Retail Finance

Contract Management System

Configure

Profitably manage and maintain lease and loan agreements from their start to their conclusion

CALMS loan servicing contract management system (CMS) is a sophisticated solution for managing the full lifecycle of contracts from activation through to settlement, maturity or renewal, and uses powerful tools for the full range of contract administration activities, including account review and request handling, contract changes, billing and accounting, maturity and termination, collections management, asset disposal etc.

For maximum operational agility CALMS CMS is separated into two strategic components:

  • InLife Servicing (user-interaction layer): portal-style contract management services, tracking all interactions with the back-end, with sophisticated case-management capabilities.
  • Contract Management Engine (transaction execution layer): rock-solid administration management for rigorously accurate, complete and consistent financial data.

Features

  • Full view of customer, contract and assets
  • Contract changes (financial and non-financial amendments, restructures, refinances, transfers, extensions, cancellations, reinstatements, etc.)
  • Comprehensive transactional detail and accounting (with support for various income spread methods)
  • Support for a broad range of financial products
  • Maturity and termination (early settlement, hostile termination, etc.)

Benefits

  • The In-Life component provides a cost improvement of up to 33% and all the tools necessary to profitably manage and maintain lease agreements during their lifetime
  • The Contract Management Engine provides all the tools required for easy configuration of financial products, with highly comprehensive interfaces to industry-standard General Ledgers, Credit Reporting Agencies and Asset Registers
  • Account search and overview features allow operators to deliver fast and accurate service
  • Configurable collections strategies focus collections staff time efficiently
  • Flexible component-based structure allows staged implementation or integration with existing client components
  • Self-service, chatbots and IVR components reduce call volumes
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Wholesale Finance

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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 Lead Management
FRONT-OFFICE Value Added Products & Services
FRONT-OFFICE Asset & Vehicle Configurator
FRONT-OFFICE Fleet Lite
FRONT-OFFICE Dealer & Broker Portal
FRONT-OFFICE Web Calculation Tool
FRONT-OFFICE Customer Direct
MID-OFFICE

Mid-Office

MID-OFFICE Vehicle Data Management
MID-OFFICE Asset Data Management
MID-OFFICE Self-billing
MID-OFFICE Payout Activation & Verification
MID-OFFICE Digital Processing (e-ID)
MID-OFFICE Digital Processing (e-Signature)
MID-OFFICE Pre-contract Activities & Checks
MID-OFFICE Credit Decisioning & Risk Management
MID-OFFICE Application Management
MID-OFFICE Credit Line Management
MID-OFFICE Product & Pricing Configurator
BACK-OFFICE

Back-Office

BACK-OFFICE Lead Management
BACK-OFFICE Customer Self-Serve
BACK-OFFICE Asset Return & Inspection
BACK-OFFICE End-of-Contract
BACK-OFFICE Service Centre Portal
BACK-OFFICE Collections & Arrears Management
BACK-OFFICE In-Life Services
BACK-OFFICE Accounts Payable
BACK-OFFICE Accounts Receivable
BACK-OFFICE Contract Management & Accounting
BPAE

Business Process Automation Engine (BPAE)

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

Shared Services

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