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Collections User Manual

1. ORACLE 4 9 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 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 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 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 Coll
2. 1 Asset Reference Number Reference number of the asset 2 Customer No Customer identification number 3 Component Name Defaulted component name 4 Schedule Due Date Due date for the payment 5 Amount Due Total due to be paid 6 Amount Settled Amount paid 7 Delinquency Days Days when the payment is not made from the schedule due date This report is generated manually 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 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 Report Output Printer At 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 ORACLE 8 6 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 HTML e RTF e PDF e
3. A 7 1 7 2 PROCESS CODES FOR COLLECTION MODULE ssssssssccececsssssaececececeesseaesecececsesssaeceeececsessaeaeeeeeesesenssaeeeeecs 7 3 REPORTS e M T 8 1 8 1 INTRODUCTION H 8 1 8 2 COLLECTION INTERACTION 8 8 1 8 3 OBTEE REPOSITORY e vertes etes vorher Cro Een Cerro ue siete ke 8 2 8 3 1 Loans under Collection Process ccccccccccccccccccccccececececececececesecececececesecesecececesesececececesecesecececececececesececess 8 2 8 4 ACTIVITY REPORT 8 2 8 4 1 Contents ofthe REPOT eaire Hip re ES teas OS TR GRE ERE RENS 6 4 8 5 DELINQUENCY ANALYSIS BY OVERDUE 8 5 8 5 1 Contents Of the Report esi ree n Ese 6 6 8 6 ACCOUNT LEVEL ACTIVITY cccccccccccceesessssecececeesesseseceeececseseaesecececeeeaaeeeeececeessaassesecseceseueaesseeeeeseneaaeaeeees 8 7 ORACLE 6 6 1 Contenis of the Report e e er age 6 8 8 7 DELINQUENCY AND ACTIVITY BY EACH COLLECTION AGENT cccccsessscecececsessssesecececcenenseaesecececsessaneeeees 8 9 8 7 1 CONTENTS OF the Report uiii tee ee n Ere PES
4. Delinquency Analysis by Overdue days Branch Code Delinquency Component Minimum Delinquency Days Report Format Printer At Report Output Printer You can specify the following preferences for generating the report Branch Code Specify the unique code for the branch from the adjoining option list Delinquency Component Specify the delinquency for collection from the adjoining option list Minimum Delinquency Days Specify the minimum days of delinquency idis ORACLE 8 5 1 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 report contains the following details Header Sr No Field Name Field Description 1 Branch Code Code of the branch 2 Delinquency Defaulted component Component 3 Delinquency days Days when the payment is not made from the schedule due date Body of the Report Sr No Field Name Field Description die ORACLE 8 6
5. ORACLE 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 Collections Product Authorization Status Record Status Product Code Product Description a Start Date amp End Date E Records per page 15 gt 1 Of 1 Authorization Status Record Status Product Code Product Description Start Date End Date r r r r r r r r r r r r r r r v To view the summary of collection product codes you can perform search based 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 TS ORACLE 4 3 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 Des
6. 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 the 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 ORACLE 5 16 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 di ORACLE You can invoke this screen by typing CNDCAASG in the field at the top right corner of the Application tool bar and click
7. a ORACLE 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 different collection references and interactions that are associated to the Asset reference selected in the parent screen e Events that got fired in the latest collection reference number e Details for each Collection Reference Interaction Reference combination oa ORACLE View Collection Details Asset Reference Current Collection Reference Collections List 1010 Collection Reference External Reference Interaction Sequence Number Record Date Record Origin Processing Stage PTP Associat Events 1010 Event Code Description Event Date Maker ID Checker Id PTP Details 1010 Collection Reference Interaction Sequence Asset Reference PTP Amount PTP Date Amount Paid PTP Status lt Interaction Details The following details are displayed e Asset Reference e Current Collection Reference Collections List e Collection Refe
8. Possible Next Actions 1010 Serial Number Action Code Result Code Next Action Code Next Action Description Maker Date Time Mod No Checker Record Status 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 id 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 Select Delete from the Actions menu in the Application tool bar or click delete icon 3 1 8 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 ca
9. 5 17 5 7 VIEWING THE SUMMARY OF REMINDER MESSAGE nnne entr nnn nnne 5 20 5 8 OPERATIONS ON REMINDER MESSAGE RECORD cesses 5 21 5 9 CHANGING COLLECTION QUEUE FOR LOANS 5 22 5 10 VIEWING THE SUMMARY OF COLLECTION QUEUE CHANGE DETAILS esee 5 24 5 11 OPERATIONS ON COLLECTION QUEUE CHANGE FOR LOANS nennen 5 25 5 12 REVERSING BROKEN PROMISE FEE 5 26 5 13 VIEWING THE SUMMARY OF REVERSAL OF BROKEN FEE RECORD cene ennt nnn 5 27 5 14 PROCESSING COLLECTION INTERACTION 0 0 5 5 28 5 15 ACTIVITIES FOR THE DAY cccescccccessesssssseceseceeseseseeecececseseseeceeececsenseassecececeeseaaeseeececeensuasseseeeeeeneaeaeeeeess 5 29 5 16 ASSIGNING COLLECTION AGENT FOR A LOAN ccccccsscccecsessseseeececsenseaesecececsesesaeseeececsessaeseseeeeeenennaeteeees 5 31 5 16 1 Component Wise Balance esee enne 5 34 5 16 2 Processing Collection Agent Fee esses 5 34 5 17 VIEWING THE SUMMARY OF COLLECTION AGENT ASSIGNMENT RECORD eene nennen 5 35 5 18 OPERATIONS ON COLLECTION AGENT ASSIGNMENT RECORD scssssssssececeesessecececeesessaeses
10. 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 CNDINAPQ 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 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
11. Checker Date Time 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 3 1 5 Viewing the Summary of Collection Result Codes You can view the summary of collection result in the Summary Result code screen 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 i ORACLE Result codes Authorization Status Record Status E Result Code a Description Advanced Search Records per page 15 1 4 Authorization Status Record Status Result Code Description E E To view the summary of result codes perform a search based of the following Authorisation Status Select the authorisation status of the result code as 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 Descrip
12. photographic graphic optic recording or otherwise translated in any language or computer language without the prior written permission of Oracle Financial Services Software Limited Due care has been taken to make this document and accompanying software package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Services Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial Services Software Limited to notify any person of such revision or changes All company and product names are trademarks of the respective companies with which they are associated
13. Action Date Result of Action Result Date Next Action Next Action Date Delinquency Reason Total PTP Amount Hour v Comments Minutes Customer Email Media for Communication Interaction Place Customer Mobile Number Asset Details Maker Date Time Checker Date Time Contract Status Authorization Status 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 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 uim ORACLE 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 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
14. 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 change 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 ORACLE Queue Assignment Pending Queue Branch Batch Processing Date Collections Product B List Exceptions Only Asset Product o List Queue Changes Only Asset Reference Collection Reference Header Bulk Reference Comments Process Exceptions 1010 Asset Reference Collection Reference Queue Assigned Collection Agent Group assigned Collection Agent Assigned Exception Code Reiect New Queues Maker ID Checker Id Authorization Status 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 t
15. 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 3 1 3 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 Refer to the manual on Common Procedures for details of these operations 3 1 4 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 during the action as per the result xis ORACLE 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 Result Code Description Maker Date Time
