Software of IBM will help TKS to Bank to struggle with debtors

2014: System implementation of management of collecting of arrears

In February, 2014 Technoserv Consulting announced implementation in "Tinkoff Credit Systems" management systems for collecting of arrears.

The solution is created based on the IBM Business Process Manager platforms (IBM BPM), IBM Operational Decision Manager (IBM ODM) which are already used in bank and integrated with 13 other IT systems of bank. So, the information about clients comes to it from the CRM system, about the payments made by clients — from a banking system, the analysis of client history is kept on the basis of data from corporate storage and archives, and tasks between collectors are distributed using the customized application on the SAS platform.

In a system the multistage process of collecting of delay providing several phases of interaction with debtors — from informing before transition to a phase of judicial proceedings is implemented. At the time of commissioning in it processing of credit affairs on the first two phases is conducted. In Technoserv Consulting say that increase in number of timely repaid credits and reduction of a share of the debtors passing from the first phase of delay to the second became result of this stage of the project. Afterwards the solution should cover a full stroke of processing of credit payments and, as a result, grow up number of the processed credit affairs.

Thanks to the new system of collecting of delay "Tinkoff Credit Systems" will cease to disturb reminders on a debt of clients which should nothing to it.

To system implementation work with delay on the credits in "Credit Systems" was automated by Tinkoff partially, told TAdviser in Technoserv Consulting.

"The collection service not always monitored payments on the credits timely, and during the work with debtors the CRM system and 6 different service systems – mailings of the SMS, E-Mail, letters, telegrams, the system of autocall-down and a call-back were used", - say in the company.

Collecting of delay after implementation of a new system improved because, first, processing of debts in it is based on the basis of the most up-to-date information which is updated online. Thus, collectors work only with relevant delays, explained TAdviser in Technoserv Consulting.

Secondly, handwork is almost reduced to zero – the majority of routine operations on formation of the list of debtors and interaction with them is completely automated. The most part of work with debtors is carried out with the help of telephone voice informing, mailing mail, electronic and Sms.

In most "Tinkoff Credit Systems", in turn, note that a new system helps bank to construct more precisely work with clients, "without disturbing them reminders on a debt which is absent". Besides, the bank could optimize loading between collectors and cut down operating expenses on collecting of debt.

2011: Implementation of IBM BPM

Business Process Management Suite of IBM Business Process Manager (BPM) in "Tinkoff Credit Systems" was implemented by Biay Telecom company in 2011. Based on it and also based on a business rules management system of IBM Business Rule Management System (BRMS) in bank then online processing of credit requests was implemented.

BPM manages interaction of systems in processing of requests. Services of BPM, sets of the business rules BRMS, a system for customer interaction of Oracle Siebel CRM, the analytical system of SAS, a data mart of Oracle and external bureaus of credit histories are integrated.

In turn, BRMS implements the strategy of adoption of credit solutions. Strategy are provided by the structured set of business rules and decision tables. BRMS allows the staff of department of risks to make operational changes in strategy and to develop new. For efficiency evaluation of strategy analytical reports about the made decisions are implemented. Reports are under construction dynamically and are at any time available on the BPM portal.

Biay Telecom note that according to the results of project implementation time of adoption of credit solutions on requests of individuals was much reduced. In addition to the main functionality obtaining operational reports on process key performance indicators which are available in real time on the user BPM portal was also implemented.

The project was executed within six months using methodologies Agile. Development was conducted by short iterations in 1-2 weeks with permanent assessment of the made progress and regular discussion of results with the customer. In bank the Competence Center in BPM and BRMS for independent support and development of the implemented products was created IBM.