Operates Post Bank process of exit collecting using Maxoptra.Mobile collection

On August 8, 2018 company NPK "Madzhenta Development" announced completion of functionality of the Maxoptra.Mobile collection platform for Post Bank which in May, 2018 started scaling of the implemented system on all the divisions.

Post Bank

Purpose and project tasks

According to the company, a main objective of the project was increase in efficiency of process of exit collecting and increase in number of contact departures at one employee.

It was required to solve problems:

• Automate planning of departures according to location of debtors and a possibility of creation of an optimal route of a detour.
• Implement the tool for control of movements of exit employees and creation of the management and operational reporting on perfect departures and movements during the working day;
• Organize access to necessary for work with the debtor of information in mobile application of the exit employee;
• Provide bilateral solution integration with the CRM system of bank.
• Ensure safety of personal data of clients debtors of bank.

Contractor Selection

As it was reported, in October, 2016 PJSC Post Bank selected NPK Madzhenta Development LLC as the consultant for increase in process performance of exit collecting. In an analysis result of activity of the center of collecting of debt of bank it was offered to implement the solution Mobile collection.

Project Progress

• Start of the project: October, 2016. Within a short period of time after start works on integration of Mobile collection with information systems of Post Bank were performed, tunings of the solution according to features of business processes of bank are performed.
• In 5 months after start of the project, in October, 2016, pilot operation of Mobile collection in 2 regions - the city is begun To Moscow and Ural Federal District.
• In April, 2017 the Post Bank successfully completed a stage of pilot operation Mobile collection. Commercial operation of the platform is begun at the end of 2017.
• In May, 2018 scaling of the project on all divisions of Post Bank is started.
• June, 2018 – completion of functionality of the platform.

The implemented functionality

• Automatic planning of meetings of the exit employee. Mobile collection plans the optimal schedule of meetings per day in the automatic mode. When forming the schedule the strategy of exit collecting, the probable time spent of the debtor in a meeting point, the working schedule of the employee are considered. In case of need, the schedule can be corrected by the head of the center of collecting in the manual mode and is quickly transferred to a mobile workplace of the employee.
• Online access to information on debtors. Information, necessary for a conversation with the debtor, is transferred to the exit employee to mobile application of Mobile Collection. Information includes: The debtor's full name, the photo, date of birth, the passport, phones, work location, a contact information, financial information (including agreements and terms of payment, pledges, the size and term of arrears, the amount of the accrued interest and a penalty fee on the date of departure, a story of actually effected payments, the history of interaction with the debtor, earlier received promises) and also the list of guarantors and the third parties.
• Using mobile application the exit employee on site of a meeting fixes results of a meeting in the form approved by bank. Collected information is quickly transferred to the accounting system of bank for further processing. Mobile application can work even in the absence of access to network, accumulating collected information for the subsequent transfer.
• Control of work of employees in the online mode. Thanks to information arriving from mobile application, the head of the center of collecting of debt controls in real time location of exit employees and the fact of visit of debtors.
• Integration into the IC of bank. Mobile collection is integrated with the accounting systems of banks. Thanks to it exit employees obtain complete and up-to-date information about debtors and exchange results of departures and calls with bank. Data transmission is performed in real time in the presence of communication or in the mode of the postponed transfer in the absence of access to network.

Project Results

According to representatives of the company, thanks to Mobile collection the quality and completeness of training of exit employees for a meeting with debtors increased. Solution integration in information environment of bank allowed to create automatically the relevant file of the debtor and to transfer him to the mobile device of the employee. Thanks to convenient and quick access to case of the client, employees have all necessary information for conducting the reasoned negotiations.

Using Mobile collection it was succeeded to increase efficiency of use of working time. Information on the planned meetings and calls together with the file of debtors is transferred to the mobile device of the employee that minimizes a set-up time to departure. Now employees begin a detour of debtors directly from the house without the need for visit of office. During movement the mobile device automatically lays an optimal route in a detour of traffic jams and allows to contact the client "one button" without the need for input of number. Thanks to a possibility of tracking on the card of movement of exit personnel the number of cases of inappropriate use of working time decreased.

Thanks to Mobile collection employees had an opportunity to fix results of departure in mobile application and to quickly transfer them to the accounting system of bank. It allowed to reduce the volume of losses and distortion of data and also to increase decision making speed about the subsequent actions concerning the debtor.

Also it was reported that due to increase in efficiency of use of working time, quality of training of employees and control of process of execution of works, it was succeeded to increase number of daily departures, and as result, shares of contact departures. Increase in collecting of debt became the end result.