16. Description 1 Agent 1 Agent identification number 2 Branch Code Code of the branch 3 Collection Reference Reference number of the collection contract Number 4 Asset Reference Reference number of the asset Number 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 scheduled to initiate vM ORACLE 8 8 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 top right corner of the Application tool bar and clicking the adjoining arrow button Cash recepits by Collector Daily and month to date Agent Id From Date To Date Report Format Printer At Report Output 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
17. EE E E E pe e ER TRES 3 22 3 1 20 Viewing the Summary of PIP Policy eese eene teeth nennen rennen nnne 3 23 3 121 Operations On PCP POUCH sioe en pop Dre rte HR WT E TEE PIECE ON E NT T enSa 3 25 4 PRODUCT MAINTENANCES AND PROD UCT eeeeeeeeee senatus esa 4 1 4 JINIRODUCTION iieeRGRRSDHERISO RH ERE HR ERIS PURSE RE AHA Hi AA ews SS 4 1 4 2 MAINTAINING COLLECTION PRODUCTS eene nenne ee nen nennen nennen nnne 4 1 4 2 1 Preferences Tap E n EEA E E E ERE 4 3 4 2 2 Accoutiting Roles dance E 4 4 4 2 3 Events Tab 4 4 4 2 4 Charges X 4 5 4 2 5 MIS 4 5 4 2 6 Viewing the Summary of Collection Products eee 4 5 4 3 MAPPING OF COLLECTION STATE TO A nee eene nne nennen nennen 4 7 44 VIEWING THE SUMMARY OF COLLECTION STATE TO A PRODUCT sss 4 9 4 5 COLLECTION QUEUE DERIVATION pite E eue eter eue Ladin Des Ove Sexy ds 4 10 4 6 VIEWING THE SUMMARY OF COLLECTION QUEUE DERIVATION cessere nennen enne nnns 4 13 ORACLE 4 ASSIGNING EXCEPTIONAL QUEUES 2 4 14 4 8 VIEWI
18. 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 Header Sr No Field Name Field Description 1 Asset Reference Reference number of the asset Number e ORACLE 8 7 2 Branch Code Code of the branch Body of the Report Sr No Field Name Field Description 1 Customer No Customer identification number 2 Collection Reference Reference number of the collection contract Number 3 Interaction Reference Reference number to identify the interaction Number 4 Agent Code Agent identification number 5 Action Code Code of the action performed 6 Action Result Result of the action initiated 7 Action Date Date on which the action was initiated 8 Collection Agent Id Agent identification number 9 Next Action Next action after the result 10 Next Action Date Date on which the next action has been scheduled to initiate 11 Queue 1 Name of the queue to which the collection belong to 12 Media of Mode of communication Communication 13 Payment Amount Total due to be paid 14 Payment Date Date on which payment was made This
19. 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 im 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 8 1 Contents of the Report Header Sr No Field Name Field Description 1 Agent name Name of the agent 2 From Date Report start date 3 To Date Report end date Body of the Report Sr No Field Name Field Description 1 Collection Reference Reference number of the collection contract Number 2 Asset Reference Reference number of the asset Number 3 Branch Code Code of the branch 4 Value Date of Payment Amount paid date 5 Payment Amount Total amount paid 6 Currency of Payment Payment currency This report is generated manually ore ORACLE 8 9 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 rig
20. 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 wen ORACLE 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 3 1 18 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 Hefer to the manual on Common Procedures for details of these operations el ORACLE 3 1 19 Maintaining 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 Pay policy for every Collection Agent Group in the system You can invoke this screen by typing CNDPTPPO in
21. and clicking on the adjoining arrow button Collection interactions Collection Reference Interaction Sequence Number Customer Action Code Collection Agent Advanced Search Records per page 15 z 1 Of 1 Collection Reference Interaction Sequence Number Customer Action Code Collection Agent Agency Name cE To view the summary of collection interaction record you can perform a search based on any of the following 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 aie ORACLE 5 5 5 6 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 Operations on Collection Interaction Record You can perform the following operations on collection interaction record if any functio
22. 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 Customer 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 a ORACLE 5 10 New Collection Queue Specify the new assign queue to the each asset retrieved The event CQAS Collection Queue assignment is fired for all the Collection contracts listed 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
23. 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 Collection Interaction Details e Loans under Collection Process Note that for some of the reports you do not have to make any specifications For such reports there is no Report Options screen Collection Interaction Details The collection interaction detail reports all the details of a customer interaction for a particular Collection Agent You can perform a query based on the following fields e Customer ID e Product e Collection Agent e Loan Reference Number e Collection Status The report displays the following fields e Collection Agent e Loan Reference number e Collection Status e Customer ID e Customer Name e Interaction Reference e Action Code ORACLE 8 3 8 3 1 8 4 e Interaction Date Time e Result Code e Result Date e Next Action Code e Next Action Date e PTP amount e Comments 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 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 Age
24. 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 e Generation Mode e Message Date e DCN e Message Sequence 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 d ORACLE 5 9 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 New Queue Change Comments Re
25. 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 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
26. is validated while saving the queue change 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 din ORACLE 5 11 Collection Queue Change Queue Change Reference 2i Comments Advanced Search Records per page 15 106 1 Queue Change Reference Comments E E E 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 Operations on Collection Queue change for Loans Record 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 m ORACLE e Create and save new record e Authorize the record e Delete the re
27. of action is PTP Comments Specify the comments related to the interaction you have recorded if any ui ORACLE 5 3 3 Promise to Pay Details Tab Click Promise to Pay Details Tab to view the PTP details Collection Interactions New tea Enter Query Collection Reference Interaction Sequence Number Collection Agent Agency Name Customer Customer Name External Reference Record Origin Manual Processing Stage initiated Record Date Source Code Interaction Sub Sequence number Asset Interaction Details Legal Proceedings PTP Details I4 4 1070 gt Currency PTP Amount PTP Date Amount Paid PTP Status PTP charge oO Pending lt Asset Details Maker Date Time Checker Date Time Contract Status Authorization Status The following details of promise to pay are displayed here e Currency The currency in which the customer has promised to pay e Amount The amount which customer has promised to pay e Date The date on which the amount will be paid e Amount Paid Actual Amount paid by the customer e Status The status of as on date e Charge The PTP Charge calculated by the system This record is processed on next action date specified during the interaction cnms Collection reminder message diary event gets fired in the underlying Collection Reference during BOD batch run zs ORACLE 5 3 4 Legal Proceedings Tab Click Legal Proceed
28. of these operations 3 1 13 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 eae ORACLE 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 Collection State Description Maker Date Time Checker Date Time 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 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 EOD batch process system changes the collection state as per the mapping maintenance for the collection state 3 1 14 Viewing the Summary of Collection States Codes You can view the summary of collection
29. states the Summary collection state code screen pie ORACLE 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 Collection States Authorization Status z Record Status z Collection State a Description Advanced Search Records per page 15 1 Of 1 Authorization Status Record Status Collection State Description E l E To view the summary of collection states you can perform a search based 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 18 ORACLE 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 Authorisation Status Record Status Collection state Description 3 1 15 Operations on Collection State Maintenance Record You can perform the following operations on collection state maintenance record if any function under the Actions Menu is disabled it means that the function is not allowed for
