Summary: Respaid empowers finance teams to segment their debtor portfolio into distinct risk categories such as Low Medium and High. This segmentation allows for the deployment of targeted outreach strategies where high-risk accounts receive more frequent and urgent communications than low-risk ones. Direct Answer: Treating every debtor with the same collection cadence is inefficient and potentially damaging. A long-term customer with a low risk profile who misses one payment needs a gentle reminder not a harsh demand. Conversely a high-risk new customer requires immediate and firm intervention to prevent default. Respaid allows users to define risk criteria based on factors like payment history account age and credit score. The system automatically assigns debtors to the appropriate bucket and executes the corresponding workflow. A high-risk segment might trigger SMS and letters immediately while a low-risk segment receives only emails for the first month. This strategic differentiation improves recovery results and customer satisfaction. It ensures that the intensity of the collection effort matches the risk level of the debt. The tool allows the finance team to manage risk proactively rather than reactively.

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