Is very general the question, but maybe you can answer it. Thanks!
if(Tercerizado==0 && "Prodcuto Generico"=="PV" && [Vector de Mora Reducido]>3,"MORA TARDIA-PV",
if(Tercerizado==0 && contains("Prodcuto Generico","CBU-NO") &&[Vector de Mora Reducido]>3 ,"MORA TARDIA-CBU-NO BARRIDO",
if(Tercerizado==0 && contains("Prodcuto Generico","CBU-BA") && [Vector de Mora Reducido]==4,4,
if(Tercerizado==0 && contains("Prodcuto Generico","CBU-BA") && [Vector de Mora Reducido]==5,5,
if(Tercerizado==0 && contains("Prodcuto Generico","CBU-BA") && [Vector de Mora Reducido]>5,"MAS DE 5"," ")))))