30. the record Amend the details of the record Authorize the record Copy the details of a record on to a new record Close the record Reopen the closed record Print the details of a record Delete the record Refer to the manual on Common Procedures for details of these operations 3 1 16 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 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 T ORACLE Collection Agent Groups New Collection Agent Group Description Collections Assigned Valid Queues Collection Agents i 100 gt M 1017 I Queue Id Description d Serial Number Agent Id Descriptio 0 n 0 Date Time Checker Date Time Record Status Authorization Status You can maintain the collection group and map the valid queues to the group Collection Agent Group Specify a collection group code you are maintaining for a particular group of collection agents This code 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 gr
31. Advices for collection module are listed here Chapter 8 Reports Reports provide a list of reports that can be generated in this module and also explains their contents 1 4 Related Documents You may need to refer to any or all of the User Manuals while working on the Collections CN module CL Leasing Mortgage Procedures 1 5 Conventions Used in this Manual 1 6 Important information is preceded with the symbol Glossary of Icons This User Manual may refer to all or some of the following icons Pe 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 collecting 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
32. Collections Oracle FLEXCUBE Universal Banking Release 12 0 May 2012 Oracle Part Number E51527 01 ORACLE FINANCIAL SERVICES ORACLE Collections Table of Contents 1 ABOUT THIS MANUAL p H 1 1 LI GIN FRODUCTION ce teva 1 1 2 ATON me efe hee e vias Ee ee 1 1 Ved ORGANIZATION PP 1 1 LA RELATO DOCUMENTS 5 teeth hr tees erdt pee uns 1 2 1 5 CONVENTIONS USED IN THIS MANUAL 1 2 1 6 GLOSSARY OF ICONS EAE 1 2 2 COLLECTIONS AN OVERVIEW ccsccsssscssscssssscsscscsssssssssscsnsesessssssssssesessssseesesssssessssssesssssessessessesees 2 1 2 INTRODUCTION EHE ELE EELE VENERE HE EGEE THEE CE SHEER VERR E 2 1 2 1 1 Processing COMCCHONS iei cite ie DR aA EE ET EE A es 2 1 2 1 2 Collection Process flow Diagrami RT Htec re i E EE IRIURE 2 3 3 MAINTENANCES AND 5 satus tasa 3 1 1 INTRODUCTION eese EEE HERE hien EROR 3 1 3 1 1 Maintaining Collection Action Codes eese eerte ener nre 3 1 3 1 2 Viewing the Summary of Collection Action Codes essere 3 3 3 1 3 Operations on Acti
33. 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 e Schedule Date Payment schedule date for the asset including all components e Amount Due Payment due amount e Amount Settled Amount paid e Amount Overdue Overdue payment for the asset System displays the payment details of individual components in Asset Payment Details section e Component Name Individual component in the asset e Amount Due Payment due amount e Amount Settled Amount paid e Amount Overdue Overdue payment for the asset e 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 id ORACLE Collection Interaction History Details Asset Reference Interaction Details 1010 Interaction Reference Interaction Date Result Next Action System displays the following details here e Asset Reference e Branch System displays the interaction history of the selected asset in Interaction Details section e Interaction Reference Reference number to identify the interaction e Interact
34. ER CREE MEE MAE EE HERE re A Re Ere da 6 11 8 8 CASH RECEIPTS BY COLLECTOR DAILY AND MONTH TO DATE sssssssececeesesseceeececeessssesecceeceesenseaeeeeees 8 12 6 8 1 Contenis of the Report eet ehe rre et PR enr bid ss EL rotor e Ere 6 13 8 9 CUSTOMER AGING REPORT BY COLLECTOR AGENT eene nennen enne nennen rennen nennen nnns 8 14 8 9 1 Contents Of the Report tee t aee eret Lee rhet e t PR ee bi e ss 6 15 8 10 CONTACTS RESULTS AND TICKLES BY COLLECTOR AGENT SUMMERY cessere 8 16 6 10 1 Contents of the Report e ette ee t Er eee e erat Re eI eei e peer tete rem oe niei 6 17 8 11 CONTACTS RESULTS AND TICKLES BY COLLECTOR AGENT DETAILED REPORT eene 8 18 S I Contentsof the Report sis Hu Re eerie e E LEES EE EHE ER 6 19 8 12 FEE LIQUIDATED TO COLLECTION AGENT ccssccccccccecsesssceceeeceesesseaececececeesneaecesececeessaaeeeeeceeseseaaeceeececeene 8 20 86 421 Contents of the Report us HR e Ripe re 6 21 LEE Le DNECISONNT S M pois osis 9 1 9 1 FUNCTION ID LIST RR 9 1 ORACLE 1 About this Manual 1 1 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 tra
35. ID 105 CHARACTER Email ID of the Customer 21 CUSTOMER MOBILE 20 CHARACTER Mobile number of the Customer 6 2 3 2 Asset Details Upload You can upload the Asset Details using the following fields in an ASCII file The upload is through Generic Interface module Field Name Length Type Description SOURCE CODE 15 CHARACTER Source code to identify the External System ASSET REFERENCE 35 CHARACTER Reference number used to identify the Asset at the source PRODUCT 4 CHARACTER If there is something like a product code in the external system COUNTERPARTY 9 CHARACTER Counterparty id for the Asset CUST CATEGORY 10 CHARACTER Customer Category CUST GROUP 10 CHARACTER Customer Group CUST CRDT RATING 10 CHARACTER Customer Credit Rating CUST STATUS 4 CHARACTER Customer Level status ASSET BOOKING DATE 11 DATE Booking date of the Asset ASSET VALUE DATE 11 DATE Value Date of the Asset ASSET MATURITY DATE 11 DATE Maturity Date of the Asset SETTLEMENT ACC 20 CHARACTER Settlement Account number SETTLEMENT ACC BHRN 3 CHARACTER Branch where the Settlement Account is available 6 5 ORACLE Field Length Type Description CUST_CHARGE_GROUP 10 CHARACTER Customer Charge Group ASSET_OUTSTANDING 22 NUMBER Outstanding Principal Amount of the Asset ASSET_PRI
36. NC_DUE 22 NUMBER Due amount for the Principal ASSET OTHER DUE 22 NUMBER Due amount for the other components ASSET CCY 3 CHARACTER Currency of the Asset ASSET BRN 3 CHARACTER Asset branch ASSET BHN LCY 3 CHARACTER Local Currency of the asset branch ASSET TOTAL OVD 22 NUMBER Total Overdue amount for the Asset ASSET SCH OVD 3 NUMBER Number of Schedules in Overdue status ASSET EARLIEST OVD 5 NUMBER Number of days by which the earliest schedule is overdue ASSET UDEF STATUS 4 CHARACTER User defined status Assigned to the Asset ASSET AMOUNT 22 NUMBER Asset Contract Amount USERDEF C1 35 CHARACTER User defined Character fields USERDEF C2 35 CHARACTER User defined Character fields USERDEF C3 35 CHARACTER User defined Character fields USERDEF C4 35 CHARACTER User defined Character fields USERDEF C5 35 CHARACTER User defined Character fields USERDEF C6 35 CHARACTER User defined Character fields USERDEF C7 35 CHARACTER User defined Character fields USERDEF C8 35 CHARACTER User defined Character fields USERDEF C9 35 CHARACTER User defined Character fields USERDEF C10 35 CHARACTER User defined Character fields USERDEF N1 22 NUMBER User Defined Number fields 6 6 ORACLE Field Length Type Description USERDEF_N2 22 NUMBER User Defined Number fields USERDEF_N3 22 NUMBER User Defined Number fields USERDEF_N4 22 NUMBER User Defined Number fields USERDEF
37. NG THE SUMMARY OF COLLECTION QUEUE ASSIGNMENT EXCEPTION eene 4 16 4 9 OPERATIONS ON QUEUE ASSIGNMENT EXCEPTION RECORD enne ener enne 4 17 COLLECTION CONTRACT ONDINE bisscacashcsssssteassasesesesssaccescecsssnsssenssconcsesoastensescnassoesossessdsnacsossenssevesadss 5 17 5 1 INTRODUCTION eee ede sedet ae epo Re EUREN 5 17 5 2 CAPTURING COLLECTION REFERENCE cc cccccessessssssecececeesesaececececsesseaeseceeeeseseaaeseseceesessaaeaeseeeceesenseaeeeeess 5 17 5 3 RECORDING CUSTOMER INTERACTIONS ccsccccecsssssseeceececsesuaececececeessnaeeesececsensaassesecseseseueaeseceeeeseseaanaeeees 5 5 5 3 1 5 7 5 3 2 Interaction Details Tab 5 11 5 3 3 Promise to Pay Details Tab cccccccscsesseesseceesceensecseneeesseceeeceescecseneeeaaeceseeeesaecseneeesaeceeeeeeaaeceeneeenaeeees 5 14 5 3 4 Legal Proceedings TOD eec ei tee E tayo 5 15 5 4 VIEWING THE SUMMARY OF INTERACTION RECORD ccscssscecececeessssscecececsenesececececeeneseseceeeceesesneaeeeeees 5 15 5 5 OPERATIONS ON COLLECTION INTERACTION RECORD scsssscsececeesessscecececeesessesececceseseseeecececeenenneaeeeeees 5 17 5 6 REMINDER CAPTURING DIARY MESSAGES cessere
38. Reference number of the collection contract Number 3 Collection Initiated Date Date on which the collection was initiated 4 Asset Reference Reference number of the asset Number 5 Asset Related Details Product code of the asset 6 No of Days Number of overdue days for the payment This report is generated manually idis ORACLE 8 10 Contacts Results and tickles by Collector Agent Summery This report displays the list of interactions which are initiated by the agent You can invoke this report screen by typing CNRINTSM 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 Printer At Report Output Printer You can specify the following preferences for generating the report Agent Name 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 TB 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
