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Collections Version-11.1 9NT1368

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1. Delinquency Reasons Authorization Status v Record Status Deinguency Code H Description H Advanced Search Records per page Authorization Status Record Status Delinguency Code 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 3 12 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 Delinquency Code e 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 e Amend the details of the record e Authorize the record e Copy the details of a record on to a new record e Close the record e Reopen the closed record e Print the details of a record e Delete the record Refer to the manual on Common Procedure
2. 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 4 1 8 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 in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Queue Assignment Pending Queue Buk Reference X Comments __ X 4 Search Advanced Search Records per page 15 w Bulk Reference Comments To view the summary of collection queue assignment exception you can perform a search based on any of the following Bulk Reference Select the bulk reference number from the list of values available here 4 14 ORACLE 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 4 1 9 Operations on Queue Assignment Exception Record You can perform the following operations on
3. Valid Result code in the a 9 RESULT_DATE DATE o DATE NEXT_ACTION_DATE DATE Usually the date agreed upon by the customer to honor the payment due 12 PTP_AMOUNT NUMBER The promised to pay amount in Asset Currency Could be multiple PTP_DATE DATE The date on which the above amount has been agreed to pay Could be multiple MEDIA CHARACTER Media for Message Generation 15 INTERACTION DETAILS 2000 CHARACTER The Details of the conversation INTERACTION_PLACE CHARACTER Place of interaction if not phone 6 3 ORACLE INTERACTION DATE DATE Date of Interaction 20 CUSTOMER_EMAIL_ID CHARACTER Email ID of the Customer CUSTOMER_MOBILE 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 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 CHARACTER If there is something like a product code in the external system COUNTERPARTY _ CHARACTER Counterparty id for the Asset Counterparty id for the Asset for the Asset CUST_CATEGORY 10 CHARACTER Customer Category CUST CRDT_ RATING 10 CHARACTER Customer Credit Rating CUST STATUS a CHARACTER Customer Level status Level Customer Level status pren vow onana paraan e Ca SETTLEMENT ACC BR
4. cccsscccccccccccsnneseseeeeeeee a eecseeeeeeeeaaeeeeeeeeeesaaaaeseeeseesaaanees 5 8 5 1 4 Operations on Collection Interaction RECOV cccccccccsssveecceccee eee eeesseseeeeeeee aa eeseeeeeeeeaaaaaeeeeeeeeaaaaees 5 10 5 1 5 Reminder Capturing Diary MessagesS eeeeeeeessnsssnnnneeeennnsssssssssssssseeerrrsssssssssssssseetereeesssssssssssseeeeee 5 10 5 1 6 Viewing the Summary of Reminder Message Record cccccccssseccccccccccceesscececeeenasesseceeeeeaaaaesseeeseeeaaaes 5 12 JA Operations on Reminder Message ReCOLd cccccccccccssseeceececeeeenneeseeseeeeeeeeaaeseeeeeeeeeaaaaeeeeeeessaaaaasees 5 14 ORACLE 5 1 8 Changing Collection Queue fOr Loans ccccccccccccssesscccccccecnneeesseeeeeeeeeeaseeseeeeeeeaaaaseeeeeeeeeaaaaaseeeeeeeeaaaes 5 14 5 1 9 Viewing the Summary of Collection Queue Change Detail s ccccccccsccccccccccccseecsccccceceaeaessseeccseeeaaees 5 17 5 1 10 Operations on Collection Queue change for LOANS Record cccccccccccssveeececeeeeceaeeeseeeeeeeeaaanessseseeeens 5 17 5 1 11 Reversing Broken Promise Fee ccccccccccccccssecescccceeeenneeeseeeeeeenaeeeseeeeeeeeaaaeeseeeeeeeeeaaaasseeeeseesuaaaeeeeeeens 5 18 5 1 12 Viewing the Summary of Reversal of Broken Fee Record ssccccccccccsssneeeceecceceecnasesesceseseaaesseseeeees 5 19 S 1 13 Processing Collection Interaction Queues scccccccccccceccecccceeneeneneeeeeeeesseeeeeeeeeeeeeeeaaaaaaaasneseeeeeseeess 5 20 5 1 14 Assigning Collection Agent fOr a LOAN
5. e PTP charge processing happens after verifying the dates have been honoured or not For broken promise a charge is calculated on the basis amount Reminder messages are generated during the BOD or EOD batch run CNMS event is fired in the Collection references wherever applicable The corresponding batch function ID is CNDREMSG Refer Maintenances and Operations and Collection Contract Online chapters of the CN Collections module user manual to know more about the details of collection sub process 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 6 2 ORACLE 1 COLLECTION_REF 16 CHARACTER This will identify the collection in the System SOURCE_CODE CHARACTER This will identify the External system who Is sending in the details 3 COLLECTION _AGENT_ID 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 ACTION _CODE CHARACTER Valid Follow up mode defined in the a 7 ACTION DATE DATE o DATE RESULT CODE CHARACTER
6. ll Maker Doce DateTime 2007 11 29 15 40 24 Contract Status Active Checker DateTime Authorization Statu Unauthorized Exit a 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 5 6 ORACLE Next Action Specify a valid next action as per the Action Result Next Action maintenance Next Action Date Specify the date of execution of the next action Delinquency Reason Specify delinquency reason for the account going into overdue as per the Customer Hour Specify the hour of the interaction with the customer if available Minutes Specify the minutes of the interaction with the customer if available Customer Email Specify the email id of the customer if available Mobile Number Specify the mobile number of the customer if available Interaction Place Specify the interaction place with the customer if the action is a personal visit Total PTP Specify the total amount the customer promises to pay if the result of action is PTP Comments Specify the comments related to the interaction you have recorded if any 5 7 ORACLE 5 1 2 3 Promise to Pay
7. Comments Source Code Query Asset Reference Number r Customer ID Collection Queue Product Minimum Total Amount Over Minimum Overdue Days Due f Loan Status Minimum Over Due Schedule S Customer Credit Rating Customer Category Currency C Apply to All New Collection Queue Apply Queue Change Asset Reference Number Current Collection Queue New Collection Queue Maker Checker Authorization Status ance 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 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
8. Specify the asset reference number as per the collection assignment Collection Reference number Specify the collection reference number of the amount due Asset Amount From Specify the starting amount range for which you want to change the collection agent Asset Amount To Specify the amount limit for which you want to change the collection agent 5 21 ORACLE Collection State Specify the collection status of the loan for which you want to change the collection agent Collection Agent Group Specify the collection agent group for which you want to change the collection agent Minimum Total Amount Overdue Specify the total outstanding amount of a loan for which you want to change the collection agent Minimum Overdue Schedules Specify the limit of overdue schedules of a loan for which you want to change the collection agent Minimum Overdue Days Specify the limit of overdue days of a loan for which you want to change the collection agent Currency Specify the currency of a loan for which you want to change the collection agent Collection Agent Now Specify the current collection agent of a loan for 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 New Collection Agent lt expln required from dev testing team gt Apply to All Chec
9. The following Advice tags are provided for the above message et ORACLE k O ook a s ss ook 2 13 D 15 6 J _COLL AGENT ID_ The Collection Agent Id NAME _INTERACTION Interaction Reference Generated by the REFERENCE _ system Will be null if the message is not linked to an existing interaction _INTERACTION Interaction place as captured in the PLACE _ system Will be null if the message is not linked to an existing interaction _INTERACTION Interaction time Will be null if the TIME _ message is not linked to an existing interaction _INTERACTION Interaction Comments Will be null if the COMMENTS _ message is not linked to an existing interaction _INTERACTION Interaction Date Will be null if the DATE __ message is not linked to an existing interaction NEXT ACTION Next Action Date Will be null if the DATE _ message is not linked to an existing interaction _ADDL TXT__ The Additional text keyed in the diary message screen _PTP AMOUNT _ Amount the Customer has promised to pay Will be null if the message is not linked to an existing interaction PTP DATE Date by which the above amount will be paid Will be null if the message is not linked to an existing interaction _TOTAL PTP AMT_ Total PTP amount 1 2 Message Type COLL_REMINDER COLL_REMINDER COLL_REMINDER COLL_REMINDER COLL_REMINDER COLL_REMINDER COLL_REMINDER COLL_REMINDER COLL_REMI
