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Collections User Manual

1. 1 5 1 6 Batch Processing explains the different phases of batch processing cov Chapter 6 Sane ered in this module Annexure Events and Advices for Collections lists the accounting Chapter 7 entries for events and advices for Collections module Reports provide a list of reports that can be generated in this module and Chapter 8 also explains their contents Function ID Glossary has alphabetical listing of Function Screen ID s Chapter 9 ae used in the module with page references for quick navigation Related Documents You may need to refer to any or all of the User Manuals while working on the Collections CN module e CL e Leasing e Mortgage e Procedures Glossary of Icons This User Manual may refer to all or some of the following icons Icons Function TX Exit Add row Delete row a Option List tg ORACLE 2 1 2 Collections An Overview Introduction Loans module is supported for operational procedures of a Loan The collection module is used to support the later stage of a loan cycle related to records of collecting a defaulted loans Islamic assets Leasing Mortgage accounts In normal scenario collections process can be done through the collection department within the bank or it can be outsourced to an external agent Collection module in Oracle FLEXCUBE helps you to track the process of colle
2. To view the summary of agent group codes you can perform a search based on any of the following Authorisation Status Select the authorisation status of the agent group code as e Authorised e Unauthorised Collection Agent Group Select a valid agent group from the list of agent group maintained Record Status Select the record status of the agent group as e Open e Closed Description Select a valid description from the list of options available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Collection Agent Group e Description aM ORACLE 3 1 18 3 1 19 Operations on Agent Group Maintenance Record You can perform the following operations on agent group code maintenance record if any function under the Actions Menu is disabled it means that the function is not allowed for the record e Amend the details of the record e Authorize the record e Copy the details of a record on to a new record e Close the record e Reopen the closed record e Print the details of a record e Delete the record Refer to the manual on Common Procedures for details of these operations Maintaining PTP Policy Sometimes during the customer agent interaction the customer promise to pay the amount due to the bank by a certain date You can maintain the guidelines for the PTP Promise to P
3. e Asset Reference Number e Branch Code System displays the customer address of the selected asset reference number e Customer Number e Location e Media e Authorization Status e Record Status Click the Detail button to invoke the Customer Address screen 5 3 2 Interaction Details Tab Click Interaction Details Tab to view the interaction details oe ORACLE Collection Interactions FL New E Enter Query Collection Reference Interaction Sequence Collection Agent Number Customer Agency Name External Reference Customer Name Processing Stage Initiated Record Origin Manual K Source Code Record Date Interaction Sub Sequence number Asset IGetei eietiey Promise to Pay Legal Proceedings Action Code Action Date Result of Action Result Date Next Action Next Action Date Delinquency Reason Total PTP Amount Hour 0 Comments Minutes 0 Customer Email Media for Communication Interaction Place Customer Mobile Number Asset Details Contract Status Authorization Status Date Time Maker Checker Date Time You can capture the following interaction details here Action Code Specify the action which is executed as a part of interaction Action Date Specify the date of execution of the aforesaid action Result of Action Specify a valid result code from Action Result Next Action maintenance Result Date Specify the result
4. e Authorised e Unauthorised Result Code Select a valid result code from the list of result codes maintained Record Status Select the record status of the result code as e Open e Closed Description Select a valid description from the list of options available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Result Code e Description Operations on Result Code Maintenance Record You can perform the following operations on result code maintenance record if any function under the Actions Menu is disabled it means that the function is not allowed for the record e Amend the details of the record e Authorize the record e Copy the details of a record on to a new record e Close the record ORACLE e Reopen the closed record e Print the details of a record e Delete the record Refer to the manual on Common Procedures for details of these operations Maintaining Action Result and Next Action In Oracle FLEXCUBE you can maintain a next action for each possible action and its result The action result and next action can be maintained in the Action Result Next Action Mapping screen You can invoke this screen by typing CNDAXRSN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Action Result Next Action M
5. Agent restrictions Agent Id Specify the agent Id from the adjoining option list Agent Name Specify the name of the agent Allowed Check this box to indicate that the agent access is allowed for the user Viewing User Agent Details You can view the agent details using User Agent Summary screen You can invoke this screen by typing CNSUSRAG in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button oat ORACLE 5 21 User Agent Summary C Advanced Search Reset Authorization Status Record Status UserID Records per page 15 v 10f1 Authorization Status Record Status User ID In the above screen you can base your queries on any or all of the following parameters and fetch records e Authorization Status e User ID e Record Status Select any or all of the above parameters for a query and click Search button The records meeting the selected criteria are displayed System displays the following details pertaining to the fetched records e Authorization Status e UserID e Record Status Viewing the Plan Activity You can query the process of collection through Plan Activity screen You can view the details in the screen though you cannot perform any operations You can invoke this screen by typing CNDCADSH in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button
6. Approvers Select the approver from the list of approvers for the action code you are maintaining System shows an error if you leave this field blank after selecting the approval required option The name of the approver gets displayed when you select the approver When you save the action code system assigns serial incremental numbers in the order in which the approvers list appear in the multiple entry blocks Click add icon to add another approver to the action code being defined To remove an approver from the list click delete icon Note The user ids maintained here in the approver s list need to have access rights on the screens CNDCOLIN Collection Interaction Screen and CNDINTRQ Interaction Approval Queue Viewing the Summary of Collection Action Codes You can view the summary of collection action in the Summary Action code screen You can invoke this screen by typing CNSACTCD in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button a2 ORACLE C Advanced Search Reset Authorization Status Record Status Action Code ia Description Records per page 15 v Authorization Status Record Status Action Code Description Approval Required To view the summary of action codes you can perform a search based on any of the following Authorisation Status Select the authorisation status of the action code as e Autho
7. PTP Promise to Pay charge processing happens after verifying the dates have been honored or not For broken promise a charge is calculated on the basis amount System checks for collection closure and if it is not closed Reminder messages are generated during the BOD or EOD batch run CNMS event is fired in the Collection references wherever applicable The corresponding batch function ID is CNDREMSG Closure of pending interaction and cancellation of pending reminders happens later and thus the collection interaction is marked as closed If Wait for Chile to Close option is selected for the collection contract then the system will not close the parent collection until the child collection is closed Collection Process flow Diagram The entire process of collection is represented in the below flow chart el ORACLE ee ORACLE 3 1 3 Maintenances and Operations Introduction Your bank may have certain maintenance to track the collection process Few of the maintenances are done in the common maintenance of Oracle FLEXCUBE and some are exclusively for the collection module This chapter provides details on all specific maintenances required for tracking collection process Maintaining Collection Action Codes The collection agent has to perform certain actions as a part of collection process Oracle FLEXCUBE identifies these actions as action codes Following factory shipped action code is availab
8. You can query the screen using F7 amp F8 After the screen is displayed you can press F7 you can get all the fields enabled to enter the data for querying oe ORACLE Plan Activity E New E3 Enter Query Query m m Branch Queue Collection Reference Collections Product Collection Agent Group Asset Reference Asset Product Collection Agent Customer State Minimum Overdue Unique Identifier Customer Name Minimum Principal Next Activity Next Activity Dates Overdue Minimum Overdue Days Minimum Interest Overdue Assets Under Collections 1 Of 1 Asset Reference Latest Collection Reference Queue Currency Principal Overdue Interest Overdue Total Ov View Collection Details View Asset Details You can perform the query here Query Specify the following details to perform query Branch Specify the branch code to query the collection details based on it Collection Product Specify the collection product code to query the collection details based on it Asset Product Specify the asset product code to query the collection details based on it Collection Status Specify the collection status to query the collection details based on it Collection Queue Specify the collection queue to query the collection details based on it Collection Agent Group Specify the collection agent group code to query the collection details based on it Collection Agent Specify the collection agent co
9. cccceceeeeneeeeceeeeeteeeeeeseetecseneecaeeeteeseeeeteeteeneess 8 9 8 5 3 Contents of the Report cccccccccceeesscccceceeceeeesestecsessecaneeseeseeetenstenneess 8 12 Customer Aging Report by Collector Agent esseessssseressssrrssererrssrrerrrssreerrssene 8 12 8 6 1 Contents Of the Repor holen a EE aerate 8 13 Contacts Results and tickles by Collector Agent Summery n 8 14 8 7 1 Contents of the Report cccceceeceeenecaeceeeeeeeeeteetecneesescaeeseeeeeeeeteeteeneess 8 15 Contacts Results and tickles by Collector Agent Detailed Report 0 008 8 16 8 8 1 Contents of the Report cccccceececenecceeceeeeeeeeeteeteceeeeecaeeeseeseeeetetteeseens 8 17 8 8 2 Contents of the Repor eneee e aaae e aa e 8 20 Collection Interaction Details ccceccecceeeeeeeeeeeeeeeenaecaeeeeeeeeeeeteteeesnnsaaeeees 8 20 8 9 1 Contents of the Report ccccccceceeeneeceeceeeeeeeeeteetecseeneecaeeeseeeeeeetetteeseens 8 22 Function ID Glossary iz fscccec scdeacdccecacasatissccescecsccesccaccescteiecasivesuiaten dcesscieces 9 1 1 1 1 2 1 3 1 4 1 Preface Introduction This user manual is designed to help you quickly get acquainted with the Collections CN module of Oracle FLEXCUBE The manual gives you an overview of the CN module and takes you through the various steps involved in processing to track the collection process after the particular loan is delinquent Yo
10. 13 Viewing the Summary of Reversal of Broken Fee Record eeeesteeeeeeeees 5 20 5 14 Processing Collection Interaction QUEUES ee ceeeeeeeeeeneeeeeeeeentaeeeeeeetaeeeeeeenaaes 5 21 9 15 Activities for the Day e errian tetas deanna hated teen 5 21 5 16 Assigning Collection Agent for a LOAN eeecceeenneeeeeennneeeeeeeeceeeeetenateeeeesenaes 5 22 5 16 1 Component Wise Balance 2 c cccccccceceeeeeeeteceecnsecaeeeeeseeeeeteteessessiaeeas 5 24 5 16 2 Processing Collection Agent Fee ceccccecceteeeeceeeeneeeeeetnneeeeeeetnaeeeeeeeaaa 5 25 5 17 Viewing the Summary of Collection Agent Assignment Record n 5 25 5 18 Operations on Collection Agent Assignment Record cceeeeeeeeeeeesteeeeeeeenaees 5 26 5 19 Restricting User Agent ACCESS 000 00 ee eceeccieeeeeeeeeeeenneeeeeeeaeeeeseeeaeeeeeeeiateeeenenaaes 5 26 5 20 Viewing User Agent Details eee ceceeeeeceeeeeeeenneeeeeeeneeeeseeetaeeeeeeeiaeeeeenenaaes 5 27 5 21 Viewing the Plan Activity 0 ccc eee eee eeete eee ee teeters eeeeaeeeeeeeeiaeeeeeneeiaeeeeeeeeaees 5 28 5 22 Viewing Collection Agent Dashboard 00 eceeeceeeeeneeeeeeeenceeeeeeenaeeeeeeenaeeeeenenaaes 5 32 Batch Processing inanin Sececnecede cts teit cseen otek eet eraai eei aniani iann i 6 1 Gt IMMPODUCHION isre ae e a Madang datiatadhorsvadacegetua ladies added ds 6 1 6 2 Batch Process Flowchar beer air enii E AE T 6 1 6 2 1 Extraction of Data from Loans 0 00 ccceceeee
11. 4 2 3 4 2 4 4 2 5 4 2 6 Accounting Roles Tab For further details on accounting role refer to heading Setting up Accounting Details for a Product in the Product Module Events Tab A contract goes through different stages in its life cycle In Oracle FLEXCUBE the different stages a contract passes through in its life cycle are referred to as Events At an event typically you would want to post the accounting entries to the appropriate account heads and generate the required advices While setting up a product you can define the accounting entries that have to be posted and the advices that have to be generated after the product is authorized Therefore for the required events you have to specify the Accounting entries Charges Policies and Advices To do this click Events tab in the Collections Product screen the following screen is displayed For further information on the maintaining Accounting Entries and Advices please refer the Product User Manuals Charges Tab You can refer the module Charges and Fees module also for a complete reference on Charges details MIS Tab For further details on MIS refer to the heading Capturing MIS Details for a Product in the Product Module You can refer the module Management Information System module also for a complete reference on MIS details Viewing the Summary of Collection Products You can view the summary of c
12. Collection Reference Fee ESN Fee Status Reversal ESN Collection Reference Select collection reference number from the options available Fee Event Sequence Number Select a valid fee event sequence number from the options available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Collection Reference e Fee Event Sequence Number e Reversal Esn e Fee Status 2 ORACLE 5 14 5 15 Processing Collection Interaction Queues You can process the interaction processing approvals using the screen Interaction pending Approval Queues The following types of approvals for the interactions which are in the initiated stages can be processed here e The Interactions generated by the batch process on next action date of the previously executed interactions that requires approval e The Interactions pending approvals from the daily processing You can invoke this screen by typing CNDINAPQ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button interaction Approval Queue E New E3 Enter Query Query Branch Stage Initiated Interaction Reference Record Origin Manual Input Product Reference Action Code Asset Reference Header Bulk Reference Comments Approval Queue Details 1 Of 1 Interaction Reference Product Reference Asset Reference Stage Action Code R
13. EOD batch process system changes the collection state as per the mapping maintenance for the collection state Viewing the Summary of Collection States Codes You can view the summary of collection states in the Summary collection state code screen You can invoke this screen by typing CNSCLNST in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button d Advanced Search 9 Reset Authorization Status Record Status Collection State Description Records perpage 15 v Authorization Status Record Status Collection State Description To view the summary of collection states you can perform a search based on any of the following Authorisation Status Select the authorisation status of the collection states as e Authorised e Unauthorised Collection State Select a valid collection state from the list of collection states maintained Record Status Select the record status of the collection state as e Open e Closed Description Select a valid description from the list of options available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Collection state on ORACLE 3 1 15 3 1 16 e Description Operations on Collection State Maintenance Record You can perform the following operations on collection state mainte