39. Select a valid result from the option list provided 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 Collection State Mapping Authorization Status Record Status Branch Source Code Product Advanced Search Records per page 15 Authorization Status Record Status Branch Source Code Product E E T9 ORACLE 4 5 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 s
40. 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 ids ORACLE 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 code 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 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
41. Total No of Schedules Overdue gets displayed e Noof 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 ORACLE e Principal Overdue Total principal overdue payment 5 3 1 1 Viewing Collection Asset Details Click Asset Details to invoke the Collection Asset Details screen Collections Asset Details Asset Reference Number Asset Details Customer Id Asset Product Asset Amount Asset Booking Date Asset Value Date Due Details 10710 Component Name n Total Amount Due Due Details As of Date Asset Details Asset Currency Asset Currency Asset Maturity Date Earliest Due Date You can view the asset details here 5 3 1 2 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 ze ORACLE Asset Payment History Asset Reference Number Branch Code Currency Code Asset Payment Summary 10107 Schedule No Schedule Date Amount Due Amount Settled Amount Overdue Asset Payment Details 1017 Component Name Amount
42. _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 22 NUMBER User Defined Number fields USERDEF N9 22 NUMBER User Defined Number 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 Length Type Description SOURCE_CODE 15 CHARACTER Source code to identify the External system ASSET_REFERENCE 35 CHARACTER Reference number used to identify the Asset at the source 6 7 ORACLE Field Length Type Description PAYMENT_ESN 4 NUMBER Event Sequence number for the payment PAYMENT AMOUNT 22 NUMBER Payment Amount PAYMENT_CCY 3 CHARACTER Payment Currency PAYMENT_DATE 11 CHARACTER Date of payment COLLECTION_AGNT 9 CHARACTER Collection Agent ID associated wit
43. al 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 vis ORACLE 5 7 Viewing the Summary of Reminder Message Record You 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 Authorization Status Record Status Collection Reference E Collection Agent Message Date Records per page 15 30r 4 Authorization Status Record Status Collection Reference Collection Agent Generation Mode Message Date pl E To view the summary of collection reminder message you can perform a search based 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 we ORACLE 5 8
44. ated Generation Mode Automatic Media Maker Date Time Checker Date Time 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 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 reference 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 one ORACLE 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 Addition
45. ck the collection process after the particular loan is delinquent You can obtain information specific to a particular field by placing the cursor on the relevant field and striking lt F1 gt on the keyboard 1 2 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 Managers Generation of reports 13 Organization This manual is organized into the following chapters Chapter 1 About this Manual gives information on the intended audience It also lists the various chapters covered in this User Manual Chapter 2 Collections An Overview is a snapshot of the features that the module provides Chapter 3 Collection Maintenance explains at length how to maintain the details of the collection queue in Oracle FLEXCUBE Chapter 4 Product Products describes the procedure to define attributes specific to collections product in Oracle FLEXCUBE Chapter 5 Contract Contract describes the processing of collections module Chapter 6 Batch Processing Different phases of batch processing is covered in this ORACLE 7 Annexure Accounting Entries and
46. cord e Query the details of record Refer to the manual on Common Procedures for details of these operations 5 12 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 Broken Promise Fee Reversal Collection Reference Fee Date Asset Reference Fee ESN Customer Fee Details Currency Fee Amount Fee Status Fee Rule Reversal ESN Revaluation Date Maker 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 i ORACLE e Fee Date 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 r
47. cription e Start Date e End Date Mapping 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 d ORACLE Collection State Mapping Branch Product Source Code Rule 10710 M 521 Serial Number Previous State Result New State Maker Date Time Checker Date Time 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 8 ORACLE 4 4 Result
48. ds e Authorization Status e UserID 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 ie ORACLE 5 21 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 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 Plan Activity Query 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 BP ador Minimum Overdue Days Quer Overdue Assets Under Collections 1010 Asset Reference Latest Collection Reference Currency Principal Overdue Interest Overdue Total C View Collection Details View Asset Details You can perform the query here Query Specify the following details to perform query Branch
49. e details required for the SDE s mentioned under the Queue derivation logic are extracted and made available for further processing 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 TE ORACLE System checks for collection records which 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 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 collection will be closed 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 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 th
50. e same collection agent 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 Based on the State mapping maintenance collection state change happens during the batch process 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 6 2 3 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 6 2 3 1 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 SI Column Name Width Type Description No 1 COLLECTION REF 16 CHARACTER This will identify the c
51. ecsceesensnaeseeees 5 36 5 19 RESTRICTING USER AGENT ACCESS ccccccccssessseeecececessesaeceeececsesesesecececeesenaesecececsensaasseseesceeseneaeeeeess 5 36 5 20 VIEWING USER AGENT DETAILS ccccsccccceceesesssseeecececcesceeceeececsesaaesecececeeseaaesesececsensaaesesececeesesnaeseeees 5 38 5 21 VIEWING THE PLAN ACTIVITY cccccccecsessscecececeeseseseeecececseseaaeseeececsesaaeeecececeeseaaeseeecessessaaeseseceecenenseaeeeeess 5 39 5 22 VIEWING COLLECTION AGENT DASHBOARD cssssssscececssssseeceeececsenseaesecececeeseaassecececsessaaeseseeeceenenseaeteeess 5 44 BATCH PROCESSING ssccsssssscetscvastecscesnsccssuncsvescseceecastacsecceuessevscesssessedecessacvescevaduasesceseasssvactscsccscesosusasvsseevsanes 6 1 6 1 INTRODUCTION nsns 6 1 6 2 BATCH PROCESS FLOWCHART ccccccecsesessscececececsesesececececsesseaeceeececseaaeceeececsensaaeceeececseseaeaeeececeesenseaeeeeess 6 1 6 2 1 Extraction of Data from Loans sees eene enne tene iaei entren eren ense ener 6 2 6 2 2 PROCESSING Colection E ae oe aR EAE T ER i E AE 6 2 6 2 3 Uploading the Collection Details esee eere eene nennen rennen rennen eere 6 3 ANNEXURE EVENTS AND ADVICES FOR COLLECTIONS scssscssssscssscessssssscssssssssssessessseses 7 1 7 1 COLLECTION EVENTS E UAE EE e Pee E RE ee RETE PNE 7 1 7 1 1 POV ICES
52. ections online screen are given below e You can create new Collection Reference Number ORACLE e Amend the parameters Allow Manual collection Agent assignment and Allow Manual Queue Assignment and Auto Closure e Close a Collection Record Fire CLOS click of Close button event against the collection reference 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 New Product n 4 gt Collection Reference Latest Event Parent Collection Ref No Asset Reference ESN B Source Code Collection Creation Date Allow Manual collection Agent Assignment Allow Manual Queue Collection Agent Assignment Counterparty Queue Id Auto Closure State Asset Details Asset Amount Asset User Defined Status Asset Currency Customer Status Asset Outstanding Principal Customer Category Asset Total Overdue Customer Credit Rating Total No of Asset Schedules Overdue View Parent Child Collections Maker ID Authorized By Contract Status Authorization Status Date Time Date Time Collection reference number is generated by the system Product Wait for Child Collection to Close Select a valid collection product for which you