10. AME FINANCEL Walue Mathematical Op Logical Op 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 4 10 ORACLE You can select the mathematical logical options along with operators Value Specify the value which can be used in the condition to form a criterion Click Accept to select the criterion specified here which will be assigned for queue derivation 4 1 6 Viewing the Summary of Collection Queue Derivation You can view the summary of collection queue derivation in the Summary of Collection Queue Derivation screen You can invoke this screen by typing CNSQRULE in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Queue Derivation Rule Authorization Status v Record Status v Product H Source Code HN Module E a Search Advanced Search Records per page Bema a ER a E i Authorization Status Record Status Product Source Code 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 4 11 ORACLE Record Status Select the record status of th
11. Details Tab Click Promise to Pay Details Tab to view the PTP details Collection Interactions Collection Reference O2 TW Interaction Sequence Number OOOZINTOT2330001 Collection Agent Agency Name Customer Customer Name External Reference Record Origin Processing stage tiate Record Date 2007 11 29 Source Code Interaction Sub Sequence numbe 1 r LBL_INTRDETAILS LBL_PTPHEADER 1 of 1 PTP Details BE Currency FTF Amount FTF Date Amount Faid FTP Status FTF charge Maker DOCZ2 DateTime 2007 11 79 1540 24 Contract Status Active Checker DateTime Authorization Statu Unauthorized The following details of promise to pay are displayed here e Currency The currency in which the customer has promised to pay e PTP Amount The amount which customer has promised to pay e PTP Date The date on which the amount will be paid e Amount Paid Actual Amount paid by the customer e PTP Status The status of PTP as on date e PTP Charge The PTP Charge calculated by the system This record is processed on next action date specified during the interaction onns Collection reminder message diary event gets fired in the underlying Collection Reference during BOD batch run 5 1 3 Viewing the Summary of Interaction Record You can view the summary of collection interaction record in the Summary interaction record screen 5 8 ORACLE You can invoke this screen by typing CNSCOLIN in
12. Reopen the closed record e Print the details of a record e Delete the record Refer to the manual on Common Procedures for details of these operations 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 3 10 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 Zp Delinquency Reasons blaker Date Time hlod No Record Status Checker Date Time Authorization Statu z 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 alohanumeic 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 3 11 ORACLE 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
13. Summary collection state code screen 3 14 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 Record Status Collection State LE Description LE Advanced Search Records per page Authorization Status Record Status Collection State To view the summary of collection states you can perform a search based on any of the following Authorisation Status Select the authorisation status of the collection states as e Authorised e Unauthorised Collection State Select a valid collection state from the list of collection states maintained Record Status Select the record status of the collection state as e Open e Closed Description Select a valid description from the list of options available 3 15 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 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 the record Amend the details of the record Authorize the record Copy the details of a record on to a new r
14. 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 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 4 15 ORACLE 5 Collection Contract Online 5 1 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 5 1 1 Capturing Collection Reference The features of Collections online screen are given below e You can create a new Collection Reference Number e Amend the parameters Allow Manual collection Agent assignment and Allow Manual Queue Assignment and Auto 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
15. based on it 5 15 ORACLE Minimum Total amount over due Specify the minimum amount overdue to query the asset records with the total amount Overdue greater than or equal to this amount Minimum Overdue Days Specify a minimum number of overdue days to query the asset records with total number of overdue days greater than or equal to this number Minimum Overdue Schedules Specify a minimum number of overdue schedules to query the asset records with total number of overdue schedules greater than or equal to this number Customer Category Specify the customer category to perform a query based on it 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 New Collection Queue Specify the new assign queue to the each asset retrieved 4 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 queu
16. date and the first PTP date Maximum Promise to Pay days Specify the maximum days from the action date beyond which a PTP should not be accepted from the customer Minimum days between dates Specify the minimum number of days between multiple PTP dates provided by the customer Refer the heading Recording Customer Interactions under the chapter Collection Contract Online for more details on PTP policy 3 1 20 Viewing the Summary of PTP Policy You can view the summary of PTP policy in the Summary PTP Policy screen 3 21 ORACLE 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 Promise To Pay Policy Authorization Status Record Status Collection Agent Group I Minimum Percentage of Outstanding a Minimum Promise to Pay Days H Maximum Promise to Pay Days i H Advanced Search Records per page Bees i e Authorization Status Record Status Colection Agent Group Minimum Percentage of Outstanding Minimum Promise to Pay Days hiaximum To view the summary of PTP you can perform a search based on any of the following Authorisation Status Select the authorisation status of the agent group code as e Authorised e Unauthorised Collection Agent Group Select a valid agent group from the list of agent group maintained Record Status S
17. 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 functionality once the asset becomes default This module is integrated to other modules like Retail Lending Leasing and Mortgage facilities provided by the bank 2 1 1 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
18. 2 COLLECTION INTERACTION DETAILS icccpritrecrrrigpeesorsaes seni eee gee ee eee 8 1 8 3 OBILE F EPO TORY rair E sansa eunsanasesomaaseeeencageuanaa 8 2 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 track 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 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 1 2 1 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 Chapter 2 Collections An Overview is a snapshot of the features that the module provides An Overview is a Collections An Overview is a snapshot of the features that the module provides of the features that the module
19. CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www oracle com financial_ services Copyright 2010 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 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 ORACLE
20. Collection Extracted data from the loans module or the asset details are used for further processing During the batch process run the following sub processes related to collection are performed e System checks for collection records which are due for closure with the due amount in the contract as zero and the contracts which are back to normal status Pending collection messages are cancelled and interactions other than executed are cancelled e System checks for multiple mapping of collection reference and the base table is taken for Queue Assignment Exception The same is picked up next day from the Queue assignment Exception screen after confirming the new queue assigned for these collections e Agents are assigned based on the allocation maintained in the collection agent group level for the various collection Agents If another loan of the customer has been assigned to a particular collection agent then a subsequent one assigned to the same group will also be assigned to the same collection agent e The 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 e New interaction for the records is displayed for which the next action date is due The stage is updated after verifying the authorization e Based on the State mapping maintenance collection state change happens during the batch process