14. _ MINDER 3 _CUST ID__ Customer ID COLL_RE MINDER 4 _ACTION CODE __ Follow up Mode Description COLL_RE MINDER 5 _ASSET REF _ Asset Reference number COLL_RE MINDER 6 _ASSET CCY_ Asset Currency COLL_RE MINDER 7 _INTERACTION Interaction Reference Generated COLL_RE REFERENCE _ by the system Will be null if the MINDER message is not linked to an existing interaction 8 _INTERACTION Interaction place as captured inthe COLL_RE PLACE _ system Will be null if the message MINDER is not linked to an existing interac tion 9 _INTERACTION Interaction time Will be null if the COLL_RE TIME _ message is not linked to an existing MINDER interaction 10 _INTERACTION Interaction Comments Will be null COLL_RE COMMENTS _ if the message is not linked to an MINDER existing interaction 11 _INTERACTION Interaction Date Will be null if the COLL_RE DATE_ message is not linked to an existing MINDER interaction 12 _NEXT ACTION Next Action Date Will be null if the COLL_RE DATE_ message is not linked to an existing MINDER interaction 13 _ADDL TXT_ The Additional text keyed in the COLL_RE diary message screen MINDER 14 _PTP AMOUNT_ Amount the Customer has prom COLL_RE ised to pay Will be null if the mes MINDER sage is not linked to an existing interaction ORACLE 15 _PTP DATE_ Date by which the above amount COLL_RE will be paid Will be null if the mes MINDER sage
15. available Effective Date Select a valid date from the calendar option from available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Assignment Reference e Effective Date e Maker Operations on Collection Agent Assignment Record You can perform the following operations on collection agent assignment record if any function under the application toolbar is disabled it means that the function is not allowed for the record e Create and save a record e Amend the details of the record e Authorize the record e Query the record e Delete the record Refer to the manual on Common Procedures for details of these operations Restricting User Agent Access You can restrict the agent access for the user using User Agent Access screen You can invoke this screen by typing CNDUSRAG in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 20 ORACLE 5 20 Customer Restrictions E New E3 Enter Query UserID User Name Agent Restrictions 1 Of 1 E Agentld Agent Name Allowed m o Change Log Maker Date Time Checker Date Time Mod No Record Status Authorization Status Specify the following details User Id Specify the user Id from the adjoining option list for whom the agent access is restricted User Name Specify the name of the user
16. date in case the customer did not respond on the same date of action Next Action Specify a valid next action as per the Action Result Next Action maintenance Next Action Date Specify the date of execution of the next action Delinquency Reason Specify delinquency reason for the account going into overdue as per the Customer Hour Specify the hour of the interaction with the customer if available Minutes Specify the minutes of the interaction with the customer if available i ORACLE 5 3 3 Customer Email Specify the email id of the customer if available Mobile Number Specify the mobile number of the customer if available Interaction Place Specify the interaction place with the customer if the action is a personal visit Total PTP Specify the total amount the customer promises to pay if the result of action is PTP Comments Specify the comments related to the interaction you have recorded if any Promise to Pay Details Tab Click Promise to Pay Details Tab to view the PTP details Collection Interactions FL New Enter Query Collection Reference Interaction Sequence Collection Agent Number Customer Agency Name External Reference Customer Name Record Origin Manual v Processing Stage Initiated z Source Code Record Date Interaction Sub Sequence number Asset Interaction Details LAOMSAOL Legal Proceedings PTP Details 1 Of 1 Currency PTP Amount PTP Date
17. details on upload functionality ORACLE 7 1 7 Annexure Events and Advices for Collections Collection Events The following is an exhaustive list of events that can take place during the lifecycle of Collection module oF Event Description ada No Code Version 1 CQAS Collection Queue Assignment Y 2 CASG Collection Agent Assignment Y 3 CNIB Interaction Booking N 4 CNAP Interaction Approval N 5 CNRJ Interaction Rejection N 6 CNEX Interaction Execution N 7 CNMS Interaction Reminder Message N 8 BFEE Broken promise Penalty Charge N 9 RFEE Reversal of Broken Promise Fee 10 CAMD Collection amendment Y 11 CIAM Collection Interaction Amend N ment 12 CLOS Collection Closure N 13 CLST Collection State Change N 14 INIT Collection Initiation Y Advices The following advice is available for Collection Module The advice is sent only to the customer There will not be any advices for the collection Agent except when he holds an account with the bank Sr No Message Type Description 1 COLL_RE MINDER Collection Reminder Mes sage The following Advice tags are provided for the above message ORACLE Sr No Advice Tags Description Message Type 1 _COLL AGENT The Collection Agent Id COLL_RE ID_ MINDER 2 _COLL AGENT Collection Agent Name COLL_RE NAME
18. fields USERDEF_N10 22 NUMBER User Defined Number fields USERDEF_D1 11 DATE User Defined Date fields USERDEF_D2 11 DATE User Defined Date fields USERDEF_D3 11 DATE User Defined Date fields USERDEF_D4 11 DATE User Defined Date fields USERDEF_D5 11 DATE User Defined Date fields USERDEF_D6 11 DATE User Defined Date fields USERDEF_D7 11 DATE User Defined Date fields USERDEF_D8 11 DATE User Defined Date fields USERDEF_D9 11 DATE User Defined Date fields USERDEF_D10 11 DATE User Defined Date fields 6 2 3 3 Payment Details Upload You can upload the payment details through the Generic Interface module It should contain the following details Field Name el Type Description SOURCE_CODE 15 CHARAC Source code to identify the External TER system ASSET_REFER 35 CHARAC Reference number used to identify the ENCE TER Asset at the source PAYMENT_ESN 4 NUMBER Event Sequence number for the pay ment PAY 22 NUMBER Payment Amount MENT_AMOUNT PAYMENT_CCY 3 CHARAC Payment Currency TER 6 6 ORACLE PAYMENT_DATE 11 CHARAC Date of payment TER COLLEC 9 CHARAC Collection Agent ID associated with the TION_AGNT TER Payment REVERSAL_ESN 4 NUMBER The ESN of the Reversal of payment REVERSAL_DATE 11 CHARAC Date on which the reversal happened TER PAYMENT_STA 1 CHARAC A for Active R for Reversed TUS TER Refer Generic Interface user manual for more
19. invoke this screen by typing CNSDLQRsS in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button oa Advanced Search f Reset Authorization Status Record Status Delinquency Code Description Records per page 15 v Authorization Status Record Status Delinquency Code Description To view the summary of delinquency reason codes you can perform a search based on any of the following Authorisation Status Select the authorisation status of the delinquency reason code as e Authorised e Unauthorised Delinquency Code Select a valid delinquency code from the list of delinquency reason codes maintained Record Status Select the record status of the delinquency reason code as e Open e Closed Description Select a valid description from the list of options available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Delinquency Code e Description 39 ORACLE 3 1 12 3 1 13 Operations on Delinquency Reason Code Maintenance Record You can perform the following operations on delinquency reason maintenance record if any function under the Actions Menu is disabled it means that the function is not allowed for the record e Amend the details of the record e Authorize the record e Copy the details of a record on to a new
20. is not linked to an existing interaction 16 _TOTAL PTP Total PTP amount COLL_RE AMT_ MINDER 17 _ASSET OUT Total Amount outstanding for the COLL_RE STANDING _ Asset MINDER 18 COLLECTION Collection Reference associated COLL_RE REF _ with this message MINDER 19 COLLECTION Collection State COLL_RE STATE _ MINDER 20 _COLLECTION Collection Queue COLL_RE Q_ MINDER 21 _PTP CHG _ PTP Charge calculated COLL_RE MINDER 7 2 Process Codes for Collection Module The following is a list of process codes that are available to serve the reference number generation across various screens Process Code Purpose ZCAA Reference Number generated during Assignment Re assignment of Collection Agent ZINT For Customer Interaction recording Interaction reference ZCQC Queue Change reference Generation ZCBK Bulk reference used in the two queue screens ORACLE 8 1 8 2 8 2 1 8 Reports Introduction The report programs available under the Collections CN module are explained in this chapter All activities that are performed by the CN module are recorded The inputs you have made at different stages of the contract are pieced together and can be extracted in the form of meaningful reports as and when you may require them The reports that can be generated for the CN Module are as follows e OBIEE Repository e Activity Report e Delinquenc
21. record e Close the record e Reopen the closed record e Print the details of a record e Delete the record Refer to the manual on Common Procedures for details of these operations Maintaining Collection States Code In Oracle FLEXCUBE you can classify different states or stages of a collection process Each collection state can be a broader group of classification of the Asset s under the collection process You can maintain these states in the Collection States screen For normal collection status NORM collection code is available in the system You can invoke this screen by typing CNDCLNST in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection States E New amp Enter Query Collection State Description ELCs Date Time Checker Date Time Mod No Record Status Authorization Status You can maintain the collection states and details here Collection State Specify a collection state code you want to maintain as a part of collection process here This code identifies a collection status uniquely in the system You can devise a code consisting of a maximum of 20 alphanumeic characters a ORACLE 3 1 14 Description Specify a description for the collection state you are maintaining here You can a brief description in not more than 35 alphanumeric characters You can amend the description after authorization During the
22. report Other content displayed in the report is as follows Header The Header carries the title of the Report information on the branch code the branch date the user id the module name the date and time at which the report was generated and the page number of the report ae ORACLE Body of the Report Sr No Field Name Field Description 1 Asset Reference Number Reference number of the asset 2 Collection Reference Num Reference number of the collection contract ber 3 Collection Contract Status Status of the collection contract 4 Counterparty Name of the asset holder 5 Counterparty ID Counterparty identification number 6 Currency Currency of the asset 7 Status Collection contract status 8 Current Action Action performed 9 Next Action Next action after the result 10 Next Action Date Date on which the next action has been scheduled to initiate 11 Asset Amount The total asset amount 8 4 This report displays the list of assets that are overdue in the current branch You can invoke this report screen by typing CNRDLQOD in the field at the top right corner of the Application Delinquency Analysis by Overdue Days tool bar and clicking the adjoining arrow button LBL_DLNQ_ANLY_OVRDUE_DAYS Branch Code Delinquency Component Minimum Delinquency Days ReportFormat PDF Report Output Print Printer At Client Printer You can specify t
23. selected module appear in the list of values Rule Rule Sequence number is assigned by the system in order of the in the multiple entry block The rules will be executed in ascending order of the rule sequence to arrive at the queue applicable Condition Specify the condition using the condition screen provided for this field which is validated during save Queue Name Enter the queue name for which this rule is maintained Click Rule button to provide condition details for queue derivation in the Condition screen Condition Elements Operator Condition Value Mathematical Op Logical Op w You can provide the condition details here Elements Select a valid system data element which can be used in the condition to form a criterion Condition Specify the condition which can be used in the condition to form a criterion You can select the mathematical logical options along with operators Value Specify the value which can be used in the condition to form a criterion Click Accept to select the criterion specified here which will be assigned for queue derivation os ORACLE 4 6 Viewing the Summary of Collection Queue Derivation You can view the summary of collection queue derivation in the Summary of Collection Queue Derivation screen You can invoke this screen by typing CNSQRULE in the field at the top right corner of the Application tool bar and clicking on the adjoining a
24. the CNMS event gets fired Asset Details Tab Click Asset Details Tab to view the asset details The following asset specific details are displayed here e Asset Branch Branch of the asset product gets displayed e Asset Reference Number Asset Reference Number gets displayed e Asset Amount Total asset amount gets displayed e Asset Ccy Asset currency gets displayed e Asset Outstanding Principal Principal Outstanding Amount as on date gets displayed e Asset User Defined Status User Defined Status for the Asset Reference gets displayed e Asset Total Overdue Total Overdue Amount as on Date gets displayed e Asset No Of Schedules Overdue Total No of Schedules Overdue gets displayed e No of Days Delinquent Maximum number of days overdue for the asset including all overdue components e Collateral Type Type of asset e Maturity Date Maturity date of the asset e Interest Rate Interest rate of the main interest component as on current date UDE which has been mapped for the main interest component e Interest Overdue Total interest overdue payment e Principal Overdue Total principal overdue payment Viewing Collection Asset Details Click Asset Details to invoke the Collection Asset Details screen oF ORACLE 5 3 1 2 Collections Asset Details Asset Reference Number Due Details As of Date Asset Derails Asset Details Customer Id Asset Currency As
25. top right corner of the Application tool bar and clicking the adjoining arrow button ee ORACLE Cash recepits by Collector Daily and month to date Agent Id From Date To Date Report Format Printer At Client Report Output Print Printer You can specify the following preferences for generating the report Agent Id Specify the agent Id from the adjoining option list for whom you want to generate the report From Date Specify the date from when the report needs to be generated To Date Specify the date until when the report needs to be generated Report Format Select the report format from the adjoining drop down list in which you want to generate the report You can select one of the following e HTML e RTF e PDF e Excel Report Output Select the mode of output from the adjoining drop down list You can select one of the following e Print e View e Spool Printer At Select the printer location from the adjoining drop down list You can select one of the following e Client e Server Printer Specify the path of the printer if you want to print the report on ORACLE 8 5 3 8 6 Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The Header carries the title of the Report information on the branch code the branch date the user id the modul
26. Amount Paid PTP Status PTP charge e Pending Asset Details Contract Status Authorization Status ELC Date Time Checker Date Time The following details of promise to pay are displayed here e Currency The currency in which the customer has promised to pay e PTP Amount The amount which customer has promised to pay e PTP Date The date on which the amount will be paid e Amount Paid Actual Amount paid by the customer e PTP Status The status of PTP as on date e PTP Charge The PTP Charge calculated by the system This record is processed on next action date specified during the interaction on ORACLE 5 3 4 5 4 Note CNMS Collection reminder message diary event gets fired in the underlying Collection Reference during BOD batch run Legal Proceedings Tab Click Legal Proceedings Tab to view the legal proceedings for the asset Collection Interactions EX New amp Enter Query Collection Reference Interaction Sequence Collection Agent Number Customer Agency Name External Reference Customer Name _ inin Processing Stage Initiated Record Origin Manual 7 Source Code Record Date Interaction Sub Sequence number Asset Interaction Details Promise to Pay EZ MAEA 10f1 Action Ref no Complaint Reference No Lawyers Name Location Date of La
27. CLE 4 8 List Queue Changes only Select the specific queue changes perform query based on this Asset Reference Specify the asset reference code to perform query based on this Collection Reference Specify the collection reference code to perform query based on this Process Exceptions The query details get displayed in the multiple entry boxes in Process Exception section After the required records have been queried the same can be assigned or rejected upon using the two buttons Assign New Queues which will accept the new queue suggested by the batch or Reject New Queues which will ignore this queue assignment suggested by the batch System generates Bulk Reference number during save to store the audit log Viewing the Summary of Collection Queue Assign ment Exception You can view the summary of collection queue assignment exception in the Summary of Collection Queue Assignment Pending screen You can invoke this screen by typing CNSASGNQ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button C advanced Search Reset Bulk Reference Comments Records per page 15 v 10f1 Bulk Reference Comments To view the summary of collection queue assignment exception you can perform a search based on any of the following Bulk Reference Select the bulk reference number from the list of values available here
