What does this skill do?

The Skill SME Delinquency Management Tool designs a comprehensive delinquency management system that combines prevention through credit policies with recovery using chronological collection rules and ready-to-copy-and-paste negotiation scripts. It generates a 30-day collection roadmap prioritized by amount, age of the debt, and debtor profile to immediately inject liquidity into any small business.

Preventive Credit Policy
Define credit approval rules, analysis criteria, limits by profile, and the management of customers with a history of late payments.
Chronological Collection Rule
Table of specific actions from D-3 through D+90+, specifying the channel, tone, and message at each delay point.
Scripts by Channel
WhatsApp messages and emails that are drafted and ready to use, tailored to the requested tone (friendly but firm).
30-Day Recovery Map
Prioritize collections based on amount, age, and debtor profile to maximize the injection of liquidity within a month.

Usage examples

🏥 Clinic with a high rate of delinquent payments
Design a delinquency management system for a physical therapy clinic with a 22% delinquency rate and €31,000 in outstanding payments. Patients pay in monthly installments.
📋 Zero-Credit Policy
Create a comprehensive credit policy and collection procedure for an SME that sells monthly subscriptions and does not have a formal collection process.
💬 Collection scripts ready
Generate polite but firm payment reminder messages for WhatsApp and email at each stage of delinquency, from D-3 to D+90.
🗺️ Emergency Recovery Plan
Develop a 30-day collection plan for my current portfolio of delinquent accounts, prioritizing them by outstanding balance and age of the debt.

Features

Complete Credit Policy Rules for extending credit, analysis criteria, limits by profile, and management of customers with a history of late payments.
Rule for Phased Collection A timeline from D-3 to D+90+ that specifies the channel, pitch, action, and exact text at each point in the delay.
Ready-to-use scripts Messages written for WhatsApp and email, tailored to the desired tone, ready to copy and paste.
Structured Negotiation Process Specific steps to reach viable payment agreements, formalize them, and take action in the event of a new default.
Prioritized Recovery Map A 30-day strategy that prioritizes collections based on amount, age, and debtor profile to maximize liquidity.

Frequently asked questions

No. The skill works directly with Claude. You just need to provide the SME's information (industry, sales model, default rate, profile of delinquent debtors, available tools, tone, and negotiation options).
Yes. The skill can be adapted to any industry and sales model. Just replace the customer data in brackets in the base prompt, and Claude will generate a customized system.
Five deliverables: preventive credit policy, chronological collection rule (D-3 to D+90+), WhatsApp and email templates, negotiation process, and 30-day recovery map.
Yes. When you run the prompt, you can specify the desired tone (friendly but firm, strict, empathetic, etc.), and the scripts will be written accordingly.
SME Delinquency Management — Comprehensive delinquency management system powered by Claude AI

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