21. Collections Version 11 1 INT1368 ORACLE FCUBSV UM 11 1 0 0 0 0 0 August 2010 Oracle Part Number E51575 01 ORACLE FINANCIAL SERVICES ORACLE Document Control Author Documentation Team Created on October 01 2008 Updated by Documentation Team Updated on August 06 2010 Reviewed by Development Testing teams Reviewed on August 06 2010 Approved by Software Quality Assurance Team Approved on August 06 2010 Collections Table of Contents L OT Noa 1 1 1 1 MINT OID IC TON oats se E A E E E E A A AE E E E T l 1 M2 E a E A A A E E E A A E ET 1 1 1 2 1 ODI AIAG OW assets A a areata N a steno Hoe ea eae l 1 1 2 2 Kelated DOCumeniS eiiie a E A E E R EE 1 2 1 2 3 Conventions Used inthis Manual sisicama aaia i ia a aiara iaa niais 1 2 1 2 4 VOSS OF COIN acerca tacts sess EE cdot es cnn ese taka EEA A E A ees pate aeca tae ecm beta A A T 1 2 2 WOLEEC TIONS SAN OVI VN oiiire aaa Eara eoira 2 1 PA EE IC AOI ET O E E A EA A N EAEN EA O A AOE 2 1 2 1 1 PROCES SIO Colecon ances tseant cts copeaastaaseaksesneenatsant mes tesaiae OE E E OER OE E NE 2 1 2 1 2 Collection Process flow DIG GTM sssevsaarasctecsanncescnandsseneoesuraannnnetsaeseisnasaphiseanamberrastadetbconieonsadisiaensaunses 2 2 3 MAINTENANCES AND OPERA TIO ND cccccccees cic loccscccteeactsccas cca sda sic Ca cwscec dete cieccas ices dete sce lecwscecteinsieccaiveet 3 1 3 1 SINT LOIN a ticssace ta E E ieee catia nse cette nc NE gate ean et aeaamtene
22. Details Message Date 2007 11 29 Additional Text Wessage Status Generation hlode Media E Maker Date Time Mod No Record Status Checker Date Time Authorization Statu i _ 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 The date of interaction gets defaulted Message Details The message details get defaulted here 5 11 ORACLE 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
23. 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 5 20 ORACLE You can invoke this screen by typing CNDCAASG in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection Agent Assignment Assignment Reference Effective Date Customer ID si Minimum Total Amount Ower Due Product s i re Minimum Over Due Schedules Collection Reference Number a Minimum Overdue Days Asset Reference Number K Currency Aszet Amount From Asset Amount To Collection State Collection Agent Now Collection Agent Group C Apply to All New Collection Agent H Query Collection Agent Assignment Collection Reference number lt Asset Reference Total Amount Ower Due Currency Colection Agent Group Ole m l Component Wise Balance Details blaker DateTime Authorization Statu Checker DateTime 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
24. Incase the default media is null Mail gets selected as media Additional Text Specify the additional information about the reminder message Media The medium of communication gets defaulted from the Media Address maintenance You can amend the details here You can save the mapping of reminder message and interaction details CNMS event gets fired with Collection Event Number while generating message No operations are allowed after authorizing a reminder message 5 1 6 Viewing the Summary of Reminder Message Record You can view the summary of collection interaction reminder record in the Summary Reminder Message Record screen 5 12 ORACLE 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 number Collection Agent I hessage Date Advanced Search Records per page Bia 1 Authorization Status Record Status Collection Reference number Collection Agent Generation Mode Message Date DEN To view the summary of collection reminder message you can perform a search based on any of the following Authorisation Status Select the authorisation status of the collection reminder message as e Authorised e Unauthorised Record Status Select the record status of the collection reminder mess
25. N 3 CHARACTER Branch where the Settlement Account is available 6 4 ORACLE CUST_CHARGE_GROUP CHARACTER Customer Charge Group ASSET OUTSTANDING NUMBER Outstanding Principal Amount of the Asset Asser ern icy S GARMCTER toca cirerer feast ee oe Total Overdue amount for the Asset Total Overdue amount for the Asset amount for the Asset ASSET _SCH_OVD NUMBER Number of Schedules in Overdue status ASSET EARLIEST OVD NUMBER Number of days by which the earliest schedule is overdue ASSET UDEF_ STATUS CHARACTER User defined status Assigned to the Asset senor os es WMCTER user setea Chants eseroer cr es OWMCTER user setes orarertoes _USERDEF_c8 35 CHARACTER User defined Character fields eseroer co es onamoTen user oetnesorarertoes eseroer cio es onamoTen user setea Ghanorfous USERDEF_N1 22 NUMBER User Defined Number fields USERDEF_N2 NUMBER User Defined Number fields 6 5 ORACLE 1c ai DATE User Defined Date fields eeror ew oats usoen u fome Utes aos 6 2 3 3 Payment Details Upload You can upload the payment details through the Generic Interface module It should contain the following details SOURCE _ CODE so CHARACTER Source code to Souree code to identity tne Extemal system the External system ASSET REFERENCE 35 CHARACTER Reference number used to hentia the Asset at the source PAYMENT _ESN a NUMBER Event Event Sequence number forthe payment number for the payment 6 6 O
26. NDER COLL_REMINDER COLL_REMINDER COLL_REMINDER COLL_REMINDER COLL_REMINDER COLL_REMINDER COLL_REMINDER ORACLE 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 ZCAA Reference Number generated during Assignment Re assignment of Collection Agent ZINT For Customer Interaction recording Interaction reference ZCQC Queue Change reference Generation ZCBK Bulk reference used in the two queue screens oe ORACLE 8 Reports 8 1 Introduction The report programs available under the Collections CN module are explained in this chapter All activities that are performed by the CN module are recorded The inputs you have made at different stages of the contract are pieced together and can be extracted in the form of meaningful reports as and when you may require them The reports that can be generated for the CN Module are as follows e Collection Interaction Details e Loans under Collection Process Note that for some of the reports you do not have to make any sp
27. N_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 Refer intermediary module to know more details on collection agent fee definition fee reversal and liquidation 5 1 15 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 5 23 ORACLE You can invoke this screen by typing CNSCAASG in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Agent Assignment Assignment Reference __ Effective Date ___ le maer Advanced Search Records per page Assignment Reference Effective Date 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 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 5 24 ORACLE 5 1 16 Operations on Collection Agent Assignment Record You can perform the following operations on collection agent assignme
28. O eh E OO AE 3 1 Idd Maintaining Collecion ACHOM COGS ciiheassesivn asic a a EO n T ii 3 1 512 Viewing the Summary of Collection Action Codes iccccccccccsssssccccccccecneescsecceeeeaseeeseeecceeeaaaaseeeeeseseaaaeees 3 2 IJd Operations on Action Code Maintenance Record wicccccccccssccccccccccccnneseseecccecaasesseeeeeeeaaseesseeesesaaaaaeeeeees 3 4 3 1 4 Maintaining Collection Result Codes scsisssisidisert scenice iaoei iaai aeaa aoid eisoes stedsen eaneedaas 3 4 I Viewing the Summary of Collection Result COS ccccccccccccccssnsnnseeeeeeeeeeeeeeeeeeeeeeeaaaaaaesssssseeseeeeeeeeeess 3 5 3 1 6 Operations on Result Code Maintenance RECOT iicccccccccssccccccccccecnnssesecceeeeeaeessseeeeeeeaaaeseeeesesaaaaaseeeees 3 7 IA Maintaining Action Result and Next ACtion ccccccccccccsccsssvseseccccccaaansseecccccsaaausseececcesuaaasseseeeesaaanenaass 3 7 3 1 8 Viewing the Summary of Action Result Next ACTION cccccccssscccccccceeenesssecceeeceaaeeseeeeeeesaaaeseeeeeeseaaaanes 3 9 3 1 9 Operations on Action Result Next Action Maintenance RECO cccccccceesveeccececeenneeaeeeseeeeeesenaaeees 3 10 3 1 10 Maintaining Delinquency Reason COGS bociciveedusiessromeasrtsdealaverpoii secu toiiasietinebaadesndienanssndacdaxioeneniyeedes 3 10 3 1 11 Viewing the Summary of Delinquency REASON COS ccccccccccccccceseeeneseeeeeeeeeeeeeeeeeeeeeeeeeeneaaaaaaaaaannees 3 1 3 1 12 Operations on Delinquency Reason Code Maintenance Record 3 13 3 1 13 Maintaining Collecti
