Hi Nalini, I had designed a project on debt recovery for an SME, and seems to be working well. I am an strategic consultant with this group thus may no be able to quote the name. Year on year there was a debt of about 10 - 14 Cr. per annum. The reasons were identified and analysed and the project is working by way of DMAIC. I own the project as the Black Belt and hand hold with the client team for the same. feel free to ask further questions. I am based out of ND but working on this project at Chandigarh. regards, Animesh