Fleet Finance

Credit & Proposal Management Engine

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Make the right credit decisions, and manage their activation

CALMS Credit & Proposal Management Engine provides powerful tools to handle the complete proposal process, including credit decisioning and underwriting, credit line management, Master Lease Agreement setup, supplier and order management, document verification, payout and contract activation.

The CALMS Credit-Scoring Engine can manage requests from almost any portal application or front-office system, as well as the CALMS Point-of-Sale User Portals.

CALMS delivers the benefit of speed and capacity, with all the necessities of scale, configurability, security, and compliance.

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Features

  • User role configuration: workflow, work queues, actions and statuses
  • Supplier set-up, verification, invoice management, and maintenance
  • Automated scoring and credit decisioning, including credit reference agency searches, underwriting, and credit analyst support
  • Automatic document generation and management
  • Fully integrated Digital Processing (incl. eSignature and eID/KBA)
  • Real-time auditing and management reporting
  • Customer-specific pricing, including product and VAP variations, RV & SMR adjustments and manufacturer and dealer discount (VRB) agreements.
  • Master Hire Agreements that include the credit line information setup allowing the specification of max limit and hence follow-up of current credit utilization.
  • Order placement, bulk orders, tracking the progress of orders and contract activation
  • Credit bureau and other required third-party integrations
  • Interactive verification of inbound documents and easy integration with standard document imaging storage systems
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Benefits

  • Full audit trail capability enabling transparency
  • Rules-based decision framework, enabling clients’ exact requirements to be matched
  • Exposure monitoring across multiple product sets within a finance company’s portfolio allowing a single view of the customer
  • Powerful functionality that automatically manages the creation of orders and tracks their progress.
  • Wide range of order management capabilities including bulk order capability, automated driver/vehicle allocation, optional integration with dealer management systems
  • Credit decisioning and Risk Management component provides full support for both automated and manual underwriting processes
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Configure your CALMS Select the modules that interest you
FRONT-OFFICE
MID-OFFICE
BACK-OFFICE
BPAE
SHARED SERVICES
FRONT-OFFICE

Front-Office

FRONT-OFFICE Driver & Fleet Manager Portal
FRONT-OFFICE Dealer & Broker Portal
FRONT-OFFICE Vehicle & Asset Configurator
FRONT-OFFICE Value Added Products & Services
FRONT-OFFICE Salary Sacrifice Portal
FRONT-OFFICE Matrix Pricing
FRONT-OFFICE Public Sector Portal
MID-OFFICE

Mid-Office

MID-OFFICE Credit Decisioning & Risk Management
MID-OFFICE Application Management
MID-OFFICE Digital Processing (e-Signature)
MID-OFFICE Digital Processing (e-ID)
MID-OFFICE Pre-contract Activities & Checks
MID-OFFICE Payout Activation & Verification
MID-OFFICE Order Management
MID-OFFICE Product & Pricing Configurator
MID-OFFICE Vehicle Data Management
MID-OFFICE Master Lease Agreement & Key Account Configurator
MID-OFFICE Credit Line Management
BACK-OFFICE

Back-Office

BACK-OFFICE Service Centre Portal
BACK-OFFICE Contract Management & Accounting
BACK-OFFICE Accounts Payable
BACK-OFFICE Accounts Receivable
BACK-OFFICE In-Life Services
BACK-OFFICE Collections & Arrears Management
BACK-OFFICE End-of-Contract
BACK-OFFICE Asset Return & Inspection
BACK-OFFICE Maintenance & Repairs
BACK-OFFICE Supplier & Third Party Interfaces
BACK-OFFICE Supplier & Dealer Network Management
BPAE

Business Process Automation Engine (BPAE)

BPAE Workflow Engine
BPAE Rules Engine
BPAE Integration Hub
BPAE Information Collection Engine (ICE)
SHARED SERVICES

Shared Services

SHARED SERVICES Cloud & Dedicated Hosting Services
SHARED SERVICES Admin & Security
SHARED SERVICES Component Manager
SHARED SERVICES Operational Reporting
SHARED SERVICES Business Data Interface
SHARED SERVICES Business Partner Management
SHARED SERVICES Case Management
SHARED SERVICES Calculation Engine
SHARED SERVICES Electronic Document Management
SHARED SERVICES Proposal Interface
SHARED SERVICES Open APIs