Managing credit obligations is a key challenge for financial institutions. This is due to the natural risk of default. The problem can affect any customer - individual and business one - especially in the case of long-term loans. Therefore, an effective strategy for managing the portfolio of non-performing loans (NPL) is essential. Supporting debt collection with the right system makes it possible to reach an optimal agreement for both parties. Only if there is no effective cooperation does the bank initiate enforcement proceedings.
How does Asseco DC help in successful debt collection?
The Asseco DC system supports collection departments by providing comprehensive insight into the status of debts and details of the contract being collected. Thanks to its advanced integration with the transaction system, the intuitive user dashboard presents complete data about the client and its liabilities, enabling efficient decision-making. The solution can function as a standalone system or work with other platforms, providing flexibility and full compatibility with the bank's infrastructure.
Explore the innovative features of Asseco DC
Asseco DC allows you to optimize processes, increase operational efficiency and improve customer satisfaction. The system offers, among other things:
automatic account monitoring
automatic identification of cases at risk
reminders
integration with other banking systems
automatic communication to customers
Define your own debt collection strategies
The Asseco DC system allows you to define your own debt collection strategies and rules of conduct to create a debt collection path based on:
customer data (including additional data defined by the bank)
contracts with the customer (including additional information defined by the bank)
security
experience from the implementation of debt collection processes in relation to a given client
The recovery path is implemented for a given contract. Activities can be performed automatically. It is also possible to include additional procedures initiated by the advisor. The system allows you to personalize the contract collection process by, among other things, disabling the automatic path assignment mechanism, enabling a different path, or adding your own collection activities. The entire collection policy of the Bank is written in rules, which are a logical interpretation of the Bank's regulations. With rules, collection decisions can be made fully automatically.
What else can Asseco DC do
The system provides comprehensive support at every stage of the debt collection process. It increases efficiency and reduces the bank's operational and financial risks.
"soft" debt collection by a bank employee
automatic, mass handling of cases
DPD observation - number of days of delay in repayment
individual case management
opportunity to cooperate with law firms and debt collection companies
treasury, court, bailiff costs - fees for activities carried out at the bank
procedural dependence on the state of the contract and bank policy
qualification of cases into paths based on the size of data about the client, contract, collateral
Beneficial effects of Asseco DC
Collections and customer service departments
Faster identification and earlier intervention in cases at risk of delay or default
Minimizing arrears and improving liquidity by streamlining pre-collection activities
Selection of the most effective methods of action based on the full history of cooperation with the customer
Better communication with the debtor, greater recovery efficiency and a positive customer experience for the future
Management and decision makers
Full transparency of the debt collection process, access to reports and analysis of the effectiveness of activities
Supporting strategic credit and collection policy decisions based on ongoing credit portfolio assessment
External partners working with the bank:
Efficient enforcement process thanks to easy and fast exchange of information with the bank