53. ed 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 3 1 16 1 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 Collection agent for the new loan collection agent with the maximum Allotted percentage Used percentage 3 1 17 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 ms ORACLE Collection Agent Groups Authorization Status Record Status E Collection Agent Group Description Advanced Search Records per page 15 1 Of 1 Authorization Status Record Status Collection Agent Group Description m z M To view the summary of agent group codes you can perform a search based on any of the following Authorisation
54. ency Reasons CNDINAPQ Interaction Approval Queue CNDONONL Collections Online CNDPRMNT Collections Product CNDPTPPO Promise To Pay Policy CNDQRULE Queue Derivation Rule CNDRESLT Result codes CNDSTMAP Collection State Mapping CNSACTCD Action Codes CNSASGNQ Queue Assignment Pending Queue 9 1 ORACLE Function ID Function Description CNSAXRSN Action Result Next Action Mapping CNSBPFEE Broken Promise Fee Reversal Summary CNSCAASG Agent Assignment CNSCAGRP Collection Agent Groups CNSCLDRY Collection Reminder Messages CNSCLNST Collection States CNSCNQCH Collection Queue Change CNSCOLIN Collection Interactions CNSDLQRS Delinquency Reasons CNSPRMNT Collections Product CNSPTPPO Promise To Pay Policy CNSQRULE Queue Derivation Rule CNSRESLT Result codes CNSSTMAP Collection State Mapping ORACLE ORACLE Collections May 2012 Version 12 0 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www oracle com financial_services Copyright 2012 Oracle Financial Services Software Limited All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechanical
55. eversed the reversal event sequence number and the date of reversal gets defaulted 5 13 Viewing the Summary of Reversal of Broken Fee Record 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 d ORACLE Broken Promise Fee Reversal Summary n Collection Reference a Fee ESN a Records per page 15 1 0f 1 Collection Reference Fee ESN Fee Status Reversal ESN E r r r r r r r r r r r r r r r X E LLL LL LLLLIQQTTTPSBIRTILT 1h XZXLLLLLLTZAOOO AAmDO OOo oOeo ooeAUMd D Fs 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 5 14 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 oe ORACLE e Interactions generated by t
56. ew 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 report contains the following details Header Sr No Field Name Field Description 1 Agent Name Name of the agent for whom the report is generated 2 Agent ID Agent identification number 3 Agent Group Group to which the agent belongs 4 Date Body of the Report Sr No Field Name Field Description 1 Asset Reference Number Reference number of the asset 2 Collection Reference Reference number of the collection contract Number 3 Collection Contract Status Status of the collection contract 4 Counterparty Name of the asset holder 5 Counterparty ID Counterparty identification number v ORACLE 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 Delinquency Analysis by Overdue Days 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 tool bar and clicking the adjoining arrow button
57. f the message is not linked to an existing interaction 15 PTP DATE Date by which the above amount will be COLL REMINDER paid Will be null if the message is not linked to an existing interaction 16 _TOTAL PTP AMT_ Total PTP amount COLL_REMINDER 7 2 ORACLE Sr Advice Tags Description Message Type No 17 _ASSET Total Amount outstanding for the Asset COLL REMINDER OUTSTANDING 18 COLLECTION Collection Reference associated with COLL REMINDER REF _ this message 19 _COLLECTION Collection State COLL_REMINDER STATE_ 20 COLLECTION Q _ Collection Queue COLL REMINDER 21 PTP CHG PTP Charge calculated COLL REMINDER 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 2 Queue Change reference Generation ZCBK Bulk reference used in the two queue screens ve ORACLE 8 1 8 2 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
58. fer 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 T9 ORACLE 4 2 4 4 2 5 4 2 6 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 collection products in the Summary Collection Product Codes screen
59. ference Source Code Query Asset Reference Customer Id Collection Queue Product Minimum Total Amount Minimum Overdue Days Over Due Minimum Over Due Schedules Customer Credit Rating Customer Category Query Currency Account Status Apply to All New Collection Queue Queue Change 1010 Asset Reference Collection Reference Number Current Collection Queue New Collection Queue Maker Checker Contract Status Authorization Status Date Time Date Time For every manual collection queue change a unique queue change reference number will be generated with the maker id checker id details stored against each such reference number 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 5 ORACLE 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
60. h the Payment REVERSAL ESN 4 NUMBER The ESN of the Reversal of payment REVERSAL DATE 11 CHARACTER Date on which the reversal happened PAYMENT STATUS 1 CHARACTER A for Active R for Reversed Refer Generic Interface user manual for more details on upload functionality 6 8 ORACLE Events and Advices for Collections 7 1 Collection Events The following is an exhaustive list of events that can take place during the lifecycle of Collection module Sr No Event Code Description New 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 N 10 CAMD Collection amendment Y 11 CIAM Collection Interaction Amendment 12 CLOS Collection Closure N 13 CLST Collection State Change N 14 INIT Collection Initiation Y 7 1 1 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 REMINDER Collection Reminder Message The following Ad
61. he action initiated 11 Next Action Next action after the result 12 Next Action Date Date on which the next action has been scheduled to initiate 13 PTP Amount Amount promised to pay This report is generated manually 8 19 ORACLE 8 12 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 Collection Agent Fee Liquidation Branch Code From Date To Date Report Format Printer At Report Output 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 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 Te 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 printer location from the adjoining drop down list You can select one of the following e C
62. he batch process on next action date of the previously executed interactions that requires approval e 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 Branch Stage Initiated Interaction Reference Record Origin Manual Input Product Reference Action Code Asset Reference Header Bulk Reference Comments Approval Queue Details 1010 gt AEE Interaction Reference Product Reference Asset Reference Stage Action Code Record C Initiated Manual Inpt Bulk Approval Reiect 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 5 15 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 ae ORACLE Activities for the Day Agent Id Collection Contract Asset Contract Agent Name Source 1010 Asset Reference Number Collection Reference Number Counterparty Name Counterparty Currency Principal Overdue Conversation Capture Details
63. he option available to perform query based on this Asset Product Specify the asset product code to perform query based on this 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 ORACLE 4 8 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 Assignment 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 the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Queue Assignment Pending Queue Bulk Reference 2 Advanced Search Records per page 15 20b 1 Bulk Reference Comments m z
64. ht corner of the Application tool bar and clicking the adjoining arrow button Customer Aging ByCollector user defined aging segment Agent Name From Date No of Days Report Format Printer At Report Output Printer 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 report You can select one of the following e HTML e RTF e PDF e Excel TuS 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 9 1 Contents of the Report Header Sr No Field Name Field Description 1 Agent name Name of the agent for whom the report is generated 2 From Date Report start date Body of the Report Sr No Field Name Field Description 1 Customer Id Customer identification number 2 Collection Reference
