Business solutions dedicated to actual situation of leasing market  

  

Vlad Cristutiu – Charisma Enterprise Product Manager, TotalSoftDaniel Balaceanu – Product Manager Microsoft Solutions, TotalSoft

AGENDA

• Collection• Repossession + Remarketing• Cost control• Workflows• Banking risk center (CRB)• Credit Bureau• Automatic new clients

evaluation• Customer Self-Service Portal

Functions

• Complete customer info• Debts classification with different

criteria– Days Past Due (DPD): 1-29 DPD, 30-59 DPD, 60-89

DPD, 90-180 DPD, 180-+ DPD– Follow-up channels: Field Collections, collection

agency No. 1, collection agency No. 2, lawyer– Complex clusters: promise to pay, abroken promise,

payments never started etc.

• Configure and track workflows• Configure roles: operator, team lead,

fraud operator, supervisor• Initiate activities: phone call, SMS,

letters• Track payment promises• Work with collection partners

(outsourcing)

Repossession + Remarketing

• Collection module – logistic point of view• Charisma Core – cost/profit point of view• Follow-up the goods in stock• Collects all the expenses during the

process

• Remarkets the goods – OFERIM SOLUTIE(portal web)

• Sells the goods direct or in a new leasing contract (re-lease)

• Profit calculation for whole process

Charisma Cost Control

ePurchasing

eProcurement

• Step 1: Buyer initiates RFQ document

• Step 2: Buyer creates and send RFQ document to suppliers

• Step 3: Supplier creates and sends the quote to buyer organization

• Step 4: Buyer reviews and evaluates the received quotes

• Step 5: Buyer creates and sends the agreement to chosen supplier (optional)

• Step 6: Supplier accepts/rejects the received agreement (optional)

• Step 7: Buyer initiate the purchase order document

eProcurement

SupplierBuyer

Review quotes

InitiatePurchaseOrder

Initiate RFQ

Fill out‘RequestTemplate’

Reply orupdateOffer

1 2 3

4

5Agreement

6

Confirm.

7

Accept orrejectagreement

Performance

[Company Name]  

Procurement Analysis Worksheet

[Date]  

Item Qtty Supplier1 unit price Supplier2 unit price Supplier3 unit price Best unit price

Item A 10 tone € 1,000.00 € 990.00 € 995.00 € 995.00

Item B 12 buc € 11,900.00 € 12,050.00 € 12,000.00 € 11,900.00

Item C 100 m € 1.53 € 2.50 € 2.59 € 2.50

Total € 152,953.00 € 154,750.00 € 154,209.00 € 153,000.00

Total initial offers € 155,000.00 € 155,100.00 € 155,500.00 € 155,000.00

Savings

€ 1,947.00 € 350.00 € 1,291.00 € 2,000.00

1.26% 0.23% 1.83% 1.29%

Charisma integration

Workflow

Intranet Expenses Control Leasing Front Office eProcurement ...

Credit bureau and CRB reporting

• Legal requirement and business utility• Quick payment behaviour status for new

customers• Separate applications, integrated with

Charisma• Fully automated calculation and reporting

process

Automated customer ratingICAP collaboration

ICAPCharisma

Customer rating request

Web service----------------------

Input: Fiscal registrationOutput: Rating

2. Query

Rating calculator-------------------------------

Input: Financial DataOutput: Rating

4. FinancialData

5. Rating

3. FinancialData

6. Rating

ICAPDatabase

Authentication

Service log

1. Fiscal registration

Automated customer rating Functionalities

Real time customer rating based on ICAP financial data

Native Charisma integration (back-office and front-office)

Web-based – web services / XML

Customer Self-Service Portal (e-Care)

Customer Self-Service Portal (e-Care)

Value for your customers

Access their information (contracts, payment schedules, insurances, etc.) when they want, where they want, via internet or mobile phone

Get notified about specific events (new invoice issued)

Print digitally signed invoices and legal documents on-line

Receive invoices and documents via electronic services (e-mail)

Pay invoices on-line

Accessing frequently asked questions and technical support sections

e-Marketing functionalities (newsletters, promotions, customer segmentation)

More than 200.000 users are using e-Care everyday

Customer Self-Service Portal (e-Care)

• Better serving customers while lowering costs

• Case study - leasing company with 50.000 customers• More than 15.000 logins daily on invoicing days• More than 1.000 logins daily on usual days• Calculation based on real facts 4 min. call (operator – customer) = 1 EUR cost

1 EUR x 50.000 logins /month => more than 50.000 EUR saved in a month

Questions?