29. RACLE PAYMENT AMOUNT NUMBER Payment Amount PAYMENT CCY CHARACTER Payment Currency PAYMENT DATE CHARACTER Date of payment COLLECTION _AGNT CHARACTER Collection Agent ID associated with the Payment REVERSAL_ESN NUMBER The ESN of the Reversal of payment REVERSAL _ DATE CHARACTER Date on which the reversal happened PAYMENT STATUS CHARACTER A for Active R for Reversed Refer Generic Interface user manual for more details on upload functionality 6 7 ORACLE T Annexure 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 10 11 12 13 14 CQAS CASG CNIB CNAP CNRJ CNEX CNMS BFEE RFEE CAMD CIAM CLOS CLST Collection Queue Assignment Y Collection Agent Assignment Interaction Booking Interaction Approval Interaction Rejection Interaction Execution Interaction Reminder Message Broken promise Penalty Charge Reversal of Broken Promise Fee N Collection amendment Collection Interaction Amendment Collection Closure Collection State Change INIT Collection Initiation 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 COLL REMINDER Collection Reminder Message
30. 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 5 1 10 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 Actions Menu is disabled it means that the function is not allowed for the record e Create and save new record e Authorize the record e Delete the record e Query the details of record 5 17 ORACLE Refer to the manual on Common Procedures for details of these operations 5 1 11 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 Asset Reference Customer LBL_FEEDTLS Currency LBL_BFEESTATUS LBL_BFEERESN blaker Checker LBL_FEEDT LBL_BFEEESN Paver LBL_BPFEEAMT LBL_BFEERULE LBL_REVDATE DateTime Status DateTime Authorized You can reverse the fee of broken fee here Collection Reference Number Specify the collection reference associated with the broken promi
31. age as e Open e Closed Collection Reference Select collection reference number from the options maintained Collection Agent Select a valid collection agent from the options maintained 5 13 ORACLE 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 5 1 7 Operations on Reminder Message Record You can perform the following operations on collection interaction record if any function under the Actions Menu is disabled it means that the function is not allowed for the record Create a record Amend the details of the record Authorize the record Query the record Delete the record Refer to the manual on Common Procedures for details of these operations 5 1 8 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 Queue Change Reference
32. 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 Description Select a valid description from the list of options available 3 3 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 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 i
33. 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 e Products 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 4 1 1 Maintaining Collection Products You can maintain the product details in the Product Maintenance for Collection screen 4 1 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 Product Code OoOo O Product Description OoOo Accounting Roles Events j Preferences hlaker Date Time hlod Mo Record Status Checker Date Time Authorization Statu amp You can maintain the basic information relating to collection product here Product Code Specify a product code for the product you are maintaining Product Description Specify a product description for the product you are maintaining Start Date Specify the date from which this product should be open
34. can perform a search based on any of the following Authorisation Status Select the authorisation status of the collection product as e Authorised e Unauthorised Record Status Select the record status of the collection product as e Open e Closed Product Code Select a valid product code from the options available Product Description Select a valid product code description from the options available 4 5 ORACLE Start Date Select a valid start date of the product code from the calendar option from available End Date Select a valid end date of the product code from the calendar option from available Click Search button to view the records based on criteria you have selected The following details of the record get displayed e Authorisation Status e Record Status e Product Code e Product Description e Start Date e End Date 4 1 3 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 Collection State Mapping Branch spo Product Source Code H
35. ccccccssccccccccccssseeecseceeeeuaaesseeeeeeeeaaeeeseeeeseeaaaassseeeeeeseaaaaasseeeees 5 20 5 1 15 Viewing the Summary of Collection Agent Assignment RECOM ccccscseeccccccceeneeeeseeeeceeeenaaseseeeeeees 5 23 5 1 16 Operations on Collection Agent Assignment RECOTA ccccccccesseeecccceeece ne eeeseeeeeeeanaaasnseeeeeeeaaaaaeeeeees 5 25 5 1 17 Viewing the Collections Dashboard cccccccccccccccctteeeee tiie eee eee cece cece cE E LEED EE DEEL EEE E CEES EE EE EEE EEE E EEA 5 25 Ge BA TCR PROC TiN icsse aE aa EE aaa Raani 6 1 6 1 TINT OI CON n E E E E O E OE 6 1 D2 BATCH PROCESS FLOWCHAR assert neron ra una EEEE AEAEE TEAOR E TESn 6 1 6 2 1 Extraction Of Data from LOANS eissis iin sN rE AEE EER EEN Ei 6 2 6 2 2 Processing Collecion siisii nE ar EAA Ainar EO a Ne aaa 6 2 6 2 3 Uploading the Collection Detalls cccccccccccssesecccccccccsssssseeceeeecneeeseeeeeeeeeeeaaeeeeeeeeeesaaaseseeeeeessuaaaeseeenaas 6 2 7 ANNEXURE EVENTS AND ADVICES FOR COLLECTIONS cccccccscscscscccscccccsscscssssssssssssssscees 7 1 7 1 COLLECTION EVEN I erener errr RCE rer EE rer nner Ty Serer en rr EEEE te oy Serre nee Tear ner ee 7 1 7 1 1 TN CS aise ett atta 25 ae tec cs ae eect espe ca Son clo ta sense wae eeee eine 7 1 7 2 PROCESS CODES FOR COLLECTION MODULE cisccorssonsunnsinencwnsseusienataasewrosarivessiaiscensseusvasiiaisenserarivesniaineentuns 7 3 S PEPON bs a E E E E e ee e 8 1 8 1 Er OC TO ae A A A E AEA O AE EA A EAE EA 8 1 9
36. codes Execution event CNEX will be carried out After the event CNIB is fired processing stage is updated as Initiated if the action code entered by the user requires an approval In this case the result code result date next action and next action date are not accepted by the system while saving the interaction After the authorisation Approval CNAP event is fired provided you have the approval rights Bulk Approval is also possible from the screen CNDINAP Q Authorized records are available for execution The processing stage after authorization is Approved Rejected In case of the approved records click Liquidate and if all the data is supplied execution is fired and the Processing stage gets changed to Executed During amend the interaction subsequence number get incremented by one During authorisation if the next action is REMINDERMSG and the next action date is current date the CNMS event gets fired 5 1 2 1 Asset Details Tab Click Asset Details Tab to view the asset details Collection Interactions Collection Reference H interaction Sequence Number OOOZINTOT3230001 Collection Agent Agency Name Customer Customer Name External Reference Record Origin Processing Stage i Record Date 2007 11 29 Source Code Interaction Sub Sequence numbe 1 r Asset LBL_INTRDETAILS L amp L_PTPHEADER Asset Branch Asset Reference Number Asset Cey Asset Amount Az2et Outstanding Principa
37. d 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 3 19 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 Refer to the manual on Common Procedures for details of these operations 3 1 19 Maintaining PTP Policy Sometimes during the customer agent interaction the customer promise to pay the amount due to the bank by a certain date You can maintain the guidelines for the PTP Promise to Pay policy for every Collection Agent Group in the system You can invoke this screen by typing CNDPTPPO in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Promise To Pay Policy Collection Agent Group Amount Restriction Minimum Percentage of Outs
38. e 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 in the interactions screen which can also be maintained here You can invoke this screen by typing CNDACTCD in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Action Codes Action Code er lll Approval Required Approvers Allowed Sl No Approver ID Name ho Maker Date Time Mod Mo Record Status Checker Date Time Authorization Statu 3 You can maintain the action codes and the details of approver who approves that action here 3 1 ORACLE Action Code Specify the action code for the action you are maintaining This code identifies a unique action in the system You can devise a code consisting of a maximum of 20 alphanumeic characters as the action code Description Specify a description for the action code you are maintaining here You can give a brief description in not more than 35 alphanumeric characters Approval Required Check this box to indicate that an approval is required to perform this action Approvers Allowed The list of valid approv