65. ing on the adjoining arrow button Collection Agent Assignment New Assignment Reference Comments Customer Id Product Collection Reference Asset Reference Asset Amount From Collection State Collection Agent Group 2 Apply to All Collection Agent Assignment I4 4 10710 Collection Reference number Asset Reference Component Wise Balance Details Maker Checker Authorization Status Contract Status Effective Date Minimum Total Amount Over Due Minimum Over Due Schedules Minimum Overdue Days Currency Asset Amount To Collection Agent Now New Collection Agent Total Amount Due Currency zz Collection Agent G Date Time Date Time 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 5 32 ORACLE 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 Collection Agent Group Specif
66. ings Tab to view the legal proceedings for the asset Collection interactions New Enter Query Collection Reference Interaction Sequence Number Collection Agent Agency Name Customer Customer Name External Reference Record Origin Manual Processing Stage initiated Record Date Source Code Interaction Sub Sequence number Asset Interaction Details Promise to Pay 10710 ILE Action Ref no Complaint Reference No Lawyers Name Location Date of Last Hearing lt Asset Details Maker Date Time Checker Date Time Contract Status Authorization Status 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 5 4 Viewing the Summary of Interaction Record You can view the summary of collection interaction record in the Summary interaction record screen aie ORACLE You can invoke this screen by typing CNSCOLIN the field at the top right corner of the Application tool bar
67. ion Date Date on which interaction has been initiated e Action Action performed on interaction date e Result Result of the action e Next Action Next action after the result e Next Action Date Date on which the next action has been scheduled to be initiate e Amount Amount promised to pay e PTP Date Date on which customer has promised to pay amount 5 3 1 4 Viewing Customer Contact Details Click Customer Contacts to invoke the Customer Address Details screen v ORACLE Customer Address Details Asset Reference Number Branch Code 1010 Customer No Location Media Authorization Status Record Status Detail System displays the following details here 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 ORACLE Collection Interactions New tea Enter Query Collection Reference Interaction Sequence Number Collection Agent Agency Name Customer Customer Name External Reference Record Origin Manual v Processing Stage initiated v Record Date Source Code Interaction Sub Sequence number Asset Promise to Pay Legal Proceedings Action Code
68. is CNDREMSG Closure of pending interaction and cancellation of pending reminders happens later and thus the collection interaction is marked as closed ORACLE 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 ae ORACLE 2 1 2 Collection Process flow Diagram The entire process of collection is represented in the below flow chart The collection process are described more clearly in the rest of the chapters a 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 available 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 i
69. is screen by typing CNSCAASG in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Agent Assignment Assignment Reference a No of Records Asset Type a Effective Date Advanced Search Records per page 15 1 Or 1 Assignment Reference No of Records Asset Type Effective Date Authorization Status Contract Status Maker m E 2 E Assignment Reference Select assignment reference number from the options available Maker Select a valid maker id of the record from the options available Effective Date Select a valid date from the calendar option from available eee ORACLE 5 18 5 19 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
70. isplayed 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 Manual Collection Agent and Queue assignment are not applicable when an exception is being processed from the Queue Assignment Pending Queue screen CNDASGNQ is ORACLE 4 2 2 4 2 3 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 Accounting Roles Tab For further details on accounting role re
71. lient e Server Printer Specify the path of the printer if you want to print the report 8 12 1 Contents of the Report Header Sr No Field Name Field Description 1 Branch Code Code of the branch Body of the Report Sr No Field Name Field Description 1 Branch Code Code of the branch 2 Agent 1 Agent identification number 3 Collection Reference Reference number of the collection contract Number 4 Asset Reference Reference number of the asset Number 5 Liquidation Reference Reference number of liquidation of the asset Number 6 Liquidated Date Adte on which the asset was liquidated 7 Currency Currency of the asset 8 Amount Total due to be paid This report is generated manually ee ORACLE 9 1 Function ID List 9 Screen Glossary The following table lists the function id and the function description of the screens covered as part of this User Manual Function ID Function Description CNDACTCD Action Codes CNDASGNQ Queue Assignment Pending Queue CNDAXRSN Action Result Next Action Mapping CNDBPFEE Broken Promise Fee Reversal CNDCAASG Collection Agent Assignment CNDCADSH Plan Activity CNDCAGRP Collection Agent Groups CNDCLDRY Collection Reminder Messages CNDCLNST Collection States CNDCNQCH Collection Queue Change CNDCOLIN Collection Interactions CNDDLQRS Delinqu
72. maintained The products of the selected module appear in the list of values T ORACLE 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 Accent Clear Condition 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 TUE ORACLE Click Accept to select the criterion specified here which will be assigned for queue derivation 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 a
73. mental 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 Qm 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 24 ORACLE 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 Action Codes Authorization Status Record Status Action Code ai Description Advanced Search Records per page 15 1 Of 1 Authorization Status Record Status Action Code Description Approval Required E M 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 Authorised 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 T4 ORACLE Description Select a valid description from the list of options available
74. n 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 Component Wise Balance Details Asset Reference Customer Id Customer Name Component Wise Balance Details 10f10 Component Name Total Amount Due Earliest Schedule Due 5 16 2 Processing Collection Agent Fee In the intermediary module total liquidated amount paid as 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_COLLECTED_AMT This SDE will return the sum of the amount collected by the intermediary collection agent LOAN COLL REV AMT This SDE will return the sum of the reversed amount which was collected by the intermediary collection agent but reversed SEM ORACLE Refer intermediary module to know more details on collection agent fee definition fee reversal and liquidation 5 17 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 th
75. n 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 Action Result Next Action Mapping Authorization Status Record Status Queue Id ai Advanced Search Records per page 15 1071 Authorization Status Record Status Queue Id s To view the summary of action result next action you can perform a search based on any of the following iv ORACLE 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 e Record Status e Queue ID 3 1 9 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 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
76. n 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 T ORACLE Action Codes I Enter Query Action Code Approval Required Description Approvers Allowed 10f Serial Number Approverid Name 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 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 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 n ORACLE The name of the approver gets displayed when you select the approver When you save the action code system assigns serial incre
77. n 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 Hefer 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 from 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 TH ORACLE 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 Collection Reminder Messages New 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 Gener
78. nt Name e Loan Reference number e Collection Status e Loan Status e Customer ID 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 adjoining arrow button im ORACLE Activity Report Agent Id Agent Name Agent Group Code Date Collection Contract Status Report Format DF Printer At Report Output 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 Specify the agent s name for whom the report is generated Agent Group Name Specify the group name 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 ids ORACLE 8 4 1 Report Output Select the mode of output from the adjoining drop down list You can select one of the following e Print e Vi
