Mi fin financial product suite
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19-Oct-2014 -
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Technology
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Transcript of Mi fin financial product suite
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
miFINFinancial Product Suite
1
QUALTECH CONSULTANTS
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
IT Consulting and Services organization set up in 2003 by a group of experienced
financial services and technology professionals We are headquartered in New Delhi
with services spread across the globe
Strong Portfolio
of well-known
Financial
Services
organizations
Need-based
offerings-
Products
Solutions and
Services ndash each
providing a
different value
proposition
HQ New Delhi
India
Clients India
US UK EU
Vietnam
Strength 120+
2
Qualtech Consultants
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Ashish Srivastava Head Product Development
Saurabh Chandra Head Business Development
bull 12 years of experience in Technology Strategy Execution and Business Development
bull Responsible for the overall growth and direction of the company with primarily involvement in
Strategy and Relationship Management
bull Prior work-ex with CitiFinancial
bull Experienced in devising technology strategy and delivering large technology projects in domestic
and international markets
bull B Tech from IIT-Kanpur
Manish Kankani CEO
Management Team
3
bull 12 years of experience in Technology Strategy and Execution
bull Responsible for ensuring Project Delivery and Quality Assurance
bull Prior work-ex with the leading Indian Software giant ndash Infosys
bull Has handled medium to large scale development and maintenance projects in US and Asia Pacific
bull BTech from IIT-Kanpur
bull 9 years of experience in Technology Strategy Execution and Sales
bull Responsible for Business Development and Relationship Management
bull Led multiple country implementations across Consumer Finance and Core Banking systems
bull Prior Work-ex with SampC and Citigroup
bull MBA from IIM-Lucknow and BTech from IIT-Kanpur
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Products amp Services
Services IT Consulting
IT Services
Program Management
Product Solution Evaluation
Product Implementation
Business Intelligence
Product Outsourcing
Application Development
Testing Services Manual amp Automation
Offshore Development Center (ODC)
Application Management amp Support
Products miFIN Financial Product Suite
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Partial Client List
ONUS
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Sample Case Studies miFIN
bull miFIN LLM ndash Loan Origination Servicing and Collections module for Karvy Finance
ndash Comprehensive Integrated Technology Platform for Loans as well as Distribution Products
ndash Implemented multi-product portfolio LAG LAP LAS etc with different workflows for
different products
ndash Responsible for the entire product implementation lifecycle for the customer from
requirement gathering to UAT to post deployment support
ndash Customer opted for our solution instead of competitors owing to
bull Breadth and Depth of Domain knowledge
bull Our focus and credibility in the field of customer service
bull Strength of Solution in the area of controls and high volume transaction processing
with features like auto deviation Receipt and Clearance Uploads Reconciliation
Incentive Management etc
ndash Deployment Platform WAS and SQL Server on Windows2003 Server
bull miFIN LLM ndash Customer Acquisition module for a Retail Finance MNC
ndash The first technology touchpoint for New Loan Application Entry
ndash 2-way interface for data exchange with the existing Loan Processing System
ndash Web Based System with central deployment and hubbranch based access
ndash Implemented Value Added Feature like Dual Data Entry Mechanism
ndash Deployment Platform WAS and Oracle on AIX
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Client Testimonials
ldquoCustomer focused Quality conscious and agile Qualtech has delivered whatever it has promised The team is very energized and works in highly professional manner apart from having high understanding pickup of business logics Their domain knowledge and expertise in BI technology is remarkable and services of best standards They implemented an enterprise data warehouse for us from strategy to execution and they made it look easyrdquo
ldquoWe have an unconventional view of the Indian financial market Thus we evaluated various traditional Loan Systems available in the market on different parameters including depth and breadth of features Finally we selected Qualtechrsquos miFIN platform and we are happy we made the right choice Besides the product the complete ownership character of Qualtech assures us that we donrsquot have to waste quality time over-managing our IT relationship Conceptually sound contextually aware they have an excellent team Highly recommendedrdquo
COO KARVY Financial
Head Analytics Future Capital Holding
7
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
miFIN
Financial Product Suite
8
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Supports Multiple
Financial
Business
