What does this skill do?

Skill’s SME Delinquent Accounts Management solution designs and implements a comprehensive collections system that addresses delinquent accounts from prevention through recovery. It generates credit policies, chronological collection rules (from D-3 to D+90), channel-specific scripts, and a prioritized 30-day recovery roadmap to address one of the main cash flow drainers for small and medium-sized businesses.

Delinquency rate exceeding 5%
It is triggered when a customer has a high default rate and lacks a structured collection process.
Zero-Credit Policy
Establish clear rules for authorizing installment sales, evaluation criteria, and credit limits by customer profile.
30-Day Recovery Plan
Identify active delinquent accounts and develop a plan prioritized by amount, length of delinquency, and debtor profile.
Consulting Deliverable
It produces a high-impact document that delivers quick results within a financial or business consulting firm.

Usage examples

🏥 Clinic with a 22% non-payment rate
Create a delinquency management system for a physical therapy clinic with monthly payment plans, a 22% delinquency rate, and €31,000 in outstanding balances. Use a friendly but firm tone, offering the option of paying in three installments or a 10% discount for early payment.
📊 Credit Policy Starting from Zero
Define a comprehensive credit policy for a company that sells furniture on installment plans: analysis criteria, limits by profile, and minimum required documentation.
🗺️ 30-Day Recovery Plan
I have 80 active delinquent accounts. Categorize and prioritize the portfolio by amount and length of delinquency, and develop an action plan for the next 30 days.
💬 Collection Scripts by Channel
Create WhatsApp and email templates for each delay stage from D-3 to D+90, using a firm and direct tone.

Features

Preventive Credit Policy Rules for extending credit, analysis criteria, limits by profile, and management of customers with a history of late payments.
Chronological Collection Rule A detailed table from D-3 to D+90+ that defines the channel, tone, action, and text for each delay point.
Ready-to-use scripts Pre-written messages for WhatsApp and email, ready to copy, paste, and customize depending on how many days you're behind.
Structured Negotiation Process A Step-by-Step Guide for Customers in Financial Difficulty: What to Offer, How to Formalize Agreements, and What to Do If They Don't Comply.
Prioritized Recovery Map A 30-day action plan that prioritizes the portfolio of delinquent accounts based on amount, length of delinquency, and debtor profile.

Frequently asked questions

No. This skill works with Claude Code or Cowork without any additional configuration. You just need to copy the prompt and replace the client data in the brackets.
Yes. The skill is designed for any small or medium-sized business. The prompt asks for the industry, sales model, delinquency rate, and profile of delinquent customers, so it can be adapted for clinics, retail businesses, service providers, and more.
Five sections: credit policy, chronological collection rule (D-3 to D+90), scripts by channel, negotiation process, and 30-day recovery map.
Yes. The skill recommends reviewing and adapting the generated system so that the credit policy, collection rules, and scripts align with the client's operational reality.
Debt Collection Management for SMEs — Collection System with Claude AI

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