28. CLE Printer Specify the path of the printer if you want to print the report 8 8 2 Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The Header carries the title of the Report information on the branch code the branch date the user id the module name the date and time at which the report was generated and the page number of the report Body of the Report Sr No Field Name Field Description 1 Branch Code Code of the branch 2 Agent Id Agent identification number Collection Reference Number Reference number of the collection contract Asset Reference Num ber Reference number of the asset Liquidation Ref Number Reference number of liquidation of the asset Liquidated Date Date on which the asset was liquidated Currency Currency of the asset Asset Liq Amount The asset liquidation amount Fee Liq Amount The fee liquidation amount Note This report is generated manually 8 9 Collection Interaction Details You can invoke this report screen by typing CNRINTDT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button B20 ORACLE Collection Interaction Details Collection Interaction Collection Agent Id Specific All Collectio
29. Comments Select a valid comment from the list of values available here Click Search button to view the records based on criteria you have selected The following details of the record get displayed 4 ORACLE e Bulk Reference e Comments Operations on Queue Assignment Exception Record You can perform the following operations on action result next action maintenance record if any function under the application toolbar is disabled it means that the function is not allowed for the record e Create and save a new record e Authorize the record e Query the details of a record e Delete the record Refer to the manual on Common Procedures for details of these operations ate ORACLE 5 1 5 2 5 Collection Contract Online Introduction During batch processing in Collections Module the corresponding queue ids are assigned to the asset contracts and the collection reference number gets generated In case of any error during the batch process and if the queue and collections agents are not mapped you can manually assign it The collection reference number for these exceptional queues can be created in the Collections Online screen Capturing Collection Reference The features of Collections online screen are given below e You can create a new Collection Reference Number e Amend the parameters Allow Manual collection Agent assignment and Allow Manual Queue Assignment and Auto Cl
30. E EEEE OEE 3 17 Product Maintenances and Product cccceeeeeeeeeeeeeeeeeeeeeeeeeeeeeeneeeeees 4 1 4 1 Introduction isani ee bein a A AANEEN AEAEE AAAA 4 1 4 2 Maintaining Collection Products sseeseessessseressesrrssstttrrsstttrrsssttrrssstternsstterrsstrennn 4 1 4 2 1 Preferences Tab sccccciiceceletieeeesetsetenneesstiteneedesibendedushtennestatieeneedaaniitenes 4 2 4 22 sACCOUNTING ROIS TaD s c551 ss22eccees zgtves S EEE RAEE EE Ea ERS 4 4 42 3 EVES TID reran E A E A OES 4 4 4 2 4 Charges Tap ero e E es eee ee ee 4 4 4 29 MIS TADS eaae adrear aa AEA A ae E eaaa deaa eE ORAA Ta EEEE REENA a NEES 4 4 4 2 6 Viewing the Summary of Collection Products 0 cc cccccecetteteeetntneeeeeees 4 4 4 3 Mapping of Collection State to a Product ec eeeeeeeeeeeeeteeeeeeeeeaeeeeeeetaeeeeeeeaaas 4 6 44 Viewing the Summary of Collection State to a Product eceeeeeeeeeeeteeeeeeeneee 4 7 4 5 Collection Queue Derivation cence ee eenne terse enaeeeeeeeiaeeeeeetaaeeeeeeeiaeeeeeeeeaaes 4 8 4 6 Viewing the Summary of Collection Queue Derivation eeeeeeeeeeeeeeeeeee 4 10 4 7 Assigning Exceptional QUCUES ccceeeeeeettneeeeeeetnteeeeeetiteeeeeetaeeeeeetiaeeeeeneea 4 11 4 8 Viewing the Summary of Collection Queue Assignment Exception 05 4 12 4 9 Operations on Queue Assignment Exception Record eseceeeeeeeeeeeeeeees 4 13 Collection Contract Online cc coe cee eee ee e
31. HTML e RTF e PDF e Excel Report Output Select the mode of output from the adjoining drop down list You can select one of the following e Print e View e Spool Printer At Select the printer location from the adjoining drop down list You can select one of the following e Client e Server Printer Specify the path of the printer if you want to print the report Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The Header carries the title of the report information on the branch code the branch date the user id the module name the date and time at which the report was generated and the page number of the report S ORACLE Body of the Report Field Name Field Description Customer No Customer identification number Collection Reference Reference number of the collection contract Number Interaction Reference Reference number to identify the interaction Number Agent Code Agent identification number Agent Name The name of the agent Action Code Code of the action performed Action Result Result of the action initiated Action Date Date on which the action was initiated Next Action Next action after the result Next Action Date Date on which the next action has been sched uled to initiate Queue Id Name of the qu
32. N_LCY 3 CHARAC Local Currency of the asset branch TER ASSET_TOTAL_OVD 22 NUMBER Total Overdue amount for the Asset ASSET_SCH_OVD 3 NUMBER Number of Schedules in Overdue status ASSET_EARLI 5 NUMBER Number of days by which the earli EST OVD est schedule is overdue ASSET_UDEF_STATUS 4 CHARAC User defined status Assigned to the TER Asset ASSET_AMOUNT 22 NUMBER Asset Contract Amount USERDEF_C1 35 CHARAC User defined Character fields TER USERDEF_C2 35 CHARAC User defined Character fields TER USERDEF_C3 35 CHARAC User defined Character fields TER USERDEF_C4 35 CHARAC User defined Character fields TER USERDEF_C5 35 CHARAC User defined Character fields TER USERDEF_C6 35 CHARAC User defined Character fields TER USERDEF_C7 35 CHARAC User defined Character fields TER USERDEF_C8 35 CHARAC User defined Character fields TER USERDEF_C9 35 CHARAC User defined Character fields TER USERDEF_C10 35 CHARAC User defined Character fields TER USERDEF_N1 22 NUMBER User Defined Number fields USERDEF_N2 22 NUMBER User Defined Number fields 6 5 ORACLE USERDEF_N3 22 NUMBER User Defined Number fields USERDEF_N4 22 NUMBER User Defined Number fields USERDEF_N5 22 NUMBER User Defined Number fields USERDEF_N6 22 NUMBER User Defined Number fields USERDEF_N7 22 NUMBER User Defined Number fields USERDEF_N8 amp 22 NUMBER User Defined Number fields USERDEF_N9 22 NUMBER User Defined Number
33. N_REF 16 CHARAC This will identify the col TER lection in the System 2 SOURCE_CODE 15 CHARAC This will identify the TER External system who is sending in the details 3 COLLECTION_AGENT_ID 15 CHARAC Identifies the a Valid Col TER lection Agent defined in the System 4 ASSET_REFERENCE_NUM 35 CHARAC Valid Loan reference in BER TER the System 5 LOAN_BRANCH 35 CHARAC The Branch in which the TER Loan was issued 6 ACTION_CODE 20 CHARAC Valid Follow up mode TER defined in the System 7 ACTION_DATE 11 DATE 8 RESULT_CODE 20 CHARAC Valid Result code in the TER System 9 RESULT_DATE 11 DATE 10 NEXT_ACTION_CODE 20 CHARAC TER 11 NEXT_ACTION_DATE 11 DATE Usually the date agreed upon by the customer to honor the payment due 12 PTP_AMOUNT 22 NUMBER The promised to pay amount in Asset Cur rency Could be multiple 13 PTP_DATE 11 DATE The date on which the above amount has been agreed to pay Could be multiple 14 MEDIA 15 CHARAC Media for Message Gen TER eration 15 INTERACTION_DETAILS 2000 CHARAC The Details of the con TER versation 16 INTERACTION_PLACE 35 CHARAC Place of interaction if TER not phone 17 INTERACTION_DATE 11 DATE Date of Interaction 18 INTERACTION_HR 2 NUMBER Hour 6 3 ORACLE 19 INTERACTION_MIN 2 NUMBER Minute 20 CUSTOMER_EMAIL_ID 105 CHARAC Email ID of the Cus TER tomer 21 CUSTOMER_MOBILE 20 CHARAC Mobile number of the TER Customer 6 2 3 2 Asset Details Upload Yo
34. ORACLE Collections User Guide Oracle FLEXCUBE Universal Banking Release 12 0 3 0 0 Part No E53393 01 April 2014 Collections User Guide April 2014 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon East Mumbai Maharashtra 400 063 India Worldwide Inquiries Phone 91 22 6718 3000 Fax 91 22 6718 3001 www oracle com financialservices Copyright 2007 2014 Oracle and or its affiliates All rights reserved Oracle and Java are registered trademarks of Oracle and or its affiliates Other names may be trademarks of their respective owners U S GOVERNMENT END USERS Oracle programs including any operating system integrated software any programs installed on the hardware and or documentation delivered to U S Government end users are commercial computer software pursuant to the applicable Federal Acquisition Regulation and agency specific supplemental regulations As such use duplication disclosure modification and adaptation of the programs including any operating system integrated software any programs installed on the hardware and or documentation shall be subject to license terms and license restrictions applicable to the programs No other rights are granted to the U S Government This software or hardware is developed for general use in a variety of information management applications It is not developed or intended for use in any inherently dangerous app
35. aintained here is violated an override message gets displayed Days Restriction You can maintain the restriction days for PTP policy for this collection agent group If the days maintained here are violated an override message gets displayed Minimum Promise to Pay Days Specify the minimum days elapsed between the action date and the first PTP date Maximum Promise to Pay days Specify the maximum days from the action date beyond which a PTP should not be accepted from the customer Minimum days between dates Specify the minimum number of days between multiple PTP dates provided by the customer Refer the heading Recording Customer Interactions under the chapter Collection Contract Online for more details on PTP policy Viewing the Summary of PTP Policy You can view the summary of PTP policy in the Summary PTP Policy screen You can invoke this screen by typing CNSPTPPO in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button od Advanced Search 5 Reset Authorization Status Record Status Collection Agent Group Minimum Percentage of Minimum Promise to Pay Outstanding Days Maximum Promise to Pay Days Records per page 15 v 10f1 Authorization Status Record Status Collection Agent Group Minimum Percentage of Outstanding Minimum Promise tc 12 ORACLE 3 1 21 Authorisation Status Select the authorisation status
36. ange Reference Comments Records per page 15 v 10f1 Queue Change Reference Comments You can query the Collection Queue Change details here Queue Change Reference Select a valid Collection Queue Change reference number from the list of options available Comments Select valid comments for Collection Queue Change from the list of options available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Queue Change Reference e Comments ote ORACLE 5 11 5 12 Operations on Collection Queue change for Loans Re cord You can perform the following operations on collection queue change maintenance record if any function under the application toolbar is disabled it means that the function is not allowed for the record e Create and save new record e Authorize the record e Delete the record e Query the details of record Refer to the manual on Common Procedures for details of these operations Reversing Broken Promise Fee During EOD batch run broken promise fee is collected from the customer if he defaults a PTP promise to pay policy However if required the fee collected can be reversed through Broken Promise Fee Reversal screen You can invoke this screen by typing CNDBPFEE in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Bro
37. apping 258 E New E3 Enter Query Queue Id Action List 1 Of 1 Serial Number Action Code Action Description Action Results 1 Of 1 Serial Number Action Code Result Code Result Description ss Possible Next Actions 10f1 Serial Number Action Code Result Code Next Action Code Next Action Description i A Fields s Maker Date Time Mod No Checker Record Status EJ Date Time Authorization Status You maintain next action for the various results of a particular action here Queue ID Select a queue from the option list The LOV displays all the queue ids maintained as collection queue in the Queue Maintenance screen Action ID Select a valid action Id for the selected queue id from the option list The description of the action id gets displayed along with this Result code Select a valid result code for the action you have selected for the queue The description of the result id gets displayed di ORACLE Next Action Description Select a valid action for the selected combination of action and result The description of the action gets displayed You can map multiple actions and results combination with multiple next action codes Select Add from the Actions menu in the Application tool bar or click add icon to add another approver to the action code being defined To remove a set of action result and next action from the list Selec
38. are initiated by the agent You can invoke this report screen by typing CNRINTSM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Contact Results and tickles by Collector Summary Agent Name From Date To Date Report Format F Printer At Client r Report Output Printer You can specify the following preferences for generating the report Agent Name Select the name of the agent from the option list From Date Specify the date from when the report needs to be generated os ORACLE 8 7 1 To Date Specify the date until when the report needs to be generated Report Format Select the report format from the adjoining drop down list in which you want to generate the report You can select one of the following e HTML e RTF e PDF e Excel Report Output Select the mode of output from the adjoining drop down list You can select one of the following e Print e View e Spool Printer At Select the printerlocation from the adjoining drop down list You can select one of the following e Client e Server Printer Specify the path of the printer if you want to print the report Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The Header carries the title of the Report information on the branch code the
39. ay policy for every Collection Agent Group in the system You can invoke this screen by typing CNDPTPPO in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Promise To Pay Policy E New amp Enter Query Collection Agent Group Amount Restriction Minimum Percentage of Outstanding Maximum Percentage of Outstanding Days Restriction Minimum Promise to Pay Days Maximum Promise to Pay Days Minimum Days between Dates Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can maintain the PTP policy details here for a Collection Agent Group Collection Agent group Specify the collection agent group code for whom you want o maintain the PTP details here Amount Restriction You can maintain the amount details for PTP policy for this collection agent group If the percentage maintained here is violated an override message gets displayed os ORACLE 3 1 20 Minimum Percentage of Outstanding Specify the minimum percentage of the outstanding amount the customer has to pay Each PTP amount promised by the customer should not be less than this percentage of the total outstanding Maximum percentage of Outstanding Specify the maximum percentage of the outstanding amount the customer has to pay Each PTP amount promised by the customer should not be more than this percentage of the total outstanding If the percentage m
40. branch date the user id the module name the date and time at which the report was generated and the page number of the report eS ORACLE Body of the Report Sr No Field Name Field Description 1 Branch Code Code of the branch 2 Interaction Reference Reference number to identify the interaction Number 3 Asset Reference Num Reference number of the asset ber 4 Customer Id Customer Identification number 5 Customer Name The name of the customer 6 Collection Reference Reference number of the collection contract Number 7 Collection Initiated Date on which the collection was initiated Date 8 Asset Related Details Asset product code Note This report is generated manually 8 8 Contacts Results and tickles by Collector Agent De tailed Report This report displays the list of interactions which are initiated by the agent and corresponding result of the interaction You can invoke this report screen by typing CNRAGIND in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Contact results and tickles by Collector Agent detailed Report Agent Name From Date To Date Report Format Printer At Client Report Output v Printer You can specify the following preferences for generating the report ee ORACLE Agent Name Select the collection agent name from the adjoining option list From Date Speci