79. of the following e Client e Server Printer Specify the path of the printer if you want to print the report 8 10 1 Contents of the Report Header Sr No Field Name Field Description 1 Agent name Name of the agent for whom the report id generated 2 From Date Report start date 3 To Date Report end date 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 Reference number of the asset Number 4 Customer Id Customer Identification number 5 Collection Reference Reference number of the collection contract Number 6 Collection Initiated Date Date on which the collection was initiated 7 Asset Reference Reference number of the asset 8 17 ORACLE Number 8 Asset Related Details Asset product code This report is generated manually 8 11 Contacts Results and tickles by Collector Agent Detailed 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 amp Contact results and tickles by Collector Agent detailed Report Agent Name From Date To Date Report Format Prin
80. ollection 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 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 system 59 ORACLE 5 3 1 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
81. ollection in the System os ORACLE SI Column Name Width Type Description No 2 SOURCE CODE 15 CHARACTER This will identify the External system who is sending in the details 3 COLLECTION AGENT ID 15 CHARACTER Identifies the a Valid Collection Agent defined in the System 4 ASSET REFERENCE NUMBER 35 CHARACTER Valid Loan reference in the System 5 LOAN BRANCH 35 CHARACTER The Branch in which the Loan was issued 6 ACTION CODE 20 CHARACTER Valid Follow up mode defined in the System 7 ACTION DATE 11 DATE 8 RESULT CODE 20 CHARACTER Valid Result code in the System 9 RESULT DATE 11 DATE 10 NEXT ACTION CODE 20 CHARACTER 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 Currency 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 CHARACTER Media for Message Generation 15 INTERACTION DETAILS 2000 CHARACTER The Details of the conversation 16 INTERACTION PLACE 35 CHARACTER Place of interaction if not phone 17 INTERACTION DATE 11 DATE Date of Interaction 6 4 ORACLE SI Column Name Width Type Description No 18 INTERACTION HR 2 NUMBER Hour 19 INTERACTION MIN 2 NUMBER Minute 20 CUSTOMER EMAIL
82. ollection 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 dis ORACLE You can invoke this screen by typing CNDCOLIN the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection interactions New 53 Enter Query Collection Reference Interaction Sequence Number Collection Agent Agency Name Customer Customer Name External Reference Record Origin Manual Processing Stage initiated Record Date Source Code Interaction Sub Sequence number Assa Interaction Details Promise to Pay Legal Proceedings Asset Branch Asset Reference Asset Currency Asset Amount Asset Outstanding Principal Asset User Defined Status Asset Total Overdue Total No of Asset Schedules Overdue No of Days Delinquent Interest Rate Collateral Type Maturity Date Interest Overdue Principal Overdue Asset Details Date Time Checker Date Time Contract Status Authorization Status You can record the interactions between the customer and the collection agent here The interaction sequence number is generated by the system C
83. on Code Maintenance Record esee eene tenentem 3 5 3 1 4 Maintaining Collection Result Codes esses nre 3 5 3 1 5 Viewing the Summary of Collection Result Codes essere 3 6 3 1 6 Operations on Result Code Maintenance Record eene 3 8 3 1 7 Maintaining Action Result and Next Action eese eene eene nennen nennen 3 8 3 1 8 Viewing the Summary of Action Result Next Action eese eene nennen eene 3 10 3 1 9 Operations on Action Result Next Action Maintenance Record seen 3 11 3 1 10 Maintaining Delinquency Reason eee eene nennen eene een 3 11 3 1 11 Viewing the Summary of Delinquency Reason Codes essen eene 3 12 3 1 12 Operations on Delinquency Reason Code Maintenance Record eee 3 14 3 1 13 Maintaining Collection States Code esee eene nennen eene rennen 3 14 3 1 14 Viewing the Summary of Collection States Codes sees 3 15 3 1 15 Operations on Collection State Maintenance Record eee 3 17 3 1 16 Maintaining Collection Agent Groups eese eene nennen nennen nennen nenne enne ener 3 17 3 1 17 Viewing the Summary of Collection Agent Group essere nennen 3 19 3 1 18 Operations on Agent Group Maintenance Record eese ene 3 21 BALD Maintaining PTP Policy cn tete etti et E EH HEN ER HEINE
84. oup 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 re ORACLE 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 allocated 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 defin
85. products and if any 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 For a 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 54 ORACLE 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 Collections Product Product Code Product Description Start Date End Date Slogan Remarks Accounting Roles Charges MIS Maker Date Time Checker Date Time Record Status Authorization Status You can maintain the basic information relating to collection product here P
86. r of the Application tool bar and clicking on the adjoining arrow button Collection Agent Dashboard Screen Branch Agent Group Code Agent Id Collection Agent Group Agent Name Plan Activity Activities for the Day Activity Report Interaction Approval Agent Reassignment Queue Assignment Agent Id Specify the identification number of the agent from the adjoining option list 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 ORACLE e Collection Agent Group The agent group description For further information on generic attributes about collection agent please refer the same user manual s ORACLE 6 1 6 2 6 Batch Processing 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 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 2 ORACLE 6 2 1 6 2 2 Automatic Processing Manual Processing End of Processing Extraction of Data from Loans Loan accounts with amount dues are extracted to CN Collection module While processing the data th
87. rd Status Delinquency Code 28 Description Records per page 15 1 01 Authorization Status Record Status Delinquency Code Description 2 E 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 oie ORACLE Click Search button to view the records based on criteria you have selected The following details of the record get displayed Authorisation Status Record Status Delinquency Code Description 3 1 12 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 Amend the details of the record Authorize the record Copy the details of a record on to a new record Close the record Reopen the closed record Print the details of a record Delete the record Refer to the manual on Common Procedures for details
88. rence e External Reference e Interaction Sequence Number e Record Date e Record Origin e Processing Stage e Associated Events e Event Code e Description ORACLE 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 Click View Asset Details to view the basic asset details View Asset Details Asset Reference Due Details As of Date Asset Details Asset Details Counterparty Name Asset Product Asset Currency Asset Amount Asset Maturity Date Asset Booking Date Asset Value Date Due Details 1010 Component Earliest Due Date Total amount Due 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 ORACLE Due Details The following due details are displayed here e Component e Earlier Due Date e Total Amount Due e Amount Paid 5 22 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 corne
89. report is generated manually 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 da ORACLE LZ 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 is ORACLE Printer Specify the path of the printer if you want to print the report 8 7 1 Contents of the Report Header Sr No Field Name Field Description 1 Branch Code Code of the branch 2 Agent ID Agent identification number Body of the Report Sr No Field Name Field
90. roduct 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 ORACLE 4 2 1 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 Preferences Product Code Allow Manual collection B Wait for Child Collection to Agent Assignment Close Allow Manual Queue Assignment Auto Closure Module Product Mapping 1010 Mod Id Description Product Code Description n The product code you specified for the product in the product definition screen gets d
91. t the top right corner of the Application tool bar and clicking on the adjoining arrow button Queue Derivation Rule Product Module Records per page 15 Authorization Status E E E OE ED NH E RRA NM E BOB 7 Authorization Status Record Status 28 Source Code Advanced Search Record Status Product Source Code Module E s 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 aha ORACLE 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 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