ProcessesLending
Insurance Cards
Collections
Automated
AccountingConfigurable Chart
of ACs
Online Financial
Entries
Automatic Financial
Reconciliation
Highly
Configurable amp
scalableDynamic business
parameters
Configurable
Workflow
to help business map
its business process
on system not vice-
versa
miFIN
Financial suite
miFIN ndashSalient Features
Detailed
Information
CaptureIndividual and personal
data capture income
liabilities KYC norms
documents etc
Web and Mobile
based system
built on n-tier
architectureBuilt using Industry
standard technology
platform
J2EE J2ME
9
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Lead Management System
Customer Acquisition System
Deduplication System
Loan Origination System - LOS
Loan Servicing and Management
Collections
Customer Service Module
Reporting and Communications Module
General Ledger and Reconciliation Framework
Incentive System
Mobile Workforce
Managers Dashboard Suite
miFIN ndash Modules
10
Available as an Integrated Platform or Independent Module(s) with well defined
integration interface
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
IT Consulting and Services organization set up in 2003 by a group of experienced
financial services and technology professionals We are headquartered in New Delhi
with services spread across the globe
Strong Portfolio
of well-known
Financial
Services
organizations
Need-based
offerings-
Products
Solutions and
Services ndash each
providing a
different value
proposition
HQ New Delhi
India
Clients India
US UK EU
Vietnam
Strength 120+
2
Qualtech Consultants
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Ashish Srivastava Head Product Development
Saurabh Chandra Head Business Development
bull 12 years of experience in Technology Strategy Execution and Business Development
bull Responsible for the overall growth and direction of the company with primarily involvement in
Strategy and Relationship Management
bull Prior work-ex with CitiFinancial
bull Experienced in devising technology strategy and delivering large technology projects in domestic
and international markets
bull B Tech from IIT-Kanpur
Manish Kankani CEO
Management Team
3
bull 12 years of experience in Technology Strategy and Execution
bull Responsible for ensuring Project Delivery and Quality Assurance
bull Prior work-ex with the leading Indian Software giant ndash Infosys
bull Has handled medium to large scale development and maintenance projects in US and Asia Pacific
bull BTech from IIT-Kanpur
bull 9 years of experience in Technology Strategy Execution and Sales
bull Responsible for Business Development and Relationship Management
bull Led multiple country implementations across Consumer Finance and Core Banking systems
bull Prior Work-ex with SampC and Citigroup
bull MBA from IIM-Lucknow and BTech from IIT-Kanpur
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Products amp Services
Services IT Consulting
IT Services
Program Management
Product Solution Evaluation
Product Implementation
Business Intelligence
Product Outsourcing
Application Development
Testing Services Manual amp Automation
Offshore Development Center (ODC)
Application Management amp Support
Products miFIN Financial Product Suite
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Partial Client List
ONUS
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Sample Case Studies miFIN
bull miFIN LLM ndash Loan Origination Servicing and Collections module for Karvy Finance
ndash Comprehensive Integrated Technology Platform for Loans as well as Distribution Products
ndash Implemented multi-product portfolio LAG LAP LAS etc with different workflows for
different products
ndash Responsible for the entire product implementation lifecycle for the customer from
requirement gathering to UAT to post deployment support
ndash Customer opted for our solution instead of competitors owing to
bull Breadth and Depth of Domain knowledge
bull Our focus and credibility in the field of customer service
bull Strength of Solution in the area of controls and high volume transaction processing
with features like auto deviation Receipt and Clearance Uploads Reconciliation
Incentive Management etc
ndash Deployment Platform WAS and SQL Server on Windows2003 Server
bull miFIN LLM ndash Customer Acquisition module for a Retail Finance MNC
ndash The first technology touchpoint for New Loan Application Entry
ndash 2-way interface for data exchange with the existing Loan Processing System
ndash Web Based System with central deployment and hubbranch based access
ndash Implemented Value Added Feature like Dual Data Entry Mechanism
ndash Deployment Platform WAS and Oracle on AIX
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Client Testimonials
ldquoCustomer focused Quality conscious and agile Qualtech has delivered whatever it has promised The team is very energized and works in highly professional manner apart from having high understanding pickup of business logics Their domain knowledge and expertise in BI technology is remarkable and services of best standards They implemented an enterprise data warehouse for us from strategy to execution and they made it look easyrdquo
