Dynamics and Dolinsk Bank digitalized work with overdue debts

2023: Implement Debt Collection

Dolinsk Bank implemented an eco-system solution IT Dynamika -. Debt Collection Now the process of working with debtors is digitalized, specialists receive hints from the system and conduct all collection measures in one universal module, which helps to reduce the share of overdue debts credit in the portfolio. bank In addition, the solution controls the non-exceeding of the limit of activities for interaction with the client according to the 230-FZ. Dynamika announced this on October 24, 2023.

Dynamika Debt Collection helps you work with customers at different stages of debt. At the Pre-collection stage, the solution helps to minimize the occurrence of delay and improve the quality of the portfolio, sending the client in advance information about the need to repay the loan. The decision also helped the bank digitalize work with distressed assets at the Lite, Soft and Hard collection stages. Now, when a loan is issued for delay, a debtor card is automatically created in a single employee window, in it you can track the change in the stages of debt by the number of days and other conditions that the bank sets up for itself. For each stage, a set of events is configured: automatic sending, SMS outgoing calls, on-site events and other activities provided for in the bank.

All activities are carried out in a single employee window, in the universal module "Tasks" from Dynamics, have a due date, a responsible employee and their role model. Tasks can be assigned to a bank employee or relate to a borrower, for example, a customer's promise to make a payment that is automatically controlled.

Debt Collection is part of the Dynamika ecosystem and works in synergy with the company's other solutions. All employees work in a single window and can receive and share information with all participants in the process. The ecosystem approach helps the bank comprehensively solve the problem of loan repayment, involving other divisions in the process.

An important function of the Dynamika Debt Collection is the automatic fulfillment of the requirements of the federal law on the protection of individuals when returning overdue debts (230-FZ). The decision controls that the limits of activities for interaction with debtors and the time limits for performing collection measures are not exceeded.

Dynamika Debt Collection helps to optimize the work of collection employees and bring all tasks into a single window, as well as automate part of the processes, thereby freeing up resources to cover a larger portfolio.

Cooperation between Dynamics and Dolinsk Bank continues. As of October 2023, the functionality of the second stage of Debt Collection is at the development and testing stage. It will simplify working with problematic assets at the Legal stage (judicial proceedings) and within the framework of enforcement proceedings, as well as automate the viewing of data and calculation of analytics on delays transferred to collection agencies.