41. c information relating to collection product here Product Code Specify a product code for the product you are maintaining Product Description Specify a product description for the product you are maintaining Start Date Specify the date from which this product should be open for contracts to be created under it End Date Specify the date until which contracts should be created using this particular product Slogan Specify the details that should appear in the report or an advice generated with regard to this product Remarks Specify any remarks or comments regarding the product here Preferences Tab Preferences are the attributes or terms related to core processing that you define for a product By default any action involving a product inherits all the attributes defined for the product However some attributes preferences that are defined during the product creation can be changed during the processing of individual collection contracts involving the product Click Preferences button to invoke the Collections Product Preferences screen Through this screen you can define the following Preferences for a product 2 ORACLE Preferences Product Code J Allow Manual collection Wait for Child Collection to Agent Assignment Close Allow Manual Queue Assignment Auto Closure Module Product Mapping 1 Of 1 T Mod Id Description Product Code Description m The product code you spe
42. cated to the collection agent selected The number of collections assigned to this collection agent gets displayed Click add icon to add another approver to the action code being defined To remove an approver from the list click delete icon When you save the collection group system assigns serial incremental numbers in the order in which the collection agents list appear in the multiple entry blocks Allocating Collection Agent within the Group During the batch process the Collection Queue is arrived based on the rules maintained for the Asset product The associated Collection agent group is determined from the list of Queues maintained here The loan account will be allocated to the appropriate collection agent as per the percentage allocation within the group 18 ORACLE 3 1 17 Collection agent for the new loan collection agent with the maximum Allotted percentage Used percentage Viewing the Summary of Collection Agent Group You can view the summary of agent group in the Summary collection Agent Group screen You can invoke this screen by typing CNSCAGRP in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Summary C Advanced Search Reset Authorization Status Record Status Collection Agent Group Description Records per page 15 v Authorization Status Record Status Collection Agent Group Description
43. cation number 3 Customer Name The name of the customer 4 Component Name Defaulted component name 5 Schedule Due Date Due date for the payment 6 Currency Currency in which the amount is displayed 7 Amount Due Total due to be paid 8 Amount Settled Amount paid 9 Delinquency Days Days when the payment is not made from the schedule due date Note This report is generated manually 8 5 Account Level Activity This report displays the list of actions and payments for an asset reference You can invoke this report screen by typing CNRASACT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Account Level Activity Report Asset Reference Number Branch Code From Date To Date Report Format Printer At Client Report Output Printer You can specify the following preferences for generating the report Asset Reference Number Specify the asset reference number from the adjoining option list for which you want to generate the report d ORACLE 8 5 1 Branch Code Specify the unique code for the branch from the adjoining option list From Date Specify the date from when the report needs to be generated To Date Specify the date until when the report needs to be generated Report Format Select the report format from the adjoining drop down list in which you want to generate the report You can select one of the following e
44. ccccccecee 3 6 CNRDLQOD ossessi 8 4 CNDP PF E 6 5 19 CNRFPEEL ssisossisrisisissiias 8 18 CONDO GG lj 5 22 CNRINTDT c ecce eee 8 20 CNDCADSH cccccccccceceee 5 28 CNRINTSM eee 8 14 CNDCAGRDP cccccccccceeeee 3 12 CNSACTCD ecceeceeeees 3 2 CNDCLDRY onesscescssecssseees 5 13 CNSASGNQ on ssesestesessees 4 12 CNDCLNST ssseesseessseee 3 10 CNSAXRSN o esseesssesstessees 3 7 CNDCNGCH ccccccccccccceeee 5 16 CNSBPFEE 0 006 5 20 CNDCOLIN woesesssecsssseesssseee 5 4 CNSCAASG oesseecsseeesseees 5 25 CNDDASH scssscssseessseee 5 32 CNSCAGRP o esseeseesseeees 3 14 CNDDLORS oeeessecsssseesssseee 3 8 CNSCLDRY ssseesssseseesees 5 15 CNDINAPQ wescesssssssecsssees 5 21 CNSCLNST 0 ssseesseesssee 3 11 CNDONONL sscssssessseeeees 5 1 CNSCNQCH nsssssssseseseseses 5 18 CNDPRMNT scesssecsssseees 4 1 CNSCOLIN o ssssecsseeeessees 5 11 CNDPTPPO E j 3 15 CNSDLQRS oos 3 9 CNDQRULE oo escsssessseeeees 4 8 CNSPRMNT sscesssessteseees 4 4 CNDRESLT ooeeesscssssseesssseee 3 4 CNSPTPPO wsesssesssseesessees 3 16 CNDSTMAP ovecssccsssseesssseee 4 6 CNSQRULE ssssesesesseseees 4 10 CNDUSRAG j 5 26 CNSRESLT serutocssesctenduenes 3 5 CNRAGIND o cssccssseessseees 8 16 CNSSTMAP sssesssessessseee dT CNRAGTAG ovecssccsssseesssseee 8 2 CNSUSRAG ssseseseesessees 5 27 CNRASACT n ssssccsesseessees 8 6 l ORACLE
45. ce Details Maker Date Time Checker Date Time Authorization Status Contract Status You can query the screen based on the following fields Customer ID Specify the customer ID of the customer whose loan amount is due Product Specify the asset product for which the amount due Asset Reference number Specify the asset reference number as per the collection assignment Collection Reference number Specify the collection reference number of the amount due Asset Amount From Specify the starting amount range for which you want to change the collection agent Asset Amount To Specify the amount limit for which you want to change the collection agent Collection State Specify the collection status of the loan for which you want to change the collection agent a8 ORACLE 5 16 1 Collection Agent Group Specify the collection agent group for which you want to change the collection agent Minimum Total Amount Overdue Specify the total outstanding amount of a loan for which you want to change the collection agent Minimum Overdue Schedules Specify the limit of overdue schedules of a loan for which you want to change the collection agent Minimum Overdue Days Specify the limit of overdue days of a loan for which you want to change the collection agent Currency Specify the currency of a loan for which you want to change the collection agent Collection Agent Now Specify the current collection agent of a loan for wh
46. cified for the product in the product definition screen gets displayed at the top of the screen You can provide the other attributes here Allow Manual Collection Agent Assignment Select this box if the manual assignment of Collection Agents for the collections under this product has to be enabled Allow Manual Queue Assignment Select this box if the manual assignment of Queues for the underlying collections has to be enabled Note Manual Collection Agent and Queue assignment are not applicable when an exception is being processed from the Queue Assignment Pending Queue screen CNDASGNQ Auto Closure Select this box if the automatic closure of the collections should be enabled when the loan status comes to normal without any overdue Wait for Chile collection to Close Check this box to indicate that the parent collection contract should wait till the child collection is closed If this box is unchecked then the parent contract will be closed even if the child collection is in active status Module Product Mapping You can map asset products with the collections product here Mod Id Select the asset module code to which you want to link the collections product The description of the selected module code also gets displayed Product Code Select the asset product code to which you want to link the collections product The description of the selected product code also gets displayed Ea ORACLE 4 2 2
47. collection agent fee is available as an SDE for the definition of collection agent fee The payment reversal is also handled through another SDE for the reversal amount The liquidation process also happens in intermediary module Element Description LOAN_COLLECT This SDE will return the sum of the amount collected by the ED_AMT intermediary collection agent LOAN_COL This SDE will return the sum of the reversed amount which L_REV_AMT was collected by the intermediary collection agent but reversed Refer intermediary module to know more details on collection agent fee definition fee reversal and liquidation Viewing the Summary of Collection Agent Assignment Record You can view the summary of collection agent assignment record in the Summary Collection Agent Assignment screen You can invoke this screen by typing CNSCAASG in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button oe ORACLE 5 18 5 19 Agent Assignment C Advanced Search Reset No of Records Effective Date e Assignment Reference Asset Type Records per page 15 v 10f1 Assignment Reference NoofRecords AssetType Effective Date Authorization Status Contract Status Maker Assignment Reference Select assignment reference number from the options available Maker Select a valid maker id of the record from the options
48. cting by external agent or department in the bank itself Depending upon success or failure factors of agent and customer credit rating existing agent can be replaced by another agent You can pay the fee to the collection agent for enabling the payment by customer There are various stages or events in the entire collection process Collections module can cater to the needs of the collection functionality once the asset becomes default This module is integrated to other modules like Retail Lending Leasing Islamic Assets and Mortgage facilities provided by the bank Processing Collections The processing of collection module is briefed here in different stages During the batch processing of retail lending module the defaulted loans are extracted and updated in a table The details in this table are taken to CN collections module and queue numbers are assigned While assigning queues an agent group or an agent is assigned to process the collection of the defaulted asset product with a collection reference number In case of any issues you can manually assign agent later and generate the collection reference number The default action record is assigned at the interaction data for the newly created Collection references i e the action code that appears first in the Action Result Next Action mapping New interaction for the records is displayed for which the next action date is due The stage is updated after verifying the authorization
49. ction has been sched uled to initiate PTP Amount Amount promised to pay Note This report is generated manually 0 11 Fee Liquidated to Collection Agent This report displays the collection fee liquidation to the agent in a specified internal for the given branch You can invoke this report screen by typing CNRFEEL in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ORACLE Collection Agent Fee Liquidation Branch Code From Date To Date Agentid Repot Format PDF Printer At Client Report Output Print Printer You can specify the following preferences for generating the report Branch Code Specify the Unique code of the branch from the adjoining option list From Date Specify the date from when the report needs to be generated To Date Specify the date until when the report needs to be generated Agent ID Select the agent ID from the option list Report Format Select the report format from the adjoining drop down list in which you want to generate the report You can select one of the following e HTML e RTF e PDF e Excel Report Output Select the mode of output from the adjoining drop down list You can select one of the following e Print e View e Spool Printer At Select the printer location from the adjoining drop down list You can select one of the following e Client e Server eae ORA
50. de identifies a collection agent group uniquely in the system You can devise a code consisting of a maximum of 20 alphanumeic characters Description Specify a description for the collection group you are maintaining here You can a brief description in not more than 35 alphanumeric characters During the EOD batch process total number of collections assigned to this particular group gets displayed Valid Queues You can link valid collection Queues to the Collection Agent group you are maintaining here Queue ID Select a valid collection queue from the list of options available The LOV consists of all the selected collection queues maintained in the Queue Maintenance screen The queue description gets displayed A particular Collection queue can be linked only to one collection agent group where as a collection agent group can be linked to multiple queues Click add icon to add another approver to the action code being defined To remove an approver from the list click delete icon Collection Agents You can add collection agents to the collection group you maintaining here Agent ID Select the agent id of the collection agent to be added to this collection group The LOV lists all the agents maintained in the Collection Agent Assignment screen The description of the selected collection agent id gets displayed Percentage Specify the percentage of the total collections assigned to the group that are allo
51. de to query the collection details based on it Collection Reference Specify the collection refernce number to query the collection details based on it Asset Reference Specify the asset reference code to query the collection details based on it Customer Specify the customer code to query the collection details based on it oe ORACLE Minimum Overdue Specify the minimum sum of the overdue amount of principal and main interest components for the asset Minimum Principal Overdue Specify the minimum overdue of the principal component for the asset Minimum Interest Specify the minimum overdue amount for the main interest component for the asset Unique Identifier Specify the unique identifier for the asset owner Next Activity Specify the next planed interaction activity for the asset Customer Name Specify the name of the customer Next Activity Dates Specify the next due date for the planed activity After specifying the values in the screen click Query button or press F8 to perform the query The following list of assets under collections process conforming to the query criterion is displayed e Asset Reference e Latest Collection Reference e Queue e Collection Agent Group e Collection Agent e State e Collection Status e Select Click View Collection Details to view the following collection details e The different collection references and interactions that are associated to the Asset
52. default happens during the payment this product can be used for mapping to agent group For any product you create in Oracle FLEXCUBE you can define generic attributes Fora CN product in addition to these generic attributes you can specifically define other attributes These attributes are discussed in detail in this chapter For further information on the generic attributes that you can define for a product please refer the following Oracle FLEXCUBE User Manuals under Modularity e Product Definition e Interest e User Defined Fields e Settlements In Oracle FLEXCUBE you can maintain following details for a collections product e Broken Promise Fee Rule e Accounting Roles e Definition of Events e Accounting entries for the event BFEE Broken promise Penalty Charge e Mapping Collection product with asset product Maintaining Collection Products You can maintain the product details in the Product Maintenance for Collection screen You can invoke this screen by typing CNDPRMNT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 4 ORACLE 4 2 1 Collections Product E New E3 Enter Query Product Code Product Description Start Date End Date Slogan Remarks Accounting Roles Events Preferences Charges MIS Maker Date Time Checker Date Time Bit Mod No Record Status Authorization Status You can maintain the basi
53. due Overdue payment for the asset Status Status of the payment 5 3 1 3 Viewing Collection Interaction History Click Interaction History to invoke the Collection Interaction History screen You can view the collection interaction history details using this screen Collection interaction History Details Asset Reference Interaction Details Interaction Reference Interaction Date Result Next Action 1 Of 1 System displays the following details here Asset Reference Branch System displays the interaction history of the selected asset in Interaction Details section Interaction Reference Reference number to identify the interaction Interaction Date Date on which interaction has been initiated Action Action performed on interaction date Result Result of the action Next Action Next action after the result Next Action Date Date on which the next action has been scheduled to be initiate PTP Amount Amount promised to pay PTP Date Date on which customer has promised to pay amount at ORACLE 5 3 1 4 Viewing Customer Contact Details Click Customer Contacts to invoke the Customer Address Details screen amp Customer Address Details Asset Reference Number Branch Code 10f1 Customer No Location Authorization Status Record Status D atail System displays the following details here