ldquoWe have an unconventional view of the Indian financial market Thus we evaluated various traditional Loan Systems available in the market on different parameters including depth and breadth of features Finally we selected Qualtechrsquos miFIN platform and we are happy we made the right choice Besides the product the complete ownership character of Qualtech assures us that we donrsquot have to waste quality time over-managing our IT relationship Conceptually sound contextually aware they have an excellent team Highly recommendedrdquo
COO KARVY Financial
Head Analytics Future Capital Holding
7
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
miFIN
Financial Product Suite
8
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Supports Multiple
Financial
Business
ProcessesLending
Insurance Cards
Collections
Automated
AccountingConfigurable Chart
of ACs
Online Financial
Entries
Automatic Financial
Reconciliation
Highly
Configurable amp
scalableDynamic business
parameters
Configurable
Workflow
to help business map
its business process
on system not vice-
versa
miFIN
Financial suite
miFIN ndashSalient Features
Detailed
Information
CaptureIndividual and personal
data capture income
liabilities KYC norms
documents etc
Web and Mobile
based system
built on n-tier
architectureBuilt using Industry
standard technology
platform
J2EE J2ME
9
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Lead Management System
Customer Acquisition System
Deduplication System
Loan Origination System - LOS
Loan Servicing and Management
Collections
Customer Service Module
Reporting and Communications Module
General Ledger and Reconciliation Framework
Incentive System
Mobile Workforce
Managers Dashboard Suite
miFIN ndash Modules
10
Available as an Integrated Platform or Independent Module(s) with well defined
integration interface
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Ashish Srivastava Head Product Development
Saurabh Chandra Head Business Development
bull 12 years of experience in Technology Strategy Execution and Business Development
bull Responsible for the overall growth and direction of the company with primarily involvement in
Strategy and Relationship Management
bull Prior work-ex with CitiFinancial
bull Experienced in devising technology strategy and delivering large technology projects in domestic
and international markets
bull B Tech from IIT-Kanpur
Manish Kankani CEO
Management Team
3
bull 12 years of experience in Technology Strategy and Execution
bull Responsible for ensuring Project Delivery and Quality Assurance
bull Prior work-ex with the leading Indian Software giant ndash Infosys
bull Has handled medium to large scale development and maintenance projects in US and Asia Pacific
bull BTech from IIT-Kanpur
bull 9 years of experience in Technology Strategy Execution and Sales
bull Responsible for Business Development and Relationship Management
bull Led multiple country implementations across Consumer Finance and Core Banking systems
bull Prior Work-ex with SampC and Citigroup
bull MBA from IIM-Lucknow and BTech from IIT-Kanpur
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Products amp Services
Services IT Consulting
IT Services
Program Management
Product Solution Evaluation
Product Implementation
Business Intelligence
Product Outsourcing
Application Development
Testing Services Manual amp Automation
Offshore Development Center (ODC)
Application Management amp Support
Products miFIN Financial Product Suite
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Partial Client List
ONUS
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Sample Case Studies miFIN
bull miFIN LLM ndash Loan Origination Servicing and Collections module for Karvy Finance
ndash Comprehensive Integrated Technology Platform for Loans as well as Distribution Products
ndash Implemented multi-product portfolio LAG LAP LAS etc with different workflows for
different products
ndash Responsible for the entire product implementation lifecycle for the customer from
requirement gathering to UAT to post deployment support
ndash Customer opted for our solution instead of competitors owing to
bull Breadth and Depth of Domain knowledge
bull Our focus and credibility in the field of customer service
bull Strength of Solution in the area of controls and high volume transaction processing
with features like auto deviation Receipt and Clearance Uploads Reconciliation
Incentive Management etc
ndash Deployment Platform WAS and SQL Server on Windows2003 Server
bull miFIN LLM ndash Customer Acquisition module for a Retail Finance MNC
ndash The first technology touchpoint for New Loan Application Entry
ndash 2-way interface for data exchange with the existing Loan Processing System
ndash Web Based System with central deployment and hubbranch based access
ndash Implemented Value Added Feature like Dual Data Entry Mechanism
ndash Deployment Platform WAS and Oracle on AIX
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Client Testimonials
ldquoCustomer focused Quality conscious and agile Qualtech has delivered whatever it has promised The team is very energized and works in highly professional manner apart from having high understanding pickup of business logics Their domain knowledge and expertise in BI technology is remarkable and services of best standards They implemented an enterprise data warehouse for us from strategy to execution and they made it look easyrdquo
