TSC Collection

TSC Collection is the solution of high degree of readiness which allows to automate process of collecting of arrears taking into account features of borrowers. It is developed on platforms Oracle Siebel CRM and Microsoft Dynamics CRM.

A system also gives an opportunity of use of different strategy: both mass (line), and individual work with debtors at different stages of collecting; gives the chance to organize escalation of measures — from a soft reminder before legal prosecution. A system in general increases transparency and controllability of process of collecting of debts and by that does it to more effective, developers claim.

2018: TSC Collection. Opportunities and features

As of November, 2018 TSC Collection covers all organization structure providing collecting of arrears: contact center, collection division, security service, legal service, department of work with the agencies, service of the analysis and control.

Features of the solution

The solution covers all stages of collecting arrears:

• Pre-Collection is prevention of emergence of arrears by an advance reminder to reckless clients about the forthcoming payment (the SMS, E-mail)
• Soft-Collection is interaction according to standard scenarios by forces of contact center: informing borrower on emergence of arrears, clarification of the reason; individual interaction by the specialist collector
• Hard-Collection is the organization of internal interaction with the debtor
• Legal-Collection is collecting arrears within judicial and enforcement proceeding
• Agency-Collection is interaction with the collection agencies

Possibilities of the solution

Basic functionality:

• Data management: contact information, financial information, pledges, property, communications, affiliates, history of interaction, credit folder
• Campaign management (E-mail, SMS, Direct-mail, Calls)
• Management of appointments: appointment of executives in charge taking into account loading and specialization
• Task management: problem definition, establishment of terms, execution control
• Management of documents: use of a template library
• Reporting: formation of the operational and analytical reporting
• Integration with other systems: Core banking system, ERP, SMS, Call centers

Functionality:

• Pre-Collection:
  • Automatic formation of the list of reckless clients by the set parameters
  • Automatic personofitsirovanny mailing of E-mail and Sms
  • Ensuring work of contact center or automated system of the notification

• Soft-Collection:
  • Automatic formation of the list of debtors by the set parameters
  • Planning and holding campaigns (E-mail, SMS, Direct-mail, automatic notification)
  • Telemarketing using the standardized scenarios of negotiations
  • Instant transfer of the credit folder on the following stage when obtaining the negative information
  • Automatic or manual appointment of the collector taking into account specialization for individual work with the debtor
  • Interaction planning, both in manual, and in the automatic mode according to the actions plan

• Hard-Collection:
  • Automatic or manual appointment of the specialist
  • Work planning of exit groups

• Agency-Collection:
  • Formation of the register for transfer in the manual and automatic mode
  • Approval of the register authorized persons
  • Data transmission in the agency
  • Report generation about payments and calculation of an agency fee

• Legal-Collection:
  • Appointment of the lawyer taking into account specialization
  • Actions planning according to regulations
  • Creation of documents on the set templates

The solution is integrated with SMS-rassylka service and can be added with the functional module "Management of Pledges".