I am working for a logistics firm and there are approx. 750+ customers who avail our services. I am in the process of building and generating some insight for the business based on the payments made by these customers for the last 1 year. Some make payment on time whereas some are late & some are extremely late. Could you please advice which modeling technique or statistical approach would be best in this case. I can think of creating clusters based on the payment history and highlights & placing all defaulters in one cluster where our company can focus. PLease suggest. 
Predictive Model for Customer Payment Pattern
data mining;statistics;clustering;predictive modeling