# Blog · Credit operations, risk and collections | Pruff

> Technical notes on factoring, risk engines, collections, bank reconciliation and electronic invoice assignment, written by the Pruff team.

Source: https://pruff.com/en/blog/

Blog

# How modern credit actually gets operated.

Notes on risk, operations, collections, funds and technology, written for the teams that move modern credit. We also share what we're building at Pruff and why it matters. No fluff.

[Featured · Operations 4 min — — Bank reconciliation is the bottleneck nobody measures — — Everyone optimizes origination. But the month closes downstream: when the bank statement doesn't match the operations, the team rebuilds by hand what the system should already know. How to measure that cost and how to remove it. — Read the note → — — — Movements that should match themselves +90% — — Days to close the month 6 → 1 — — Exceptions that do need a human < 10%](https://pruff.com/blog/conciliacion-bancaria/)
[Pruff news 3 min — — Pruff integrates with Fintoc to connect operations with bank movements — — Bank information now enters Pruff flows directly: fewer manual downloads and transformations, and faster, traceable reconciliation. — Jul 22, 2026](https://pruff.com/blog/fintoc/) [Risk 4 min — — How to backtest your credit policy before changing it — — Raising a limit or loosening a rule doesn’t affect a single application: it changes the portfolio’s future behaviour. How to test it against your own history. — Jul 15, 2026](https://pruff.com/blog/backtest-politica/) [Funds 4 min — — What a fund should see of its portfolio, and rarely does — — A monthly report is a dated snapshot. Capital should be traceable from the facility to the operation, the document, the debtor and the payment. — Jul 8, 2026](https://pruff.com/blog/que-ve-un-fondo/)
Latest notes
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Operations
Risk
Funds
Regulation
Technology
Pruff news
[Security — — Jul 22, 2026 — — — — We passed our ISO 27001 internal audit — — In April we passed the internal audit of our information security management system. The certification audit is projected for late August. — — — 4 min](https://pruff.com/blog/certificacion-iso/) [Security — — Jul 8, 2026 — — — — How we protect the information that flows through Pruff — — What sits behind our information security management system, in plain words: what it covers, who is accountable and what you can demand from us. — — — 7 min](https://pruff.com/blog/sgsi/) [Pruff news — — Jul 1, 2026 — — — — What we’re building with Pruff’s MCP — — A controlled way to connect AI assistants with the platform’s information and capabilities: what it can query, what actions it enables and what it still does not do. — — — 4 min](https://pruff.com/blog/mcp-pruff/) [Operations — — Jun 24, 2026 — — — — From spreadsheet committee to auditable committee — — A committee doesn’t end when someone writes — — — 3 min](https://pruff.com/blog/comite-auditable/) [Pruff news — — Jun 17, 2026 — — — — Pruff integrates with Cobranza Online to publish to Dicom from the portfolio — — Cases that need specialized handling move on from the Pruff portfolio keeping information, statuses and traceability across both systems. — — — 3 min](https://pruff.com/blog/cobranza-online/) [Risk — — Jun 10, 2026 — — — — A credit policy is not a PDF — — A document can be clear for a person and ambiguous for a system. To run consistently, a policy has to become variables, rules, alerts and owners. — — — 3 min](https://pruff.com/blog/politica-no-es-pdf/) [Funds — — Jun 3, 2026 — — — — From the sale schedule to a live portfolio — — A schedule lets you buy a portfolio, not follow what happens next. What changes when fund and lender work off current information for the whole life of the operation. — — — 3 min](https://pruff.com/blog/nomina-a-cartera-viva/) [Pruff news — — May 13, 2026 — — — — How we’re bringing AI into Pruff — — AI in credit is worth it when it removes concrete work, reads documents and provides context. Not when it silently replaces a risk decision. — — — 4 min](https://pruff.com/blog/ia-en-pruff/)
See earlier notes