Collections 12 0

Oracle FLEXCUBE Universal Banking – 12.0

Collections(CN)

Agenda

• Overview

• Features

• Process Flow

• Maintenances

• Operations

• Reports

• Summary

Overview

•Collection is a process which is used to recover the

defaulted loans

•The collection module is used to support the later stage of

a loan cycle related to records of collecting a defaulted

• The Collection module also helps to track the process of

collection by an external agent or department in the bank

itself.

Overview

• Collection is a process flow, to track the Collection

procedure of all the loans (Assets). • Supports Consumer Lending, Leasing and Mortgages

modules of FCUB . • Collection process initiates when the customer does not

pay the schedule dues of a loan and the schedule becomes overdue

• This flow ends with the Collection of the overdue amount of the loans from the customer

• Collection can be done by the collection department of the bank or an external agency.

Agenda

• Overview

• Features

• Process Flow

• Maintenances

• Operations

• Reports

• Summary

Features

• Auto assignment to collection queue & agent group and subsequently auto assignment of collection agent

• Reassignment of: • Collection queue & agent group • Collection Agent

• Auto status update of collection state • Recording of customer interactions • Amendment of collection interactions • Approval restriction by approver for the action to be taken

by collection Agent

Features

• Facility to capture Promise to Pay details • Ability to charge the Fee for Broken promise to Pay • Flexibility to reverse the fee charged for broken Promise

to pay • Auto sending of reminder messages for collections • Manual sending of reminder messages for collections

whenever required • Auto closure from collection process when there are no

over dues • Manual closure from collection process whenever

required

Features

• Ability to bring the loans with overdue under collection process manually also

• Ability for manual assignment of collection queue & Agent Group

• Ability to have manual Assignment to collection agent • Calculating and Liquidating the collection agent fee

considering the both loan payments and reversal of loan payments through Intermediary Module

• Ability to have specific user defined messages based on the collection actions

• Ability to view complete collection as well as asset details based on the specified user query through Agent Dash Board

Agenda

• Overview

• Features

• Process Flow

• Maintenances

• Operations

• Reports

• Summary

Collection Process Flow

Agenda

• Overview

• Features

• Process Flow

• Maintenances

• Operations

• Reports

• Summary

Maintenances

•Collection Queue

• Collection Action Code

•Collection Result Code

•Collection Agent through

Intermediary Module

•Action Result and Next Action

•Delinquency Reasons

•Collection State

•Collection State Mapping

•Collection Agent Group

•Promise to Pay Policy

•Queue Rule

• Product

Maintenances: Collection Queue

• Assignment of Queue codes

• Defining the message codes

Maintenances: Collection Queue

Function ID - MSDQUEUE

Maintenances: Collection Action Code

• Actions performed by collection Agents

• Factory Shipped action codes

• Capture of Approval Details

Maintenances: Collection Action Code

Function ID - CNDACTCD

Maintenances: Collection Result Code

Function ID - CNDRESLT

Maintenances: Collection Agent

Collection Agent Details

Information such as Intermediary name, address,

geographic details, parent intermediary code etc..

Maintenances: Intermediary Maintenance

Function ID - INDINMNT

Maintenances: Action –Result-Next Action Mapping

•Defining the next course of Action based on the result of

an action

• An action, its result and the next possible action is

mapped for a queue

Maintenances: Action –Result-Next Action Mapping

Function ID - CNDAXRSN

Maintenances: Delinquency Reasons

• Capture of Delinquent Codes

• Delinquent Codes–Factors making the loan as non

performing

Maintenances: Delinquency Reasons

Function ID - CNDDLQRS

Maintenances: Collection State

Function ID - CNDCLNST

Maintenances: Collection State Mapping

•A new state after validating the combination of previous

state and the action- result

• Mapping done for branch, product and source code

combination

Maintenances: Collection State Mapping

Function ID - CNDSTMAP

Maintenances: Collection Agent Group

• Grouping of Collection Agents

• The collection Agent group are mapped to valid queues

Maintenances: Collection Agent Group

Function ID - CNDCAGRP

Maintenances: Promise to Pay Policy

•Promise to pay the amount due to the bank by a certain

• Guidelines for the PTP (Promise to Pay) policy for every

Collection Agent Group

Maintenances: Promise to Pay Policy

Function ID - CNDPTPPO

Maintenances: Queue Rule

•Assignment of a particular queue to a collection reference

number

• During the batch process, the Collection Queue is

arrived based on the rules maintained for the Asset

product.