54. e a ORACLE 5 3 e Action e Result e Next Action Recording Customer Interactions While booking a new interaction Event CNIB CNEX for a collection reference number a new interaction Sequence number is generated You can record the customer interactions during collection process by the agent in the Collection Interactions screen In case of external collection agency you can upload the recordings from ASCII file for bulk uploads or through the Gateway for single upload Interaction for each loan is recorded separately While saving the interaction execution system validates the result code and next action code based on the Action Result Next Action Mapping You can invoke this screen by typing CNDCOLIN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection interactions E New E3 Enter Query Collection Reference Interaction Sequence Collection Agent Number Customer Agency Name External Reference Customer Name Processing Stage Initiated Record Origin Manual Record Date Interaction Sub Sequence number Source Code Interaction Details Promise to Pay Legal Proceedings Asset Branch Asset Reference Asset Currency Asset Amount Asset Outstanding Asset User Defined Principal Status Asset Total Overdue Total No of Asset No of Days Delinquent Schedules Overdue Collateral Type Interest Rate Maturity Date Interest Overdue Princ
55. e Agentid Collection Agent Group Agent Name Plan Activity Activities forthe Day Activity Report Interaction Approval AgentReassignment Queue Assignment Agent Id Specify the identification number of the agent from the adjoining option list Note You can access only allowed agents details in the dashboard System displays the following details e Branch The current branch code from the adjoining option list e Agent Name The agent s name e Agent Group Code The agent group code e Collection Agent Group The agent group description For further information on generic attributes about collection agent please refer the same user manual ae ORACLE 6 Batch Processing 6 1 Introduction The batch process of Collections module is explained in this chapter The batch process takes place in different phases And collection batch will be processed after the Loans batch 6 2 Batch Process Flowchart The tasks which will be carried out by the Batch in connection with the Collection Process is explained in the flowchart below Update Interaction pending execution as rejected Automatic Processing Manual Processing End of Processing 6 2 1 Extraction of Data from Loans Loan accounts with amount dues are extracted to CN Collection module While processing the data the details required for the SDE s mentioned under the Queue derivation logic are extracted and mad
56. e Authorize the record e Copy the details of a record on to a new record e Close the record e Reopen the closed record e Print the details of a record e Delete the record Refer to the manual on Common Procedures for details of these operations Maintaining Delinquency Reason Codes You can maintain the reasons for a loan delinquency in the Delinquency Reasons screen The option list in the interaction screen lists the reasons you maintain here You can invoke this screen by typing CNDDLQRS in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Delinquency Reason E New E3 Enter Query Delinquency Code Description Fields ELCs Date Time Checker Date Time Mod No Record Status Authorization Status You can maintain the delinquency reasons and details here Delinquency code Specify a delinquency code for the delinquency reason of a loan you are maintaining This code identifies a delinquency reason uniquely in the system You can devise a code consisting of a maximum of 20 alphanumeic characters oe ORACLE 3 1 11 Description Specify a description for the delinquency code you are maintaining here You can a brief description in not more than 35 alphanumeric characters Viewing the Summary of Delinquency Reason Codes You can view the summary of delinquency reason in the Summary delinquency reason code screen You can
57. e available for further processing oH ORACLE 6 2 2 6 2 3 6 2 3 1 Note You can also upload the details of asset from external system using General Interface Processing Collection Extracted data from the loans module or the asset details are used for further processing During the batch process run the following sub processes related to collection are performed e System checks for collection records which are due for closure with the due amount in the contract as zero and the contracts which are back to normal status Pending collection messages are cancelled and interactions other than executed are cancelled Note If the check box Wait for Child Collection to Close is checked in the Collection Online screen then system waits for the child collection to close and only then the parent collec tion will be closed e System checks for multiple mapping of collection reference and the base table is taken for Queue Assignment Exception The same is picked up next day from the Queue assignment Exception screen after confirming the new queue assigned for these collections e Agents are assigned based on the allocation maintained in the collection agent group level for the various collection Agents If another loan of the customer has been assigned to a particular collection agent then a subsequent one assigned to the same group will also be assigned to the same collection agent e The defa
58. e eee 5 1 SE IntrOGUCTION t 2 4 4t tice rhein E dott e ae vet T 5 1 5 2 Capturing Collection Reference ecccccceceeeeeeeeeeeeceeeeeseeeeeeeeeeeneeeeeeseeaeeeeseenaaeees 5 1 5 3 Recording Customer Interactions cccccceeeeeeeeeeeeeeeeeeseeeeeeeeeeneaeeeeeseeaeeeeeeeaaeees 5 4 93 7 Asset Details Tabaien ccc visuals ities oe ei ee 5 5 9 3 2 Interaction Details TaD sissrsrniirii akii iaie AAEE EAEE E 5 8 5 3 3 Promise to Fay Details Tab ensirretsriteere irern ten iT EREE TEER S IRA 5 10 9 3 4 Legal Proceedings Tab eraran OEE E 5 11 5 4 Viewing the Summary of Interaction Record eseesssseereesseerrrsserrrrsssrrrnsssrrrnrssne 5 11 5 5 Operations on Collection Interaction Record ccccceeeeeeeeeeeeceeeeeeeeeeeeeeeeeteees 5 13 5 6 Reminder Capturing Diary MeSSages ceeecceeeeeeeeeeeeeenneeeeeeenaeeeeeeeiaeeeeenenaaes 5 13 5 7 Viewing the Summary of Reminder Message ReECOId c ceeeeeeeeeeeeeteeeeeeeeneees 5 15 5 8 Operations on Reminder Message Record 0 cccceeeceeeeeeeeeeeeeeeeeeeeteenaeeeeseeeaees 5 16 5 9 Changing Collection Queue for LOANS ccceeeeeeeeeeeeeeeeeeeeeenaeeeeeeenaeeeeeneenaees 5 16 5 10 Viewing the Summary of Collection Queue Change Details 0 00 0 eee 5 18 5 11 Operations on Collection Queue change for Loans Record cceeeeeeeseees 5 19 5 12 Reversing Broken Promise Fee eccecccceeseeeeeeeeeceeeeeseeecaeeeeseenaeeeeeeenaeeeeeeenaaes 5 19 5
59. e name the date and time at which the report was generated and the page number of the report Body of the Report Sr No Field Name Field Description 1 Collection Reference Reference number of the collection contract Number 2 Asset Reference Num Reference number of the asset ber 3 Branch Code Code of the branch 4 Value Date Amount paid date 5 Payment Amount Total amount paid 6 Currency of Payment Payment currency Note This report is generated manually Customer Aging Report by Collector Agent This report displays the list of customers and their asset details which are under selected agent You can invoke this report screen by typing CNRCUSRP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Aging ByCollector user defined aging segment Agent Id From Date No of Days Report Format Printer At Client Report Output Printer Sla ORACLE 8 6 1 You can specify the following preferences for generating the report Agent Name Specify the agent name from the adjoining option list for whom you want to generate the report From Date Specify the date from when the report needs to be generated Number of Days Specify the number of days for which you want to generate the report Report Format Select the report format from the adjoining drop down list in which you want to generate the repo
60. e number get defaulted here e Branch e Collection Agent e Asset Reference Number e Collection Event Number Interaction Details The interaction reference number and details are captured here Interaction sequence number Specify the interaction sequence number if have opted for manual input If opted for automatic input the interaction sequence number gets defaulted The date of interaction gets defaulted Message Details The message details get defaulted here Message Date Specify the date on which the message has to be generated Message Status The message status can be selected as per the current state of collection interaction from the following options e Generated G e Un Generated U e Cancelled C Generation Mode Specify the mode of message generation as auto or manual The media of reminder message gets defaulted here as per the maintenance Incase the default media is null Mail gets selected as media Additional Text Specify the additional information about the reminder message Media The medium of communication gets defaulted from the Media Address maintenance You can amend the details here You can save the mapping of reminder message and interaction details CNMS event gets fired with Collection Event Number while generating message No operations are allowed after authorizing a reminder message aM ORACLE 5 7 Viewing the Summary of Reminder Message Record Yo
61. ecord Or Initiated v Manual Input Bulk Annraval Raiart Maker Date Time Checker Date Time Authorization Status The records can be approved or rejected in bulk Bulk reference numbers are generated for storing the audit log The two events which can be fired here are CNAP or CNRJ which are auto authorised Activities for the Day You can track the daily activities for an agent across the queues You can invoke this screen from the Collection Agent Dashboard by clicking on the Plan Activity button sal ORACLE 5 16 Activities for the Day E New E3 Enter Query Agentld Collection Contract Asset Contract Agent Name Source 1 Of 1 E AssetReference Number Collection Reference Number Counterparty Name Counterparty Currency Principal Overdue Tl Conversation Capture Details You can specify any or all of the followig details and click on Query to view the daily activities for the agent e Agent Id e Agent Name e Collection Contract e Source e Asset Contract System displays the following information based on the query e Asset Reference Number Reference number of the asset e Collection reference Number Reference number of the collection contract e Counterparty Name Owner of the asset e Counterparty Owner Id of the asset e Currency Currency of the asset e Principal Overdue Overdue of t
62. eeeentte eee ceennneeeeeeenaaeeeeeeenaeeeeesenaas 6 1 6 2 2 Processing Colao reri erite etsede aai keai aa iaa ia iaaa i keal Ra EETA 6 2 6 2 3 Uploading the Collection Detalls 0 cccccccccccccteeeceeenneeeeeeetnneeeeeeetneeeeenenae 6 2 Annexure Events and Advices for Collections cccssssseeeeeeeeeeeenees 7 1 a Collection EVES e oree ar an A eae la aida ea teeta aa 7 1 T1 AQVICOS oniinn iia e i eE E AAE AEREE AEE E dh EE EAR E RAEE AE EER 7 1 7 2 Process Codes for Collection Module ssssssssssssesrrsssesrrsssrerrrssrtrrnsssrtnnnssennssstnen 7 3 eTo m aoee E E A EE EE E A T RA 8 1 Sl MORUSO aaeei areae EEE RE EE REAR 8 1 32 OBIEE REPOSNONY oann eA S T 8 1 8 2 1 Loans under Collection ProCe SS ic cccccccccecccscceccsncceeeeccsueecesnseeseeensesseneeeenes 8 1 8 3 8 4 8 5 8 6 8 7 8 8 8 9 ASUV REDON ites ss foes wei coattin AE Sine AN eae eed tee aan ee 8 2 8 3 1 Contents Of the Report 2 cccccceccccceceeeeeeeeeeceeaaneaeceeseeeeeetteseeeneesinaeeees 8 3 Delinquency Analysis by Overdue DayS ccccccceeeeeeieeeeeeetcieeeeeetitieeeeeetaeeeeeee 8 4 8 4 1 Contents of the Report ccccececeeeeeceneceeeeceeeeeeeseeeecsennecaeeeseeeeeeeteeteeneees 8 5 Account Level ACtiVity sei erien riii ie iaeia ranei a aa a AEEA aA 8 6 8 5 1 Contents of the Report cccececceeeneeneceeeeeeeeeeeetetteceeaaecaeeeseeeeeeetentesneess 8 7 8 5 2 Contents of the Report
63. eue to which the collection belong to Media of Communica Mode of communication tion Currency The currency in which the amount is displayed Payment Amount Total due to be paid Payment Date Date on which payment was made Note This report is generated manually 0 6 Delinquency and Activity by each Collection Agent This report displays the list of delinquency and activities for the agent You can invoke this report screen by typing CNRDLQAG in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button e ORACLE 8 5 2 Delinquency and Activity by each Collection Agent Agent Id ReportFormat PDF Printer At Client Report Output Print Printer You can specify the following preferences for generating the report Agent Id Specify the agent Id from the adjoining option list for whom you want to generate the report Report Format Select the report format from the adjoining drop down list in which you want to generate the report You can select one of the following e HTML e RTF e PDF e Excel Report Output Select the mode of output from the adjoining drop down list You can select one of the following e Print e View e Spool Printer At Select the printerlocation from the adjoining drop down list You can select one of the following e Client e Server Printer Specify the path of the printer if you want to print the report Conte
64. fy the start date of the report date range The system will generate the report covering the details from this date To Date Specify the end date of the report date range The system will generate the report covering the details until this date 8 8 1 Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The Header carries the title of the Report information on the branch code the branch date the user id the module name the date and time at which the report was generated and the page number of the report onl ORACLE Body of the Report Field Name Field Description Interaction Ref No Reference number to identify the interaction Asset Reference Num ber Reference number of the asset Asset Currency Currency of the asset Asset Amount Total asset amount Customer ld Customer identification number Customer Name The name of the customer Collection Reference Number Reference number of the collection contract Collection Initiated Date Date on which the collection was initiated Action Initiated Action performed Action Initiation Date Date on which the action was initiated Result of Action Result of the action initiated Next Action Next action after the result Next Action Date Date on which the next a
65. g arrow button Activity Report Agent Id Agent Name Agent Group Code Date Collection Contract Status ReportFormat PDF Printer At Client Report Output z Printer You can specify the following preferences for generating the report Agent ID Specify the agent Id from the adjoining option list for whom you want to generate the report Agent Name Based on the agent ID selected the system displays the name of the agent Agent Group Code Based on the agent ID selected the system displays the group code to which the agent belongs Date Specify the date till which you want to generate the report for the pending activities for the agent Collection Contract Status Specify the status of the collection contract from the adjoining option list Report Format Select the report format from the adjoining drop down list in which you want to generate the report You can select one of the following e HTML e RTF e PDF e Excel oe ORACLE Report Output Select the mode of output from the adjoining drop down list You can select one of the following e Print e View e Spool Printer At Select the printerlocation from the adjoining drop down list You can select one of the following e Client e Server Printer Specify the path of the printer if you want to print the report 8 3 1 Contents of the Report The parameters specified while generating the report are printed at the beginning of the
66. he following preferences for generating the report Branch Code Specify the unique code for the branch from the adjoining option list ORACLE 8 4 1 Delinquency Component Specify the delinquency for collection from the adjoining option list Minimum Delinquency Days Specify the minimum days of delinquency Report Format Select the report format from the adjoining drop down list in which you want to generate the report You can select one of the following e HTML e RTF e PDF e Excel Report Output Select the mode of output from the adjoining drop down list You can select one of the following e Print e View e Spool Printer At Select the printerlocation from the adjoining drop down list You can select one of the following e Client e Server Printer Specify the path of the printer if you want to print the report Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The Header carries the title of the report information on the branch code the branch date the user id the module name the date and time at which the report was generated and the page number of the report F9 ORACLE Body of the Report Sr No Field Name Field Description 1 Asset Reference Number Reference number of the asset 2 Customer Number Customer identifi