39. e Action e Result e Next Action 5 1 2 Recording Customer Interactions While booking a new interaction Event CNIB CNEX for a collection reference number a new interaction Sequence number is generated You can record the customer interactions during collection process by the agent in the Collection Interactions screen In case of external collection agency you can upload the recordings from ASCII file for bulk uploads or through the Gateway for single upload Interaction for each loan is recorded separately While saving the interaction execution system validates the result code and next action code based on the Action Result Next Action Mapping You can invoke this screen by typing CNDCOLIN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection Interactions Colection Reference LB interaction Sequence Number 000ZINTOT3230001 Collection Agent Agency Name Customer Customer Hame External Reference Record Origin Processing Stage tiate Record Date 2007 11 29 Source Code Interaction Sub Sequence numbe 1 r Asset LBL_INTRDETAILS LBL_PTPHEADER Asset Branch Asset Reference Number Asset Cey Ageet Amount Asset Outstanding Frincipal Asset fined Status Asset Total Overdue Total No ldaker DOC DateTime 2007 11 29 15 40 24 Contract Status Active Checker DateTime Authorization Statu Unauthorized 5S You can record the interactions be
40. e 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 4 1 7 Assigning Exceptional Queues During batch process system assigns the new collection references as per the queue derivation rule you have defined There can be exceptional cases during this process due to which the queue could not be assigned and in such cases the Queue Collection Agent Group and Collection Agent gets displayed as And in some cases the new Queue derived based on the parameters differ from the currently assigned queues Hence system doesn t 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 4 12 ORACLE You can invoke this screen by typing CNDASGNQ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Queue Assignment Pending Queue Query Branch Batch Processing Date es _ List Exceptions only f Co
41. e to be applied to all the asset references queried And your access to the selected queue is validated while saving the queue change STOP You cannot amend the record after the authorization 5 16 ORACLE 5 1 9 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 Collection Queue Change Queue Change Reference Comments Source Code Query Asset Reference Number K Customer ID Collection Queue x Product Minimum Total Amount Over Minimum Overdue Days Due Loan Status Minimum Over Due Schedule Customer Credit Rating Customer Category Currency F Apply to All New Collection Queue Apply Queue Change Asset Reference Number Current Collection Queue New Collection Queue lz Maker Checker Authorization Status Cancel Date Time Date Time 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
42. ecifications For such reports there is no Report Options screen 8 2 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 e Interaction Date Time e Result Code e Result Date e Next Action Code e Next Action Date e PTP amount e Comments 8 1 ORACLE 8 3 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 STOP f This can be used where the source of an Asset is FLEXCUBE 8 3 1 1 Loans under Collection Process You can generate a report with all the loans that are under collection process with the following details e Collection Agent e Collection Agent Name e Loan Reference number e Collection Status e Loan Status e Customer ID e Customer Name e Loan amount e Value Date e Total Amount Due 8 2 ORACLE ORACLE Collections August 2010 Version 11 1 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores
43. ecord 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 sy l l l Collection agents are maintained in the intermediary maintenance 3 16 ORACLE You can invoke this screen by typing CNDCAGRP in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection Agent Groups Collection Agent Group Desorpton lel Collections Assigned tofi I Queue ID Description Slo AgentiD Description Lo ah Le blaker Date Time hlod Mo Record Status Checker Date Time Authorization Statu 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 alophanumeic characters Description Specify a description for the collection group you are maintaining here You can a brief description in not more than 35 alphanumeric characters During the EOD batch process total number
44. elect 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 3 22 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 e Authorisation Status e Record Status e Collection Agent Group e Minimum Percentage of Outstanding e Maximum Promise to Pay Days e Minimum Promise to Pay Days 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 e Create and save the record e Authorize the record e Delete the record e Query the details of the record Refer to the manual on Common Procedures for details of these operations 3 23 ORACLE 4 Product Maintenances and Product 4 1 Introduction Like any other module in Oracle FLEXCUBE collection module also got some collection products which can be mapped to the contracts Collection Product can be mapped to the asset products and if any 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
45. ers 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 The name of the approver gets displayed when you select the approver When you save the action code system assigns serial incremental numbers in the order in which the approvers list appear in the multiple entry blocks Click add icon to add another approver to the action code being defined To remove an approver from the list click delete icon f The user ids maintained here in the approvers list need to have access rights on the screens CNDCOLIN Collection Interaction Screen and CNDINTRQ Interaction Approval Queue 3 1 2 Viewing the Summary of Collection Action Codes You can view the summary of collection action in the Summary Action code screen 3 2 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 Statuz v Record Status Actin Code ____ 8 Description LE Advanced Search Records per page i of 3 Authorization Status Record Status Action Code Description Aporg 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
46. esult Next Action You can view the summary of action result next action in the Summary Action Result Next Action screen You can invoke this screen by typing CNSAXRSN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Action Result Next Action Mapping Authorization Status i Record Status Queue ID a Search Advanced Search Records per page 15 Authorization Status Record Status To view the summary of action result next action you can perform a search based on any of the following Authorisation Status Select the authorisation status of the result code as e Authorised e Unauthorised Record Status Select the record status of the result code as e Open 3 9 ORACLE 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
47. for contracts to be created under it End Date Specify the date until which contracts should be created using this particular product Slogan Specify the details that should appear in the report or an advice generated with regard to this product Remarks Specify any remarks or comments regarding the product here 4 1 1 1 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 4 2 ORACLE 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 Agent Assignment Allow Manual Queue Assignment Aute Closure 1of1 ae hod Id Description Product Code Description H Pd The product code you specified for the product in the product definition screen gets displayed at the top of the screen You can provide the other attributes here Allow Manual Collection Agent Assignment Select this box if the manual assignment of Collection Agents for the collections under this product has to be enabled Allow Manual Queue Assi
