To improve control, planning and performance of activities that involve fund raising, loans, financing, collection and discount, receivables and operations with intervention, treasury, accounting, legal and tax reports, using best market tools and practices, and focusing on operational excellence.
CHALLENGES
Scale gain.
Information agility and security.
Single process of Credit Management for the entire institution.
Credit granting process automation.
Balance between fast service and strict credit analysis.
Management of delinquent portfolio.
Reliability in process of integration with internal and external solutions.
Meet client's demands on a fast and efficient basis.
Innovation and growth through the supply of differentiated products.
New clients and improvement of client loyalty.
Compliance with legal and market demands.
Cost reduction.
SOLUTIONS
Personal loan, CDC, Vehicles, Amendment (INSS/Public/Private), Local Pass-Through, Foreign Pass-Through, Intervention, Leasing, Bank Collection, Discount, Guarantee, Assets, Prepayment of Receivables, Microcredit.
Delinquent Portfolio Management, Customer Service Center, Refinancing, Debt Acquisition, Credit Assignment, Checks Held in Custody, Insurance and Commission.
Solution of Credit Granting (Workflow) in Web with Proposal Capture, Simulations, Contract Printing, Payment Booklet Printing, Check Reading/Printing, Document Control and Image Capture.
Credit authorization.
Treasury control (accounts receivable and time deposit).
Solution for generation of all legal reports required by regulatory agencies.
Management solution for performance evaluation in different levels of the institution.
Automation of processes.
RESULTS ACHIEVED
Safety in financial operations.
Total accuracy in financial calculations.
Compliance with legal, market and client requirements.
Mitigation of operational risks.
Submission of accurate information to legal and market bodies.
Decrease in time for credit granting.
Decrease in credit risk.
Access to main Credit Protection Databases.
Analysis of 100% of proposals according to policies of the institution.
Control of delinquent and granted credit portfolios.
Compliance with Tax and Accounting requirements of Brazilian Central Bank (balances, risk, forecasts, etc.).
Integration among Front, Middle and Back Office areas.
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