Serasa Experian helps Marisol reduce collection costs 70%

Solution simplifies, automates and improves the debt collection, negation and recovery process

Serasa Experian was responsible for helping Marisol to reduce the period for receiving overdue debts and the costs involved in the collection process. Thanks to Pefin, a tool that enables communication with consumers through the letter-communication (which informs about the debit) and provides payment guidelines, the company was able to reduce expenses by 70% and shorten the period for recovering delinquent credit from 30 for just 7 days. The solution was adopted in 2017, causing Marisol to automate a manual process that was highly bureaucratic, expensive and time-consuming, with delays in transfers and lengthy deadlines.

In addition to the gain in efficiency and reduction in expenses, the response time from customers to Marisol to withdraw the record of financial pending dropped from an average of 15 days to 48 hours. “This change allowed us to significantly reduce bureaucracy in our entire collection area. The process often took more than 30 days between receiving the instrument, sending a letter of consent and writing off the title”, explains the Financial Director of Marisol, Fernando Zanardo. “In addition, there were costs with documentation, which required certified copies and certified signatures, and expenses with sending documents”, he comments.

After recovery, better credit offers to customers

With the gains from the implementation of the new debt recovery process, Marisol decided to adopt this year the Serasa Relato, a solution that allows a broad analysis of small and medium-sized companies, favoring business management, fraud and delinquency reduction, in addition to increasing profitability in granting credit.

“The combination of Marisol's own system with the complete analysis of customers, generated from Serasa Relato, allowed the company to create pre-established limits and automatically release them to customers who have a profile suitable for that offer, without need for manual intervention”, added Rodrigo Sanchez, Vice President of Credit Services and Data Strategy at Serasa Experian.