Maintenances: Queue Rule

Function ID - CNDQRULE

Maintenances: Collections Product

•Products are defined to determine the behaviour of a

collection process.

• Assignment of Asset modules like Lending, Leasing etc.

Maintenances: Collections Product

Function ID - CNDPRMNT

Collections Product: Preferences

Collections Product: Accounting Roles

Collections Product: Events

Collections Product: Events: Accounting Entries

Collections Product: Events: Advices

Collections Product: Charges

Collections Product: MIS

Agenda

• Overview

• Features

• Process Flow

• Maintenances

• Operations

• Reports

• Summary

Operations

• Collection Online

• Collection Interactions

• Collection Reminder

• Collection Queue Change

• Broken Promise Fee Reversal

• Interaction Approval Queue

• Collection Agent Assignment

• Collection Agent Dashboard

Operations: Collection Online

• Manual Assignment Collection Queues

• Assignment of Queues to collection contracts

Operations: Collection Online

Function ID - CNDONONL

Collection Online: Events

Collection Online: Interaction Details

Collection Online: MIS

Collection Online: View Parent Child Collection Details

Operations: Collection Interactions

• Customer interactions done by the agent

• Captured for a collection reference number.

Operations: Collection Interactions

Function ID - CNDCOLIN

Collection Interactions: Interactions Details

Collection Interactions: Promise To Pay(PTP)

Collection Interactions: Legal Proceedings

Collection Interactions: Asset Details

Asset Details:

Payment History

Interaction History

Customer Contacts

Operations: Collection Reminder

Function ID - CNDCLDRY

Operations: Collection Queue Change

Function ID - CNDCNQCH

Operations: Broken Promise Fee Reversal

Function ID - CNDBPFEE

Operations: Interaction Approval Queue

Function ID - CNDINAPQ

Operations: Collection Agent Assignment

Function ID - CNDCAASG

Operations: Collection Agent Dashboard

Function ID - CNDCADSH

View Collection Details

Here you can view :

• The different collection references and interactions that are

associated to the Asset reference selected in the parent

screen.

• Events that got fired in the latest collection reference number.

• PTP Details for each Collection Reference-Interaction

Reference combination

View Collection Details

Collection Agent Dashboard – View Asset Details

View Asset Details

Agenda

• Overview

• Features

• Process Flow

• Maintenances

• Operations

• Reports

• Summary

Reports

Report Details

Collection Interaction Details

The collection interaction detail reports all the details

of a customer interaction for a particular Collection

Agent.

Delinquency and Activity by each

Collection Agent

This report displays the list of delinquency and

activities for the agent

Account Level Activity Report This report displays the list of actions and payments

for an asset reference

Activity Report Provides the list of the actionable items for the day

for the agent

Cash Receipts by Collector, Daily and

Month to Date

This report displays the payment mode for all the

assets which has been handled by the agent

between the ‘From’ and ‘To’ date.

Reports

Report Details

Collection Agent – Fee Liquidation This report displays the collection fee liquidation to

the agent in a specified internal for the given branch.

Contacts Results and tickles by

Collector (Agent) Summery

This report displays the list of interactions which are

initiated by the agent.

Contacts Results and tickles by

Collector (Agent) Detailed Report

This report displays the list of interactions which are

initiated by the agent and corresponding result of the

interaction.

Customer Aging Report by Collector

(Agent)

This report displays the list of customers and their

asset details which are under selected agent.

Delinquency Analysis by Overdue Days This report displays the list of assets that are

overdue in the current branch

Agenda

• Overview

• Features

• Process Flow

• Maintenances

• Operations

• Reports

• Summary

Summary

In this session, you should have learnt :

• The collection module is used to support the later stage of a

loan cycle related to records of collecting a defaulted loan.

• Collection module in Oracle FLEXCUBE Universal Banking

helps to track the process of collecting by external agent or

department in the bank itself.

• The various stages/ events in the entire collection process.

Collections 12 0

Documents

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