67. he principal component e Total Overdue Total overdue of the principal and the main interest component e Total No of Asset Schedules Overdue Maximum number of days overdue for the main interest or principal components e Phone Number Contact number of the customer e E mail E mail address of the customer e Comments User comments Assigning Collection Agent for a Loan In Oracle FLEXCUBE you can change the collection agent if a particular collection agent fails to collect the loan amount due in the Collection Agent Assignment screen You can assign new agent through Collection Agent Assignment screen When you assign a new collection agent the interactions recorded for the old agent gets cancelled You can invoke this screen by typing CNDCAASG in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button oe ORACLE Collection Agent Assignment E New E3 Enter Query Assignment Reference Effective Date Comments Customer Id Minimum Total Amount Over Product Due Collection Reference Minimum Over Due Asset Reference Sehadulos Minimum Overdue Days Asset Amount From Cuon Collection State aii yee Collection Agent Group Collection Agent Now Apply to All New Collection Agent Collection Agent Assignment 1 Of 1 Collection Reference number Asset Reference Total Amount Due Collection Agent Gr Component Wise Balan
68. hild Collections Maker ID Authorized By Contract Status Authorization Status Date Time e Date Time e Collection reference number is generated by the system Product Select a valid collection product for which you want to generate a collection reference number Asset Reference Number Specify the CL account number for which you need to map to collections ORACLE In new mode after supplying the Asset reference number and the product click P button to update the details of the selected combination The following details get displayed e Collection Reference Number e Latest Event e Event Sequence Number e Source Code e Collection Creation Date e Counterparty e Collection Agent e Queue ID e State Allow Manual Collection Agent Assignment Check this box to indicate that assigning collection agent manually is allowed Allow Manual Queue Assignment Check this box to indicate that assigning collection queue manually is allowed Auto closure Check this box to indicate that automatic closing of the collection product is allowed There will be symbols against the queue and collections agents when a collection is created manually You can manually assign it through the screen CNDCNQCH Manual Queue change and subsequently the Collection agent assignment using the screen CNDCAASG Collection Agent Assignment Parent Collection Reference Number Specify the parent collection reference numbe
69. ich you want to change the collection agent Click Query button to perform a query based on any of the fields above The bellow grid displays the following details of all the records matching the selected criteria Apply to All Check this box and click apply button to assign the new collection agent to all the records with the selected criteria Comments Specify any comments related to this new collection agent assignment here While authorizing the new collection agent assignment as event CASG Collection Agent Re Assignment is fired in all the underlying Collection contracts A unique assignment reference number is generated which can be used to identify the bunch of contracts for which the assignment has been done in a particular lot You cannot perform any operation after the authorization Component Wise Balance Click Component Wise Balance Details button to view component wise due details of the asset reference number selected in the Collection Agent assignment screen You can view the details of assets from the Oracle FLEXCUBE in the component wise balance screen met ORACLE Component Wise Balance Details Asset Reference Customer Id Customer Name Component Wise Balance Details 10 1 Component Name Total Amount Due Earliest Schedule Due 5 16 2 Processing Collection Agent Fee 5 17 In the intermediary module total liquidated amount paid as
70. ing of Collection State to a Product You can assign a new state for a collection product after validating the combination of previous state and the action result The mapping of a collection state for a product is done for branch product and source code combination During the batch process the state change becomes effective You can invoke this screen by typing CNDSTMAP in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection State Mapping E New amp Enter Query Branch Product Source Code Rule 1 0f1 Serial Number Previous State Fields Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can assign new state for the branch product and source code combination here Branch Specify the branch code for which the state mapping should be done You can also specify ALL if it applies to all branches of your bank Product Specify the product code for which the state mapping should be done You can also specify ALL if it applies to all collection products Source Code Specify a source code to maintain the state mapping if there is no product involved You can assign the new state here Previous State Specify a valid state code maintained in the system Action Select a valid action code from the option list provided Result Select a valid result from the option li
71. ion Select a valid product code description from the options available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Branch e Source Code e Product Collection Queue Derivation You can provide the logic for the system to assign a particular queue to a collection reference number in the Queue Derivation Rule screen You can invoke this screen by typing CNDQRULE in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Queue Derivation Rule E New E3 Enter Query Source Code Product Module Rule 1 Of 1 Rule Sequence Condition Rule Queue Name Fields Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can provide the following details here Source Code Specify a source code for which the queue derivation logic has to be maintained FLEXCUBE is applicable if you are selecting CL CI LE or MO modules You can provide external source for all other cases Module Specify the module for which the Queue derivation logic has to be maintained from the following list if the source code is FLEXCUBE e CL e LE oe ORACLE e MO e Cl Product Specify a product code for which the queue derivation logic has to be maintained The products of the
72. ion queue change a unique queue change reference number will be generated with the maker id checker id details stored against each such reference number mig ORACLE Comments Specify any comments related to this queue change here which can be used while retrieving information in the summary screen Query You can query this screen on the following details Asset Reference Number Specify a valid asset reference number to perform a query based on it Customer ID Specify a valid customer id to perform a query based on it Collection Queue The collection Agent can be assigned only within the collection Agent group linked to the Queue Specify a valid collection queue value to perform a query based on it Product Specify a valid asset product code to perform a query based on it Loan Status Specify the loan status to perform a query based on it Minimum Total amount over due Specify the minimum amount overdue to query the asset records with the total amount Overdue greater than or equal to this amount Minimum Overdue Days Specify a minimum number of overdue days to query the asset records with total number of overdue days greater than or equal to this number Minimum Overdue Schedules Specify a minimum number of overdue schedules to query the asset records with total number of overdue schedules greater than or equal to this number Customer Category Specify the customer category to perform a query based on it Custo
73. ipal Overdue Fields Field 1 Number Field 1 Date Field 1 Field 2 Number Field 2 Date Field 2 Field 3 Number Field 3 Date Field 3 Field 4 Number Field 4 Date Field 4 Field 5 Number Field 5 Date Field 5 Field 6 Number Field 6 Date Field 6 Field7 Number Field 7 Date Field 7 Field 8 Number Field 8 Date Field 8 Field 9 Number Field 9 Date Field 9 Field10 Number Field 10 Date Field 10 Asset Details ELCs Date Time Contract Status Authorization Status Checker Date Time You can record the interactions between the customer and the collection agent here The interaction sequence number is generated by the system Collection Reference Specify the collection reference number of the collection process for which you are recoding the details The following details get displayed e Collection Agency gets displayed as per the name of the agent e Customer gets displayed as the counterparty of the underlying Asset e Customer Name gets displayed as per the customer name mapped in the system e Processing Stage gets displayed as per the current status of the collection process e Record Origin gets displayed as per the origination of the interaction created in system 4 ORACLE 5 3 1 5 3 1 1 e Source Code gets displayed as per the origination of interaction e External Reference Number gets displayed if the interaction is uploaded from an external source e Record Date displays the date on which the interaction is created in the syste
74. ken Promise Fee Reversal E New E3 Enter Query Collection Reference Fee Date Asset Reference Fee ESN Customer Fee Details Currency Fee Amount Fee Status Fee Rule Reversal ESN Revaluation Date EL ig Date Time Checker Date Time Status Authorization Status You can reverse the fee of broken fee here Collection Reference Number Specify the collection reference associated with the broken promise fee Click query button to view all the details of broken fee collected related to the specified collection reference number The following details get displayed e Asset Refernce number e Fee Date a ORACLE 5 13 e Fee Event Sequence Number e Customer Fee Details You can view the following fee details here e Currency e Fee Status e Broken Promise Fee e Fee Rule You can click Reverse from the menu to pass the reversal entries An event Reversing Broken Promise Fee RFEE gets fired After the fee has been reversed the reversal event sequence number and the date of reversal gets defaulted Viewing the Summary of Reversal of Broken Fee Re cord You can view the summary of broken fee reversal record in the Summary broken fee reversal record screen You can invoke this screen by typing CNSBPFEE in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button C advanced Search Reset Collection Reference Fee ESN Records per page 15 v
75. le in the system e REMINDERMSG If a reminder message is to be sent to the customer this action code can be used as the next action You can maintain additional actions performed by the agent in the Actions Codes screen These actions might require approval before the action can be executed in the interactions screen which can also be maintained here You can invoke this screen by typing CNDACTCD in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button LBL_ACT_coD E New amp Enter Query Action Code Approval Required Description Approvers Allowed 1 Of 1 Serial Number Approver Id Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can maintain the action codes and the details of approver who approves that action here I ORACLE Action Code Specify the action code for the action you are maintaining This code identifies a unique action in the system You can devise a code consisting of a maximum of 20 alphanumeic characters as the action code Description Specify a description for the action code you are maintaining here You can give a brief description in not more than 35 alphanumeric characters Approval Required Check this box to indicate that an approval is required to perform this action Approvers Allowed The list of valid approvers can be maintained here
76. lications including applications that may create a risk of personal injury If you use this software or hardware in dangerous applications then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws Except as expressly permitted in your license agreement or allowed by law you may not use copy reproduce translate broadcast modify license transmit distribute exhibit perform publish or display any part in any form or by any means Reverse engineering disassembly or decompilation of this software unless required by law for interoperability is prohibited The information contained herein is subject to change without notice and is not warranted to be error free If you find any errors please report them to us in writing This software or hardware and documentation may provide access to or information on content products and services from third parties Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to third party content products and services Oracle Corporation and its affiliates wi
77. ll not be responsible for any loss costs or damages incurred due to your access to or use of third party content products or services Contents ag b gt O Sones eS Sa nee es Re 1 1 We UMTMOMUGHON pp ctecte He bvsccet hecbt see E E E E 1 1 12 PAUGIGN CO oane a A E AA T O A AE 1 1 1 3 Documentation Accessibility 0 00 cccceeeeeeeeecneeeeeeeneeeeeeeetaeeeeeesaeeeseeeiaeeeeeeeaes 1 1 TA ORGAaniZatlon aatar aa EAE EATA ARA eas AARAA ETE A EAA 1 1 4 5 Related DOCUMOMNS oreore ae a r EA E R E se 1 2 1o Glossary or ICONS aerei e a E ah ea a iii i inane 1 2 Collections An Overview ssssssssnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn nnn 2 1 241 Introductiom oseere i cede E AA A AA 2 1 2 1 1 Processing Collections seneredaurerni aii a Aaa e aeaii 2 1 2 1 2 Collection Process flow DiagramM sseeeesssereserrresrnrrrrneerrrrnerrnnnnnneerrennnnna 2 1 Maintenances and Operations eeeeeeeeeeeeeeeeeeeeeeeeeaeeneeeeeeeeeeees 3 1 aK Modto sorimen iee e a r ae aad Gee et 3 1 3 1 1 Maintaining Collection Action Codes eeeeessseesiisneerrrnneeernnnneerrnnreeenene 3 1 3 1 2 Viewing the Summary of Collection Action Codes cccceeeeeeeettteeeetee 3 2 3 1 3 Operations on Action Code Maintenance Record ccccccccceeetseeneeneees 3 3 3 1 4 Maintaining Collection Result CodeS seeesiiseeeieneeeenenneeernnnneerrrnreeenene 3 4 3 1 5 Viewing the Summary of Collecti
78. ls View Asset Details Xx Asset Reference Due Details As of Date Asset Details Counterparty Name Asset Product Asset Currency Asset Amount Asset Maturity Date Asset Booking Date Asset Value Date Due Details 101 oO Component Earliest Due Date Total amount Due Bo Fields Field 1 Number Field 1 Date Field 1 Field 2 Number Field 2 Date Field 2 Field 3 Number Field 3 Date Field 3 Field 4 Number Field 4 Date Field 4 Field5 Number Field 5 Date Field 5 Field 6 Number Field 6 Date Field 6 Field7 Number Field 7 Date Field 7 Fields Number Field 8 Date Field 8 Field 9 Number Field 9 Date Field 9 Field10 Number Field 10 Date Field 10 The Asset Reference Number and Due Details as of Date are displayed from the parent screen Asset Details Following asset details are displayed here e Counter Party e Asset Product e Asset Amount e Asset Booking Date e Asset Value Date e Name e Description e Asset Currency e Asset Maturity Date Due Details The following due details are displayed here e Component e Earlier Due Date e Total Amount Due e Amount Paid Viewing Collection Agent Dashboard You can view the collection activities across the queues for an agent You can invoke this screen by typing CNDDASH in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button one ORACLE gt Collection Agent Dashboard Screen E New E3 Enter Query Branch Agent Group Cod
79. m e Incase of any further actions performed on a recorded interaction the latest interaction sub sequence number gets generated and displayed In the case where the Action code does not require an approval upon save itself system will accept the result code date and next action code date If all the data are supplied CNEX Event will be fired directly and CNIB will not be fired If Result is WAITING CNIB will be fired and Execution needs to be carried out using button Liquidate On supply of result and next action codes Execution event CNEX will be carried out After the event CNIB is fired processing stage is updated as Initiated if the action code entered by the user requires an approval In this case the result code result date next action and next action date are not accepted by the system while saving the interaction After the authorisation Approval CNAP event is fired provided you have the approval rights Bulk Approval is also possible from the screen CNDINAP Q Authorized records are available for execution The processing stage after authorization is Approved Rejected In case of the approved records click Liquidate and if all the data is supplied execution is fired and the Processing stage gets changed to Executed During amend the interaction subsequence number get incremented by one During authorisation if the next action is REMINDERMSG and the next action date is current date
80. mer Credit Rating Specify the customer credit rating to perform a query based on it Currency If you have mentioned the minimum amount overdue this field is mandatory Specify the asset currency to perform a query based on it Click Query button to perform query based on the selected values The following values get displayed below in the multiple entry blocks of the screen e Asset Reference Number e Total Amount Due e Currency e Current Collection Queue e New Collection Queue New Collection Queue Specify the new assign queue to the each asset retrieved oN ORACLE 5 10 Note The event CQAS Collection Queue assignment is fired for all the Collection contracts list ed after the save Apply to All Select this box if the particular queue selected should be applied to all Click Apply button to apply the selected queue to be applied to all the asset references queried And your access to the selected queue is validated while saving the queue change Note You cannot amend the record after the authorization Viewing the Summary of Collection Queue Change Details You can view the summary of collection queue change details in the Summary Collection Queue Change screen You can invoke this screen by typing CNSCNQCH in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Summary 4 Advanced Search 9 Reset Queue Ch
