Debt Collection
The ApPello Debt Collection System has brought the opportunity to manage the complete workout portfolio from the very first phone call till the closure and legal processes within only one, well balanced application.
The product-independent platform provides the best options and tools to create client segmentation, recognise patterns of client behaviour, and react to them as fast as the business needs. We believe that the workflow editor, the flexible drag n’ drop screens,
the customizable collection strategies provide you plenty of options to perfectly adjust the constantly changing regulatory and fintech environment, which defines the daily work nowadays. With our complex Collection application decrease of your workout portfolio and the capital requirement has never been easier!
Capabilities
  • COMPREHENSIVE SOLUTION FOR EARLY / LATE COLLECTION SUPPORT
  • Automatic client segmentation
  • Configurable collection strategies and workflows
  • Easy and fast promise to pay recordings
  • Advanced built-in template management
  • Proposal functionality
  • Transparent external actor management
  • SLA , Pay-off & Portfolio analysis
Benefits
  • Higher efficiency in process
  • EFFICIENT CUSTOMER CONTACTING
  • Remove unnecessary manual work and human errors
  • Accelerates the preparation of the proposals
  • Significantly less time effort for reporting and analysis

1 WIDE RANGE OF SEGMENTATION OPTIONS

 

 

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).

2 FLEXIBLY CONFIGURABLE COLLECTION STRATEGIES AND WORKFLOWS

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 as well as external parties. The Bank’s system administrators can modify existing strategies and create new ones. For hard collection processes, the system provides a workflow editor, where the power users can easily configure any hard collection flows within minutes, or even create new ones. With this flexibility the bank can adapt to the constantly changing financial and regulation environment.

3 EARLY (SOFT) COLLECTION PHASE SUPPORT

The tool provides a complete set of functions supporting the extended requirement set of the 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 configurable 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, or and document management system. The collection tool provides a complete document template editor, therefore every single letter can be controlled and edited inside the solution. With this function the bank can avoid human errors, and the time-consuming manuality. System supports bulk letter sending, and with a few click the bank can reach thousands of clients, which is essential in this phase.

4 LATE (HARD) COLLECTION SUPPORT

 

 

ApPello’s Collection tool provides hard collection workflows as well.  The system capable to model your very own and unique collection processes, monitor your clients’ transaction behaviour, recognise patterns and close your non-performing portfolio with the maker-checker proposal tool.

See the big picture in each hard collection case within minutes, with the milestone-based history items, and the brand-new material design pages. Manage all of your external partners, and assign even tasks to them, or inform them with our spectacular reporting tool. With our complex Hard Collection module, decreasing your workout portfolio and the capital requirement has never been easier.

5 ACCELERATE THE DECISION PROCESS AND CLOSURES

 

 

The Collection system has a unique proposal module, where the workout managers can define different scenarios for the decision-makers. The system demands only the minimum required input data. All relevant information and P&L calculation are available within seconds. The approval person can ask additional information anytime, every need of modification will be stored, and archived to ensure full transparency during the hard collection process. This tool will definitely accelerate the amount of proposals, therefore a massive improvement can be performed on the workout portfolio.

6 SIGNIFICANTLY LESS TIME EFFORT FOR REPORTING AND FOR PORTFOLIO ANALYSIS

The System provides reporting options on many levels. With this capability, the Bank is able to keep the collection strategy under supervision and get any information at any time about the whole portfolio. Easy-to-create graphical tools (charts), customizable, searchable and filterable list screens that can be exported to Excel, csv or PDF, built-in reports that provide the opportunity to create any type of list, chart or custom report even by trained users are available.

ApPello’s Collection tool provides a complex SLA measurement module that brings full transparency to every task. The power users can define standard execution times for every task that can be parameterized via Excel import files, or within the application, on a graphical interface. On our well-balanced summary screens the supervisors can see every task related data that helps them to optimize and lean the daily processes, and improve the department performance to the next level.

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RATING & SCORING
Efficient risk assessment based on different types of flexibly adjustable, versioned scorecards. All the required data are available for the scoring engine, which determines the risk of financing to support the decision-making process
EARLY WARNING & MONITORING
This module is responsible for checking the terms&conditions of contracting and disbursement among others and for early identification of future non-performance
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