92. tate mapping Product Select a valid product code from the options available Product Description 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 ORACLE 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 Source Code Product Module Rule 100 O Rule Sequence Condition Rule Queue Name o Maker Date Time Checker Date Time 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 Cl 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 e MO e Cl Product Specify a product code for which the queue derivation logic has to be
93. tatus 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 mes ORACLE 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 Authorisation Status Record Status Collection Agent Group Minimum Percentage of Outstanding Maximum Promise to Pay Days Minimum Promise to Pay Days 3 1 21 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 Create and save the record Authorize the record Delete the record Query the details of the record Refer to the manual on Common Procedures for details of these operations em ORACLE 3 1 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
94. ter At Report Output Printer You can specify the following preferences for generating the report Collection Agent Id Select Specific if you want to generate the report for the specific collection agent Id Select All if you want to generate the report for the entire collection agent 105 Collection Agent Id Specify the collection agent Id from the adjoining option list if you want to generate the report for the specific agent Id Loan Reference Select Specific if you want to refer to the specific loan Select All if you want to refer to all the loans as ORACLE 8 11 1 Contents of the Report Header Sr No Field Name Field Description 1 Agent Name Name of the agent for whom the report is generated 2 From Date Report start date 3 To Date Report end date Body of the Report Sr No Field Name Field Description 1 Interaction Reference Reference number to identify the interaction Number 2 Asset Reference Reference number of the asset Number 3 Asset Currency Currency of the asset 4 Asset Amount Total asset amount 5 Customer Id Customer identification number 6 Collection Reference Reference number of the collection contract Number 7 Collection Initiated Date Date on which the collection was initiated 8 Action Initiated Action performed 9 Action Initiation Date Date on which the action was initiated 10 Result of Action Result of t
95. the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Promise To Pay Policy New 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 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 maintain the 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 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 See ORACLE 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 maintained here is violated an override message gets displayed Days Restriction You can maintain the restriction days for policy for this collec
96. the record Refer to the manual on Common Procedures for details of these operations 3 1 10 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 ORACLE 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 Delinquency Code Description Maker Date Time Checker Date Time 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 Description Specify a description for the delinquency code you are maintaining here You can a brief description in not more than 35 alphanumeric characters 3 1 11 Viewing the Summary of Delinquency Reason Codes You can view the summary of delinquency reason in the Summary delinquency reason code screen You can invoke this screen by typing CNSDLQRS in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button RUE ORACLE Delinquency Reasons Authorization Status Reco
97. 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 is ORACLE Customer Restrictions New User ID User Name Agent Restrictions I4 4 1015 gt MH Agent Id Agent Name Allowed Oo Change Log Maker Date Time Checker Date Time 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 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 e ORACLE 5 20 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 User Agent Summary Authorization Status Record Status UserID a Advanced Search Records per page 15 1 0f 1 Authorization Status Record Status In the above screen you base your queries any or all of the following parameters and fetch recor
98. tion Select a valid description from the list of options available oa ORACLE Click Search button to view the records based on criteria you have selected The following details of the record get displayed Authorisation Status Record Status Result Code Description 3 1 6 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 Amend the details of the record Authorize the record Copy the details of a record on to a new record Close the record Reopen the closed record Print the details of a record Delete the record Refer to the manual on Common Procedures for details of these operations 3 1 7 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 s ORACLE 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 Mapping New Queue Id Action List 1010 Serial Number Action Code Action Description Action Results 4010 Serial Number Action Code Result Code Result Description
99. tion 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 more details on PTP policy 3 1 20 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 Tes ORACLE Promise To Pay Policy Authorization Status Record Status Collection Agent Group Minimum Percentage of Minimum Promise to Pay F Outstanding Days Maximum Promise to Pay Days Records per page 15 10671 Authorization Status Record Status Collection Agent Group Minimum Percentage of Outstanding Minimum Promise To view the summary of PTP you can perform a search based on any of the following Authorisation Status Select the authorisation s
100. tract will be closed even if the child collection is in active status During EOD the collection contract gets created based on this check box checked or unchecked at the collection product level Asset Details The following asset details also get displayed e Asset Amount e Asset User Defined Status ue ORACLE Asset Currency Customer Status Asset Outstanding Principal Customer Category Asset Total Overdue Customer Credit Rating Asset No of Schedules Overdue Click Events button to view the events that got fired on this collection reference number Events 1 Reference Number 1070 gt Event Number Event Date Event Code Description Authorization Status Accounting Entries The following events detail gets displayed Event Number Event Date Event Code Description ORACLE 5 3 Click Interactions button to view the interactions that happened for this Collection reference number Interaction Details Collection Reference 10117 Interaction Reference Interaction Date Result Next Action The following interaction details are displayed here e Interaction Sequence Number e Interaction Date 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 c
101. vice tags are provided for the above message 7 1 ORACLE Sr Advice Tags Description Message Type No 1 _COLL AGENT ID_ The Collection Agent Id COLL REMINDER 2 COLL AGENT Collection Agent Name COLL REMINDER NAME 3 CUST ID _ Customer ID COLL REMINDER 4 _ACTION CODE Follow up Mode Description COLL REMINDER 5 ASSET REF Asset Reference number COLL REMINDER 6 ASSET CCY Asset Currency COLL REMINDER 7 _INTERACTION Interaction Reference Generated by the COLL REMINDER REFERENCE system Will be null if the message is not linked to an existing interaction 8 INTERACTION Interaction place as captured in the COLL REMINDER PLACE _ system Will be null if the message is not linked to an existing interaction 9 INTERACTION Interaction time Will be null if the COLL REMINDER TIME _ message is not linked to an existing interaction 10 INTERACTION Interaction Comments Will be null if the COLL REMINDER COMMENTS message is not linked to an existing interaction 11 _INTERACTION Interaction Date Will be null if the COLL_REMINDER DATE_ message is not linked to an existing interaction 12 NEXT ACTION Next Action Date Will be null if the COLL REMINDER DATE message is not linked to an existing interaction 13 ADDL TXT The Additional text keyed in the diary COLL REMINDER message screen 14 _PTP AMOUNT Amount the Customer has promised to COLL REMINDER pay Will be null i
102. want to generate a collection reference number Asset Reference Number Specify the CL account number for which you need to map to collections 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 5 2 ORACLE 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 number 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 con
103. y 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 which 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 ue ORACLE 5 16 1 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 authorizatio

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