81. n Agent Id Loan Reference Number Specific AI Loan Reference Number Product Specific All Product Collection Status Customer Id Report Format Printer At Client Report Output Printer You can specify the following preferences for generating the report Collection Agent ID Select the collection agent id from the following options e Specific e All Collection Agent ID If the collection agent id is selected as Specific then specify the collection agent id from the adjoining option list Loan Reference Number Select the loan reference number from the following options e Specific e All Loan Reference Number If the loan reference number is selected as specific then specify the loan reference number from the adjoining option list Product Select the product from the following options e Specific e All Product If the product is selected as specific then specify the product from the adjoining option list Collection Status Specify the collection status from the adjoining option list Customer ID Specify the customer ID from the adjoining option list 5 21 ORACLE 8 9 1 Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows eee ORACLE Header Field Name Field Description Report Name Indicates Report Name Branch Code Branch Name Indicates Current B
82. nance record if any function under the Actions Menu is disabled it means that the function is not allowed for the record e Amend the details of the record e Authorize the record e Copy the details of a record on to a new record e Close the record e Reopen the closed record e Print the details of a record e Delete the record Refer to the manual on Common Procedures for details of these operations Maintaining Collection Agent Groups In Oracle FLEXCUBE you can define Collection Groups based on the list of collection agents You can maintain these groups in the Collection Agent Groups screen Note Collection agents are maintained in the intermediary maintenance You can invoke this screen by typing CNDCAGRP in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection Agent Groups New amp Enter Query Collection Agent Group Description Collections Assigned Valid Queues Collection Agents 1 Of 1 1 Of 1 Queue Id Description Serial Number Agentid Descriptior Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can maintain the collection group and map the valid queues to the group Sia ORACLE 3 1 16 1 Collection Agent Group Specify a collection group code you are maintaining for a particular group of collection agents This co
83. nce Number Operations on Reminder Message Record You can perform the following operations on collection interaction record if any function under the application toolbar is disabled it means that the function is not allowed for the record e Create a record e Amend the details of the record e Authorize the record e Query the record e Delete the record Refer to the manual on Common Procedures for details of these operations Changing Collection Queue for Loans In Oracle FLEXCUBE you can manually change the collection queue of a particular loan You can use Collection Queue Change screen to change the existing collection queue and apply new collection queue You can invoke this screen by typing CNDCNQCH in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection Queue Change E New amp Enter Query Queue Change Comments Reference Source Code Query Asset Reference Customer Id Collection Queue Product Minimum Total Amount Minimum Overdue Days Over Due Account Status Minimum Over Due Customer Credit Rating Schedules Ee Quar Customer Category Currency Apply to All New Collection Queue Queue Change 10f1 Asset Reference Collection Reference Number Current Collection Queue New Collection Queue Maker Checker Contract Status Authorization Status Date Time e Date Time e For every manual collect
84. nge the collection queue automatically you need to change the queue and the collection agent You can manually assign or change the queue after batch process using the Queue Assignment Exception screen You can invoke this screen by typing CNDASGNQ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Queue Assignment Pending Queue E New E3 Enter Query Query Branch Batch Processing Date Collections Product List Exceptions Only Asset Product List Queue Changes Only Asset Reference Collection Reference Header Bulk Reference Comments Process Exceptions 1 Of 1 Asset Reference Collection Reference Queue Assigned Collection Agent Group assigned Collection Agent Assigned Exception Code ce Assian New Queues Reiect New Queues Authorization Status Maker ID Checker Id Date Time Date Time You can perform query in this screen for the records for assigning new queue or rejecting Branch Code Specify the branch code to perform query based on this Batch Processing Date Specify the batch processing date to perform query based on this Collection Product Specify the collection product to perform query based on this List Exceptions only Select a specific exception case from the option available to perform query based on this Asset Product Specify the asset product code to perform query based on this an ORA
85. nts of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows s9 ORACLE 0 7 Header The Header carries the title of the report information on the branch code the branch date the user id the module name the date and time at which the report was generated and the page number of the report Body of the Report Sr No Field Name Field Description 1 Agent Id Agent identification number 2 Branch Code Code of the branch 3 Collection Reference Reference number of the collection contract No 4 Asset Reference No Reference number of the asset 5 Component Name Defaulted component name 6 Schedule Due Date Due date scheduled for the payment 7 Amount Due Total due to be paid 8 Amount Settled Amount paid 9 Delinquency Days Days when the payment is not made from the schedule due date 10 Action Code Code of the action performed 11 Action Result Result of the action initiated 12 Next Action Next action after the result 13 Next Action Date Date on which the next action has been sched uled to initiate Cash Receipts by Collector Daily and Month to Date This report displays the payment mode for all the assets which has been handled by the agent between the From and To date You can invoke this report screen by typing CNRCASRT in the field at the
86. of the agent group code as e Authorised e Unauthorised Collection Agent Group Select a valid agent group from the list of agent group maintained Record Status Select the record status of the agent group as e Open e Closed Minimum Promise to Pay Days Select a minimum PTP days from the list of options Minimum Percentage of Outstanding Select a minimum percentage of outstanding amounts Maximum Promise to Pay Days Select a maximum PTP days from the list of options Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Collection Agent Group e Minimum Percentage of Outstanding e Maximum Promise to Pay Days e Minimum Promise to Pay Days Operations on PTP Policy You can perform the following operations on PTP policy record if any function under the Actions Menu is disabled it means that the function is not allowed for the record e Create and save the record e Authorize the record e Delete the record e Query the details of the record Refer to the manual on Common Procedures for details of these operations ou ORACLE 4 1 4 2 4 Product Maintenances and Product Introduction Like any other module in Oracle FLEXCUBE collection module also got some collection products which can be mapped to the contracts Collection Product can be mapped to the asset products and if any
87. ollection products in the Summary Collection Product Codes screen You can invoke this screen by typing CNSPRMNT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button ca ORACLE C advanced Search Reset Authorization Status Record Status Product Code Product Description Start Date End Date Records per page 15 v 10f1 Authorization Status Record Status Product Code Product Description Start Date End Date To view the summary of collection product codes you can perform a search based on any of the following Authorisation Status Select the authorisation status of the collection product as e Authorised e Unauthorised Record Status Select the record status of the collection product as e Open e Closed Product Code Select a valid product code from the options available Product Description Select a valid product code description from the options available Start Date Select a valid start date of the product code from the calendar option from available End Date Select a valid end date of the product code from the calendar option from available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Product Code e Product Description e Start Date e End Date ORACLE 4 3 Mapp
88. om the system The reminder details can be created as a diary based on the action date and the reminder date based on the details of interaction with the customer When a Customer Interaction is recorded by a Collection agent a record is automatically created in the collection Collection Reminder Messages screen depending on the next action code If the message should be send manually you can generate it using the manual option and the message date can be given manually You can invoke this screen by typing CNDCLDRY in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 4 Collection Reminder Messages E New E3 Enter Query Collection Reference Message Sequence Number DCN Asset Reference Collection Event Number Branch Collection Agent Interaction Details Interaction Reference Interaction Date Action Code Message Details Message Date Additional Text Message Status Generated Generation Mode Automatic Media Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can map reminder messages to the action codes here The branch code gets defaulted to the screen The Message Sequence Number gets generated by the system ote ORACLE Collection Reference Number Select the collection reference number associated with the message for which you want to map reminder The following details of the selected collection referenc
89. on Result Codes ccccecceeecetttteteeeteee 3 4 3 1 6 Operations on Result Code Maintenance Record cccccccccccteeeetenteees 3 5 3 1 7 Maintaining Action Result and Next ACtiOn 0 cccccscecceceeettteeeeettntteeeeetens 3 6 3 1 8 Viewing the Summary of Action Result Next ACtiON cccceseeeeeeennees 3 7 3 1 9 Operations on Action Result Next Action Maintenance Record 3 8 3 1 10 Maintaining Delinquency REASON COdES ecccceetcteeeeeetnteeeeetetneeeeettnee 3 8 3 1 11 Viewing the Summary of Delinquency Reason Codes ccccceienee 3 9 3 1 12 Operations on Delinquency Reason Code Maintenance Record 3 10 3 1 13 Maintaining Collection States COG ccccccceeteeeeeenteeeeeteeeeeeeeeeneaeeees 3 10 3 1 14 Viewing the Summary of Collection States Codes ccccccesseeeeneeees 3 11 3 1 15 Operations on Collection State Maintenance ReCOId seee 3 12 3 1 16 Maintaining Collection Agent Group ccccccecseeeeteeteeeeeseenaeeeeteeeaeeees 3 12 3 1 17 Viewing the Summary of Collection Agent Group ccccccesseeeteenteeeees 3 14 3 1 18 Operations on Agent Group Maintenance Record c cccceeeeeeees 3 15 3 1 19 Maintaining PTP POLICY cccccccccceceeeeeeeteeneeeeeeteeeeeeeeteeeeaeeeeseeeaaeeeetennaeeees 3 15 3 1 20 Viewing the Summary Of PTP Policy eccceccccceeteeeteeneeeeeeeeeeeeeteneaeeees 3 16 3 1 21 Operations ON PTP POLICY oeoa a re EE ET
90. osure e Close a Collection Record Fire CLOS click of Close button event against the collection reference Note Batch program takes care in automatically closing the collection record if no due for assets and auto closure is checked You can invoke this screen by typing CNDONONL in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collections Online E New amp 5 Enter Query Product 5 tal rs Collection Reference Latest Event Parent Collection Ref No Asset Reference Event Sequence Number Wait for Child Collection to Close Source Code Collection Creation Date Allow Manual collection Counterparty Agent Assignment Collection Agent Queue Id State Allow Manual Queue Assignment Auto Closure Asset Details Asset Amount Asset User Defined Status Customer Status Asset Currency Asset Outstanding Principal Customer Category Asset Total Overdue Customer Credit Rating Total No of Asset Schedules Overdue Fields Field 1 Number Field 1 Date Field 1 Field 2 Number Field 2 Date Field 2 Field 3 Number Field 3 Date Field 3 Field 4 Number Field 4 Date Field 4 Field 5 Number Field 5 Date Field 5 Field 6 Number Field 6 Date Field 6 Field 7 Number Field 7 Date Field 7 Field 8 Number Field 8 Date Field 8 Field 9 Number Field 9 Date Field 9 Field10 Number Field 10 Date Field 10 Events Interactions MIS View Parent C
91. owing Collection Reference Select collection reference number from the options maintained Customer Select a valid customer from the options maintained Collection Agent Select a valid collection agent from the options maintained Interaction Sequence Number Select a valid interaction sequence number from the options maintained Action code Select a valid action code from the options maintained Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Collection Reference e Customer Code e Customer Name e Record Origin e Collection Agent e Agency Name e Interaction Sequence Number e Action Code e Processing Stage e Total PTP Amount e Result of Action e Action Date ale ORACLE 5 5 5 6 Operations on Collection Interaction Record You can perform the following operations on collection interaction record if any function under the application toolbar is disabled it means that the function is not allowed for the record e Create a record e Liquidate the record e Amend the details of the record e Authorize the record e Copy the details of a record on to a new record e Print the details of a record Refer to the manual on Common Procedures for details of these operations Reminder Capturing Diary Messages During the collection process there could be an action item which requires a reminder message to be sent fr
92. r from the adjoining option list Wait for the Child Collection to Close Check this box to indicate that the parent collection contract should wait till the child collection is closed If this box is unchecked then the parent contract will be closed even if the child collection is in active status Note During EOD the collection contract gets created based on this check box checked or un checked at the collection product level Asset Details The following asset details also get displayed e Asset Amount e Asset User Defined Status e Asset Currency e Customer Status e Asset Outstanding Principal e Customer Category e Asset Total Overdue a ORACLE e Customer Credit Rating e Asset No of Schedules Overdue Click Events button to view the events that got fired on this collection reference number E New Enter Query Reference Number Events 10f1 Event Number Event Code Description Event Date Authorization Status LBL_MAKER2 Authorized v The following events detail gets displayed e Event Number e Event Date e Event Code e Description Click Interactions button to view the interactions that happened for this Collection reference number interaction Details Collection Reference 1 0f1 Interaction Reference Interaction Date al The following interaction details are displayed here e Interaction Sequence Number e Interaction Dat
93. ranch code and Branch Name User ID Indicates the Identification of the User Module Indicates the Module of the Report Report Run Date Indicates Current Branch Date Report Run Time Indicates Current Branch Time Body of the Report Field Name Field Description Interaction Reference Number Indicates the interaction reference number Collection Reference Number Reference number of the collection contract Loan Reference Num ber Indicates the loan reference number Product Indicates the product code Customer ID Indicates the customer ID Customer Name Indicates the name of the customer Collection Status Indicates the status of the collection Collection Agent Indicates the collection agent Currency Currency of the asset Action Code Indicates the action code Interaction Date Indicates the interaction date Next Action Indicates the next action Next Action Date Indicates the date of the next action date Result Code Indicates the result code Result Date Indicates the date of the result code Amount Total due to be paid Comments Indicates comments if any 8 23 ORACLE 9 Function ID Glossary c CNRCASRT sossen 8 10 CNDACTCD nenisionanii 3 1 CNRCUSRP sesssseeeesees 8 12 CNDASGNOQ cccccecccceeeee 4 1 CNRDLOAG ccceeeeee eee 8 8 CNDAXRSN cocccccccccc