48. get displayed e Collection Reference e Fee Event Sequence Number e Reversal Esn 5 19 ORACLE e Fee Status 5 1 13 Processing Collection Interaction Queues You can process the interaction processing approvals using the screen Interaction pending Approval Queues The following types of approvals for the interactions which are in the initiated stages can be processed here e The Interactions generated by the batch process on next action date of the previously executed interactions that requires approval e The Interactions pending approvals from the daily processing You can invoke this screen by typing CNDINAPQ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Interaction Approval Queue Branch HH stage Initiated Interaction Reference Number re Record Origin LBL_MAN_INPUT ry ipLproprer O W ActionCode O f Asset Reference Number N Query Header Bulk Reference Comments LAL BULKDETAILS LBL_APPROVE Reject Fi Interaction Reference Number LEL PRDREF lt AssetReference Stage Action Code Record Origin IRI BIE Maker DateTime Authorization Statu a Cancel Checker DateTime 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 1 14 Assigning Collection Agent for a Loan
49. gnment 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 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 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 4 3 ORACLE 4 1 1 2 Accounting Roles Tab For further details on accounting role refer to heading Setting up Accounting Details for a Product in the Product Module 4 1 1 3 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 ha
50. he collection details based on it 5 25 ORACLE Asset Product Specify the asset product code to query the collection details based on it Collection Status Specify the collection status to query the collection details based on it Collection Queue Specify the collection queue to query the collection details based on it Collection Agent Group Specify the collection agent group code to query the collection details based on it Collection Agent Specify the collection agent 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 After specifying the values in the screen press F8 to perform the query The following list of assets under collections process conforming to the query criterion is displayed e Asset Reference e Latest Collection Reference e Queue e Collection Agent Group e Collection Agent e State e Collection Status e Select Click View Collection Details to view the following collection details e The different collection references and interactions that are associated to the Asset reference selected in the parent screen e Events that got fired in the latest collection reference number 5 26 ORACLE e PTP Detai
51. he 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 3 18 ORACLE 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 Collection Agent Groups Authorization Status v Record Status v Colection AgentGroup B Description ___ 8 4 Search Advanced Search Records per page 15 4 Authorization Status Record Status Collection Agent Group To view the summary of agent group codes you can perform a search based on any of the following Authorisation Status Select the authorisation status of the agent group code as e Authorised e Unauthorised Collection Agent Group Select a valid agent group from the list of agent group maintained Recor
52. k this box and click apply button to assign the new collection agent to all the records with the selected criteria Comments Specify any comments related to this new collection agent assignment here While authorizing the new collection agent assignment as event CASG Collection Agent Re Assignment is fired in all the underlying Collection contracts A unique assignment reference number is generated which can be used to identify the bunch of contracts for which the assignment has been done in a particular lot You cannot perform any operation after the authorization 5 1 14 1 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 5 22 ORACLE You can view the details of assets from the Oracle FLEXCUBE in the component wise balance screen Component Wise Balance Detalls Asset Reference Number Customer ID Customer Name Component Wise Balance Details Fi Component Name Total Amount Ower Due Earliest Schedule Due Cancel 5 1 14 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 Bomen pesen LOA
53. l Asset User Defined Status Asset Total Overdue Total No Of Asset Schedules Ov erdue Maker DOC DateTime 2007 11 29 15 40 24 Contract Status Active Checker DateTime Authorization Statu Unauthorized z 5 5 ORACLE The following asset specific details are displayed here e Asset Branch Branch of the asset product gets displayed e Asset Reference Number Asset Reference Number gets displayed e Asset Amount Total asset amount gets displayed e Asset Ccy Asset currency gets displayed e Asset Outstanding Principal Principal Outstanding Amount as on date gets displayed e Asset User Defined Status User Defined Status for the Asset Reference gets displayed e Asset Total Overdue Total Overdue Amount as on Date gets displayed e Asset No Of Schedules Overdue Total No of Schedules Overdue gets displayed 5 1 2 2 Interaction Details Tab Click Interaction Details Tab to view the interaction details Collection Interactions Collection Reference CC Interaction Sequence Number OO0ZINTOTS330001 Collection Agent Agency Name Customer Customer Name External Reference Record Origin Processing Stage tiat Record Date Source Code interaction Sub Sequence numbe r LBL_INTRDETAILS LBL_PTPHEADER Action Code Action Date B esult of Action ezult Date es I Next Action Next Action Date EA Delinguency Reason Total PTP Amount Hour Comments Minutes Customer Email Media far Cnommuniratinn
54. l 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 Due Details The following due details are displayed here e Component e Earlier Due Date e Total Amount Due e Amount Paid 5 28 ORACLE 6 Batch Processing 6 1 Introduction The batch process of Collections module is explained in this chapter The batch process takes place in different phases And collection batch will be processed after the Loans batch 6 2 Batch Process Flowchart The tasks which will be carried out by the Batch in connection with the Collection Process is explained in the flowchart below Queue Assignment Exception Process Exception 0 derived Different Update Interaction pending execution as rejected Automatic Processing Manual Processing End of Processing 6 1 ORACLE 6 2 1 Extraction of Data from Loans Loan accounts with amount dues are extracted to CN Collection module While processing the data the details required for the SDE s mentioned under the Queue derivation logic are extracted and made available for further processing Eror l You can also upload the details of asset from external system using General Interface 6 2 2 Processing
55. lection interaction record if any function under the Actions Menu is disabled it means that the function is not allowed for the record Create a record Liquidate the record Amend the details of the record Authorize the record Copy the details of a record on to a new record Print the details of a record Refer to the manual on Common Procedures for details of these operations 5 1 5 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 5 10 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 Collection Reference number dessage Sequence Number DCN Asset Reference Number Collection Event Number Branch Collection Agent Interaction Details Interaction Reference Number lex Interaction Date Action Code Message
56. lication tool bar and clicking on the adjoining arrow button Queue Derivation Rule Source Code X Product E Modue Rule Rule Sequence Condition Rue Queue Name ah C cs A Maker Date Time Mod No Record Status Checker Date Time Authorization Statu 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 LE or MO modules You can provide external source for all other cases 4 9 ORACLE 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 Product Specify a product code for which the queue derivation logic has to be maintained The products of the selected module appear in the list of values Rule Rule Sequence number is assigned by the system in order of the in the multiple entry block The rules will be executed in ascending order of the rule sequence to arrive at the queue applicable Condition Specify the condition using the condition screen provided for this field which is validated during save Queue Name Enter the queue name for which this rule is maintained Click Rule button to provide condition details for queue derivation in the Condition screen A Condition Webpage Dialog Elements JUNT_F EL Operator Condition
