Businesses are often looking for ways of becoming leaner and more efficient. One of the strategies most frequently deployed is outsourcing 
, enabling a company to focus on its core competencies by handing over responsibility of non-core activities to a third party. More recently, businesses have taken to outsourcing offshore.
The trend is now well established. Indeed, in certain areas, notably the offshoring of IT and retail banking services, it is now more common to have your customer service inquiry answered in Mumbai than in Birmingham. By extension, offshoring is now beginning to creep into other, traditionally more highly-skilled areas, such as finance and administration. There is now a case for various disciplines within the credit management "process" to be outsourced, and an expanding range of countries that may be used.