94. reference selected in the parent screen e Events that got fired in the latest collection reference number e PTP Details for each Collection Reference Interaction Reference combination aay ORACLE View Collection Details Asset Reference Collections List 1 0f1 Collection Reference External Reference Current Collection Reference Interaction Sequence Number Record Date Record Origin Processing Stage PTP Associate K Events 10f1 Event Code Description EventDate Event Sequence Number Maker ID Checker Id ia PTP Details 10f1 Collection Reference Interaction Sequence Asset Reference PTP Amount PTP Date Amount Paid PTP Status r Ki m Interaction Details The following details are displayed e Asset Reference e Current Collection Reference Collections List e Collection Reference e External Reference e Interaction Sequence Number e Record Date e Record Origin e Processing Stage e PTP Associated Events e Event Code e Description e Event Date e Event Sequence Number e Maker ID e Checker ID On click of Interaction Details button the Customer Interaction Screen CNDCOLIN is launched for the Collection Reference number and Interaction Reference number selected 5 31 ORACLE 5 22 Click View Asset Details to view the basic asset detai
95. rised e Unauthorised Action Code Select a valid action code from the list of action codes maintained Record Status Select the record status of the action code as e Open e Closed Description Select a valid description from the list of options available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Action Code e Description Operations on Action Code Maintenance Record You can perform the following operations on action code maintenance record if any function under the Actions Menu is disabled it means that the function is not allowed for the record e Create and save a new record e Authorize the record e Query the details of a record e Delete the record o ORACLE Refer to the manual on Common Procedures for details of these operations Maintaining Collection Result Codes In Oracle FLEXCUBE the collection results are maintained as collection result codes All the standard result codes are available in the system Following factory shipped action codes are available in the system e WAITING This result code can be used in cases where the action does not yield a result immediately e PTP Policy Promise to Pay Policy You can maintain additional results in the Collection Interaction Result Set screen These result codes can be selected in the interaction screen d
96. rrow button C advanced Search Reset Authorization Status Record Status Product Source Code Module Records per page 15 v Authorization Status Record Status Product Source Code Module To view the summary of collection queue derivation rule you can perform a search based on any of the following Authorisation Status Select the authorisation status of the queue derivation rule as e Authorised e Unauthorised Record Status Select the record status of the queue derivation rule as e Open e Closed Source Code Select a valid source for querying the queue derivation rule Product Select a valid product code from the options available Module Select a valid module from the options available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Module e Source Code 10 ORACLE 4 7 e Product Assigning Exceptional Queues During batch process system assigns the new collection references as per the queue derivation rule you have defined There can be exceptional cases during this process due to which the queue could not be assigned and in such cases the Queue Collection Agent Group and Collection Agent gets displayed as And in some cases the new Queue derived based on the parameters differ from the currently assigned queues Hence system doesn t cha
97. rt You can select one of the following e HTML e RTF e PDF e Excel Report Output Select the mode of output from the adjoining drop down list You can select one of the following e Print e View e Spool Printer At Select the printer location from the adjoining drop down list You can select one of the following e Client e Server Printer Specify the path of the printer if you want to print the report Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The Header carries the title of the report information on the branch code the branch date the user id the module name the date and time at which the report was generated and the page number of the report Bale ORACLE 8 7 Body of the Report Sr No Field Name Field Description 1 Customer Id Customer identification number 2 Collection Ref Number Reference number of the collection contract 3 Collection Initiated Date on which the collection was initiated Date 4 Asset Reference No Reference number of the asset 5 Asset Related Details Product code of the asset 6 Number of Days Number of overdue days for the payment Note This report is generated manually Contacts Results and tickles by Collector Agent Summery This report displays the list of interactions which
98. set Product Asset Currency Asset Amount Asset Maturity Date Asset Booking Date Asset Value Date Due Details 1 Of 1 Component Name Total Amount Due Earliest Due Date A You can view the asset details here Viewing Asset Payment History Click Payment History to invoke the Asset Payment History screen You can view the asset payment history details using this screen Asset Payment History Asset Reference Number Branch Code Currency Code Asset Payment Summary 10f1 He a Schedule No Schedule Date Amount Due Amount Settled Amount Overdue Asset Payment Details 10f1 m E Component Name Amount Due Amount Settled Amount Overdue Status System displays the following details here e Asset Reference Number e Branch Code e Currency Code System displays the summery of asset payments in Asset Payment Summery section e Schedule Number Schedule sequence number a0 ORACLE Schedule Date Payment schedule date for the asset including all components Amount Due Payment due amount Amount Settled Amount paid Amount Overdue Overdue payment for the asset System displays the payment details of individual components in Asset Payment Details section Component Name Individual component in the asset Amount Due Payment due amount Amount Settled Amount paid Amount Over
99. st Hearing Next Action Date of Next He m Asset Details Maker Date Time Contract Status Authorization Status Checker Date Time You can specify all the legal proceedings details for the selected asset reference number e Action Reference Number Sequence number for the legal proceedings for the asset e Compliant Reference Number FIR number for the legal interaction e Lawyers Name Lawyers who has been involved in the legal verification e Location Location e Date of Last hearing Date on which the last hearing was initiated e Next Action Next action defined e Date of Next Hearing Next hearing date e Proceedings Summary Description for the legal proceedings Viewing the Summary of Interaction Record You can view the summary of collection interaction record in the Summary interaction record screen You can invoke this screen by typing CNSCOLIN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button on ORACLE Collection interactions C Advanced Search Reset Collection Reference ag Interaction Sequence Number Customer az Action Code Collection Agent Records per page 15 v 10f1 Collection Reference Interaction Sequence Number Customer Action Code Collection Agent Agency Name Ct To view the summary of collection interaction record you can perform a search based on any of the foll
100. st provided o ORACLE 4 4 New state Specify the new state of the collection product here You can map new state to multiple previous state of collection product Click add icon to add another approver to the action code being defined To remove a particular status from the list click delete icon Viewing the Summary of Collection State to a Product You can view the summary of collection state mapping to product in the Summary of Collection State Mapping screen You can invoke this screen by typing CNSSTMAP in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button C advanced Search Reset Authorization Status f Record Status Branch Source Code Product Records perpage 15 Authorization Status Record Status Branch Source Code Product To view the summary of collection state mapping to a product you can perform a search based on any of the following Authorisation Status Select the authorisation status of the collection state mapping as e Authorised e Unauthorised Record Status Select the record status of the collection state mapping as e Open e Closed Branch Select a valid branch for querying the collection state mapping Source Code Select a valid source for querying the collection state mapping Product Select a valid product code from the options available e ORACLE 4 5 Product Descript
101. t Delete from the Actions menu in the Application tool bar or click delete icon Viewing the Summary of Action Result Next Action You can view the summary of action result next action in the Summary Action Result Next Action screen You can invoke this screen by typing CNSAXRSN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button C Advanced Search Reset Authorization Status Record Status Queue Id Records per page 15 v 10f1 Authorization Status Record Status Queue Id To view the summary of action result next action you can perform a search based on any of the following Authorisation Status Select the authorisation status of the result code as e Authorised e Unauthorised Record Status Select the record status of the result code as e Open e Closed Queue ID Select a valid queue id from the list of options available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status a ORACLE 3 1 10 e Record Status e Queue ID Operations on Action Result Next Action Maintenance Record You can perform the following operations on action result next action maintenance record if any function under the Actions Menu is disabled it means that the function is not allowed for the record e Amend the details of the record
102. u can obtain i nformation specific to a particular field by placing the cursor on the relevant field and striking lt F1 gt on the keyboard Audience This manual is intended for the following User User Roles Role Function Back office clerk Input functions for contracts Back office managers officers Authorization functions Product Managers Product definition and authorization End of Day operators Processing during End of Day Beginning of Day Financial Controller Product Manag Generation of reports ers Documentation Accessibility For information about Oracle s commitment to accessibility visit the Oracle Accessibility Program website at http Avww oracle com pls topic lookup ctx acc amp id docacc Organization This manual is organized into the following chapters About this Manual gives information on the intended audience It also lists Chapter 1 ere the various chapters covered in this User Manual Collections An Overview is a snapshot of the features that the module Chapter 2 i provides Chapter 3 Maintenances and Operations explains about how to maintain the details p of the collection queue in Oracle FLEXCUBE Chapter 4 Product Maintenances and Product describes the procedure to define p attributes specific to collections product in Oracle FLEXCUBE Collection Contract Online describes the processing of collections mod Chapter 5 le 1 1 ORACLE
103. u can upload the Asset Details using the following fields in an ASCII file The upload is through Generic Interface module Field Name ne Type Description SOURCE_CODE 15 CHARAC Source code to identify the External TER system ASSET_REFERENCE 35 CHARAC Reference number used to identify TER the Asset at the source PRODUCT 4 CHARAC If there is something like a product TER code in the external system COUNTERPARTY 9 CHARAC Counterparty id for the Asset TER CUST_CATEGORY 10 CHARAC Customer Category TER CUST_GROUP 10 CHARAC Customer Group TER CUST_CRDT_RATING 10 CHARAC Customer Credit Rating TER CUST_STATUS 4 CHARAC Customer Level status TER ASSET_BOOKING 11 DATE Booking date of the Asset DATE ASSET_VALUE_DATE 11 DATE Value Date of the Asset ASSET_MATURITY_ 11 DATE Maturity Date of the Asset DATE SETTLEMENT _ACC 20 CHARAC Settlement Account number TER SETTLEMENT_AC 3 CHARAC Branch where the Settlement C_BRN TER Account is available CUST_CHARGE_GRO 10 CHARAC Customer Charge Group UP TER ASSET_OUTSTAND 22 NUMBER Outstanding Principal Amount of the ING Asset oA ORACLE ASSET_PRINC_DUE 22 NUMBER Due amount for the Principal ASSET_OTHER_DUE 22 NUMBER Due amount for the other compo nents ASSET_CCY 3 CHARAC Currency of the Asset TER ASSET_BRN 3 CHARAC Asset branch TER ASSET_BR
104. u can view the summary of collection interaction reminder record in the Summary Reminder Message Record screen You can invoke this screen by typing CNSCLDRY in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection Reminder Messages C Advanced Search Reset Authorization Status Record Status Collection Reference Collection Agent Message Date Records per page 15 v 10f1 Authorization Status RecordStatus Collection Reference Collection Agent Generation Mode Message Date D To view the summary of collection reminder message you can perform a search based on any of the following Authorisation Status Select the authorisation status of the collection reminder message as e Authorised e Unauthorised Record Status Select the record status of the collection reminder message as e Open e Closed Collection Reference Select collection reference number from the options maintained Collection Agent Select a valid collection agent from the options maintained Message Date The date on which message is generated for the customer Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Collection Reference e Collection Agent aip ORACLE 5 8 5 9 e Generation Mode e Message Date e DCN e Message Seque
105. ult action record is assigned at the interaction data for the newly created Collection references i e the action code that appears first in the Action Result Next Action mapping e New interaction for the records is displayed for which the next action date is due The stage is updated after verifying the authorization e Based on the State mapping maintenance collection state change happens during the batch process e PTP charge processing happens after verifying the dates have been honoured or not For broken promise a charge is calculated on the basis amount Reminder messages are generated during the BOD or EOD batch run CNMS event is fired in the Collection references wherever applicable The corresponding batch function ID is CNDREMSG Refer Maintenances and Operations and Collection Contract Online chapters of the CN Collections module user manual to know more about the details of collection sub process Uploading the Collection Details Entering high volume collection details can be laborious and time consuming You can avoid entering such details using the Batch Upload Function Customer Interactions upload You can upload the Customer Interactions done by the Collection Agents through the Generic Interface module It should contain the following details Ga ORACLE Sl Column Name Wiet Type Description No h 1 COLLECTIO
106. uring the action as per the result You can invoke this screen by typing CNDRESLT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Result codes E New E3 Enter Query Result Code Description Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can maintain the result codes and details here Result code Specify a result code for the action result you are maintaining This code identifies a result uniquely in the system You can devise a code consisting of a maximum of 20 alphanumeic characters Description Specify a description for the result code you are maintaining here You can a brief description in not more than 35 alphanumeric characters Viewing the Summary of Collection Result Codes You can view the summary of collection result in the Summary Result code screen ak ORACLE You can invoke this screen by typing CNSRESLT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button C advanced Search Reset Authorization Status 7 Record Status Result Code Description Records per page 15 v Authorization Status Record Status Result Code Description To view the summary of result codes you can perform a search based on any of the following Authorisation Status Select the authorisation status of the result code as
107. y Analysis by Overdue Days e Account Level Activity e Delinquency and Activity by each Collection Agent e Cash Receipts by Collector Daily and Month to Date e Customer Aging Report by Collector Agent e Contacts Results and tickles by Collector Agent Summery e Contacts Results and tickles by Collector Agent Detailed Report e Fee Liquidated to Collection Agent e Collection Interaction Details Note Note that for some of the reports you do not have to make any specifications For such reports there is no Report Options screen OBIEE Repository An OBIEE repository is created for the customer collection interaction details In addition to the CN module data stores some core data stores like the customer currency branch is also provided Note This can be used where the source of an Asset is FLEXCUBE Loans under Collection Process You can generate a report with all the loans that are under collection process with the following details e Collection Agent e Collection Agent Name e Loan Reference number e Collection Status e Loan Status e Customer ID a ORACLE 8 3 e Customer Name e Loan amount e Value Date e Total Amount Due Activity Report The Activity Report provides the list of the actionable items for the day for the agent You can invoke this report screen by typing CNRAGTAC in the field at the top right corner of the Application tool bar and clicking the adjoinin

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