Appello Debt Collection System is a highly flexible solution for the automatic (risk-based) or manual segmentation of outstanding delinquent loans and registering the execution of the different collection strategies defined by different segments (creditors) through phases of early (soft) and late (hard and legal) collection.
Automatic segmentation of outstanding delinquent loans and assigning an adequate collection strategy is managed by flexibly adjustable business rules (using an inbuilt rule engine UI where power users can define the conditions for each strategy separately accessing any data available in the system).
Automatically assigned collection strategies define the planned activities for the collection processes that are based on flexibly adjustable workflows and task management capabilities. The role-based workflow may involve different internal departments and external parties. The Bank’s system administrators can modify existing strategies and create new ones.
The tool provides a complete set of functions supporting the extended requirement set of an internal collector through strategy based workflows. It includes (amongst others) automatic generation of e-mails, SMS and letters based on the various collection strategies with parameterizable templates, registering payment promises and payment plans with customizable templates, ad hoc messaging options. The Solution can be integrated with any existing interface of the Bank e.g. with a Call Center software.
The Solution provides multiple scenarios in the late (hard) phase with extendable set of collection outcomes (e.g. involvement of different types of external partners, registering details about different legal proceedings, sale of products and write-offs). Functionalities cover the involvement of and standardized communication (e.g. defined data extract export/import) with various external companies (e.g. collection agencies, solicitor offices, auction agencies, factoring companies, etc.). The audit trail feature supports documenting the legal procedure and the decision making process.
The System provides reporting options on many levels. Easy-to-create graphical tools (charts), customizable, searchable and filterable list screens that can be exported to Excel, csv or PDF, built-in reports and Jasper Reports that provide the opportunity to create any type of list, chart or custom report even by trained users are available.
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