57. llections Product Asset Product C List Queue Changes Only Query Asset Reference hu at hu f ft Collection Reference Header Bulk Reference Comments le __ Process Exceptions Asset Reference Collection Reference Queue Assigned Collection Agent Group Assigned Collection AgentAssigned Exception Code Exception Reas Accian Maw Mirsince Deiert News Mireteo Maker ID Checker ID Authorization Status a th Cancel Date Time Date Time ae You can perform query in this screen for the records for assigning new queue or rejecting Branch Code Specify the branch code to perform query based on this Batch Processing Date Specify the batch processing date to perform query based on this Collection Product Specify the collection product to perform query based on this List Exceptions only Select a specific exception case from the option available to perform query based on this Asset Product Specify the asset product code to perform query based on this List Queue Changes only Select the specific queue changes perform query based on this Asset Reference Specify the asset reference code to perform query based on this Collection Reference Specify the collection reference code to perform query based on this 4 13 ORACLE Process Exceptions The query details get displayed in the multiple entry boxes in Process Exception
58. ls for each Collection Reference Interaction Reference combination View Collection Details Asset Reference Current Collection Referenc 1of1 Collections List F Collection Reference Number External Reference Interaction Sequence Number Record Date Record Origin Processing Stage PTP Associated Source Code Selec 1of1 O Event Code EventDate Event Sequence Number MakeriD Checker ID r 10f1 PTP Details a Collection Reference Number Interaction Sequence Asset Reference PTPAmount PTPDate AmountPaid PTP Status PTP Charge interaction Details Details The following details are displayed e Asset Reference e Current Collection Reference Collections List e Collection Reference e External Reference e Interaction Sequence Number e Record Date e Record Origin e Processing Stage e PTP Associated e Event Code e Event Date e Event Sequence Number e Maker ID e Checker ID 5 27 ORACLE 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 1of1 O Component Earliest Due Date Tota
59. n Mapping Queue ID Action List Fi SI No Action Code Action Description Action Results O SI No Action Code Resul Code Result Description Possible Next Actions F SI No Action Code Result Code Next Action Code Next Action Description Maker Date Time Mod No Record Status 2A Cancel Checker 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 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 3 8 ORACLE 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 R
60. n the interaction screen during the action as per the result 3 4 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 hlaker Date Time hlod Mo Record Status Checker Date Time Authorization Statu ka 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 3 5 ORACLE You can invoke this screen by typing CNSRESLT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Result codes Authorization Status Record Status i ResutCode LE Description 4 Search Advanced Search Records per page Bema Authorization Status Record Status Result Code To view the summary of result codes you can perform a search based on any of the following Authorisation Status Select the authorisation status of the result code as e Auth
61. nt 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 Asset Details The following asset details also get displayed e Asset Amount e Asset User Defined Status e Asset Currency e Customer Status e Asset Outstanding Principal e Customer Category e Asset Total Overdue e Customer Credit Rating e Asset No of Schedules Overdue 5 2 ORACLE Click Events button to view the events that got fired on this collection reference number Events Reference Number Accounting Entries The following events detail gets displayed e Event Number e Event Date e Event Code e Description Click Interactions button to view the interactions that happened for this Collection reference number Interaction Details Collection Reference No erie bal Interaction Reference Number Interaction Date Acti Next Action in e j E Cancel The following interaction details are displayed here e Interaction Sequence Number 5 3 ORACLE e Interaction Date
62. nt 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 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 5 1 17 Viewing the Collections Dashboard Collection agent can query the process of collection through Collection Agent Dashboard 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 Collection Agent Dashboard Query Branch Queue Collection Reference Numbe Collections Product Collection Agent Group r 3 5 h Asset Reference Asset Product Collection Agent Customer State 1of1 Assets Under Collections EE O Asset Reference Latest Collection Reference Queue Collection Agent Group Collection Agent State Select You can perform the query here Query Specify the following details to perform query Branch Specify the branch code to query the collection details based on it Collection Product Specify the collection product code to query t
63. of collections assigned to this particular group gets displayed Valid Queues You can link valid collection Queues to the Collection Agent group you are maintaining here Queue ID Select a valid collection queue from the list of options available The LOV consists of all the selected collection queues maintained in the Queue Maintenance screen The queue description gets displayed A particular Collection queue can be linked only to one collection agent group where as a collection agent group can be linked to multiple queues Click add icon to add another approver to the action code being defined To remove an approver from the list click delete icon 3 17 ORACLE 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 defined To remove an approver from the list click delete icon When you save the collection group system assigns serial incremental numbers in t
64. on States Code cccccccccsssecccccceceeeeeeeceeeee cece eee neeeeeeeeeeeeeeeeeeee eee eeaaaaaaaaaanseeeeneeeeees 3 13 3 1 14 Viewing the Summary of Collection States Codes cccccccccccccccccccenenseeseeeesseeeeeeeeeeeeeeeaaasaaeasssssenseeeeees 3 14 3 1 15 Operations on Collection State Maintenance RECOM ccccccccssccccccccccceeeneeeeseeeeeeeeaeeeseeeeeeseaaaaeeeeeeeenaas 3 16 3 1 16 Maintaining Collection Agent Groups ccccccccccccsssscececceceeeceeeee cece ene eeseseeeeeeeeeeeeeee eee eeaaasaaeaaesseeeeeeeeeees 3 16 3 1 17 Viewing the Summary of Collection A gent Group sscccccccccssssseesceccccceceaaeseseeceeeesaaasseeeceeesaaaaeeeeess 3 18 3 1 18 Operations on Agent Group Maintenance ReCOTAL ccccccccccsesseecccceeeennessseeeeeeeaaaaaeeeseeeeeesaaaaeeeeees 3 20 SAA MOMS FIF LOIS vicsanietuviesissceencasiestonsiusriunaeuesevunsereiasebevsrinesinalevesavassospsiaietaoseenneiunanesveees 3 20 3 1 20 Viewing the Summary Of PTP PoliCy viccccccccssscccccccccccccscessesccceeeeaasseseeceeeeeaaaeseeceeeesaaaeeeecceeeessaaaaaeeeeees 3 2 3 21 Operations On PIP BP OUCV scriniis nsa e ai iaaiiai n ade 3 23 ERROR CANNOT OPEN FILE REFERENCED ON PAGE 2 5 COLLECHON CONTRACT ONLINE esirinnas aeaa aA aaaea Eaa aa 5 1 5 1 P ODU TION E A A rr een rere nr re tr 5 1 Idel Caprino Collecion REECE cierras rE aein E AN NEREA ENE 5 1 Id Recording Customer INTCTACIIONS arria is eE EEE ONE EEE A O EEPE 5 4 5 1 3 Viewing the Summary of Interaction Record
65. on the adjoining arrow button Collections Online Product Collection Reference Numbe Latest Event x Event Sequence Number Asset Reference Number Source Code Allow Manual collection Agent Assignment Collection Creation Date Counterparty x Allow Manual Queue Collection Agent Assignment Queue Id State Auto Closure Asset Details Asset Amount Asset Currency Asset Outstanding Principal Asset Total Overdue Total No Of Asset Schedule s Overdue Input By Date Time Asset User Defined Status Customer Status Customer Category Customer Credit Rating Authorized By Date Time Contract Status Authorisation Status Collection reference number is generated by the system Product Select a valid collection product for which you want to generate a collection reference number Asset Reference Number Specify the CL account number for which you need to map to collections In new mode after supplying the Asset reference number and the product click P button to update the details of the selected combination The following details get displayed e Collection Reference Number e Latest Event e Event Sequence Number e Source Code e Collection Creation Date e Counterparty e Collection Agent e Queue ID e State Allow Manual Collection Agent Assignment Check this box to indicate that assigning collection agent manually is allowed Allow Manual Queue Assignme
66. orised e Unauthorised Result Code Select a valid result code from the list of result codes maintained Record Status Select the record status of the result code as e Open e Closed Description Select a valid description from the list of options available 3 6 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 Result Code e 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 e Amend the details of the record e Authorize the record e Copy the details of a record on to a new record e Close the record e Reopen the closed record e Print the details of a record e Delete the record Refer to the manual on Common Procedures for details of these operations 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 3 7 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 Actio
67. p right corner of the Application tool bar and clicking on the adjoining arrow button Collection State Mapping Authorization Status Record Status srann JE source coce _ JE Product fe Records per page H ET a j oe Authorization Status Record Status Branch Source Code To view the summary of collection state mapping to a product you can perform a search based on any of the following Authorisation Status Select the authorisation status of the collection state mapping as e Authorised e Unauthorised Record Status Select the record status of the collection state mapping as e Open e Closed Branch Select a valid branch for querying the collection state mapping Source Code Select a valid source for querying the collection state mapping 4 8 ORACLE 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 4 1 5 Collection Queue Derivation You can provide the logic for the system to assign a particular queue to a collection reference number in the Queue Derivation Rule screen You can invoke this screen by typing CNDQRULE in the field at the top right corner of the App
68. 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 chapter Chapter 6 Annexure Accounting Entries and Advices for collection module are listed here 7 ORACLE Chapter 7 Reports Reports provide a list of reports that can be generated in this module and also explains their contents 1 2 2 Related Documents You may need to refer to any or all of the User Manuals while working on the Collections CN module e CL e Leasing e Mortgage 1 2 3 Conventions Used in this Manual Important information is preceded with the symbol 1 2 4 Glossary of Icons This User Manual may refer to all or some of the following icons eons Function a fe x fpe a fe e fom e pe s fee ig ORACLE Liquidate Sign off a fee Refer the Procedures User Manual for further details about the icons 1 3 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 loan In normal
69. s for details 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 3 13 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 Waker Date Time hod No Record Status Checker Date Time Authorization Statu z 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 states in the
70. se fee Click query button to view all the details of broken fee collected related to the specified collection reference number The following details get displayed e Asset Refernce number e Fee Date 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 5 18 ORACLE You can click Reverse from the menu to pass the reversal entries An event Reversing Broken Promise Fee RFEE gets fired After the fee has been reversed the reversal event sequence number and the date of reversal gets defaulted 5 1 12 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 Broken Promise Fee Reversal Summary Colection Reference NB LaL sreeesn dB Search Advanced Search Reset Records per page Bees Collection Reference LBL_BFEEESN LAL_BFEESTATUS 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
71. tandi ng Maximum Percentage of Outstan 100 ding Days Restriction Minimum Promise to Pay Days dl Maximum Promise to Pay Days sae O Minimum Days between Dates ol Maker Date Time Checker Date Time hiod No 3 20 Record Status Authorization Statu z ORACLE You can maintain the PTP policy details here for a Collection Agent Group Collection Agent group Specify the collection agent group code for whom you want o maintain the PTP details here Amount Restriction You can maintain the amount details for PTP policy for this collection agent group If the percentage maintained here is violated an override message gets displayed Minimum Percentage of Outstanding Specify the minimum percentage of the outstanding amount the customer has to pay Each PTP amount promised by the customer should not be less than this percentage of the total outstanding Maximum percentage of Outstanding Specify the maximum percentage of the outstanding amount the customer has to pay Each PTP amount promised by the customer should not be more than this percentage of the total outstanding If the percentage maintained here is violated an override message gets displayed Days Restriction You can maintain the restriction days for PTP policy for this collection agent group If the days maintained here are violated an override message gets displayed Minimum Promise to Pay Days Specify the minimum days elapsed between the action
72. 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 is CNDREMSG Closure of pending interaction and cancellation of pending reminders happens later and thus the collection interaction is marked as closed 2 1 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 2 2 3 Maintenances and Operations 3 1 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 3 1 1 Maintaining Collection Action Codes The collection agent has to perform certain actions as a part of collection process Oracl
73. the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collection Interactions Collection Reference INH Interaction Sequence Number INH customer H ActionCode i Collection Agent TW Search Advanced Search Records per page Bea er i i E i 4 Collection Reference Interaction Sequence Number Customer Action Code Collection Agent Agency Name Customer Name Recor 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 Click Search button to view the records based on criteria you have selected The following details of the record get displayed 5 9 ORACLE 5 1 4 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 col
74. ti iT Rule Sl Mio Previous State Action Result New State A a e a E a E Maker Date Time hod No Record Status Checker Date Time Authorization Statu i You can assign new state for the branch product and source code combination here 4 6 ORACLE Branch Specify the branch code for which the state mapping should be done You can also specify ALL if it applies to all branches of your bank Product Specify the product code for which the state mapping should be done You can also specify ALL if it applies to all collection products Source Code Specify a source code to maintain the state mapping if there is no product involved You can assign the new state here Previous State Specify a valid state code maintained in the system Action Select a valid action code from the option list provided Result Select a valid result from the option 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 4 1 4 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 4 7 ORACLE You can invoke this screen by typing CNSSTMAP in the field at the to
75. tween the customer and the collection agent here The interaction Sequence number is generated by the system Collection Reference Specify the collection reference number of the collection process for which you are recoding the details The following details get displayed e Collection Agency gets displayed as per the name of the agent e Customer gets displayed as the counterparty of the underlying Asset e Customer Name gets displayed as per the customer name mapped in the system e Processing Stage gets displayed as per the current status of the collection process 5 4 ORACLE 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 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
76. ve to be generated at the various events in the life cycle of loans involving the product Therefore for the required events you have to specify the Accounting entries Charges Policies and Advices To do this click Events tab in the Product Maintenance screen the following screen is displayed For further details on events refer to heading Specifying Event Details in the Product Module 4 1 1 4 Charges Tab You can refer the module Charges and Fees module also for a complete reference on Charges details 4 1 1 5 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 4 1 2 Viewing the Summary of Collection Products You can view the summary of collection products in the Summary Collection Product Codes screen 4 4 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 wr Product Code I Product Description IES StartDate ____ Tel End Date e Search Advanced Search Records per page Authorization Status Record Status Product Code Product Description Start Da To view the summary of collection product codes you

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