ldquoWe have an unconventional view of the Indian financial market Thus we evaluated various traditional Loan Systems available in the market on different parameters including depth and breadth of features Finally we selected Qualtechrsquos miFIN platform and we are happy we made the right choice Besides the product the complete ownership character of Qualtech assures us that we donrsquot have to waste quality time over-managing our IT relationship Conceptually sound contextually aware they have an excellent team Highly recommendedrdquo
COO KARVY Financial
Head Analytics Future Capital Holding
7
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
miFIN
Financial Product Suite
8
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Supports Multiple
Financial
Business
ProcessesLending
Insurance Cards
Collections
Automated
AccountingConfigurable Chart
of ACs
Online Financial
Entries
Automatic Financial
Reconciliation
Highly
Configurable amp
scalableDynamic business
parameters
Configurable
Workflow
to help business map
its business process
on system not vice-
versa
miFIN
Financial suite
miFIN ndashSalient Features
Detailed
Information
CaptureIndividual and personal
data capture income
liabilities KYC norms
documents etc
Web and Mobile
based system
built on n-tier
architectureBuilt using Industry
standard technology
platform
J2EE J2ME
9
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Lead Management System
Customer Acquisition System
Deduplication System
Loan Origination System - LOS
Loan Servicing and Management
Collections
Customer Service Module
Reporting and Communications Module
General Ledger and Reconciliation Framework
Incentive System
Mobile Workforce
Managers Dashboard Suite
miFIN ndash Modules
10
Available as an Integrated Platform or Independent Module(s) with well defined
integration interface
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Products amp Services
Services IT Consulting
IT Services
Program Management
Product Solution Evaluation
Product Implementation
Business Intelligence
Product Outsourcing
Application Development
Testing Services Manual amp Automation
Offshore Development Center (ODC)
Application Management amp Support
Products miFIN Financial Product Suite
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Partial Client List
ONUS
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Sample Case Studies miFIN
bull miFIN LLM ndash Loan Origination Servicing and Collections module for Karvy Finance
ndash Comprehensive Integrated Technology Platform for Loans as well as Distribution Products
ndash Implemented multi-product portfolio LAG LAP LAS etc with different workflows for
different products
ndash Responsible for the entire product implementation lifecycle for the customer from
requirement gathering to UAT to post deployment support
ndash Customer opted for our solution instead of competitors owing to
bull Breadth and Depth of Domain knowledge
bull Our focus and credibility in the field of customer service
bull Strength of Solution in the area of controls and high volume transaction processing
with features like auto deviation Receipt and Clearance Uploads Reconciliation
Incentive Management etc
ndash Deployment Platform WAS and SQL Server on Windows2003 Server
bull miFIN LLM ndash Customer Acquisition module for a Retail Finance MNC
ndash The first technology touchpoint for New Loan Application Entry
ndash 2-way interface for data exchange with the existing Loan Processing System
ndash Web Based System with central deployment and hubbranch based access
ndash Implemented Value Added Feature like Dual Data Entry Mechanism
ndash Deployment Platform WAS and Oracle on AIX
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Client Testimonials
ldquoCustomer focused Quality conscious and agile Qualtech has delivered whatever it has promised The team is very energized and works in highly professional manner apart from having high understanding pickup of business logics Their domain knowledge and expertise in BI technology is remarkable and services of best standards They implemented an enterprise data warehouse for us from strategy to execution and they made it look easyrdquo
ldquoWe have an unconventional view of the Indian financial market Thus we evaluated various traditional Loan Systems available in the market on different parameters including depth and breadth of features Finally we selected Qualtechrsquos miFIN platform and we are happy we made the right choice Besides the product the complete ownership character of Qualtech assures us that we donrsquot have to waste quality time over-managing our IT relationship Conceptually sound contextually aware they have an excellent team Highly recommendedrdquo
COO KARVY Financial
Head Analytics Future Capital Holding
7
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
miFIN
Financial Product Suite
8
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Supports Multiple
Financial
Business
ProcessesLending
Insurance Cards
Collections
Automated
AccountingConfigurable Chart
of ACs
Online Financial
Entries
Automatic Financial
Reconciliation
Highly
Configurable amp
scalableDynamic business
parameters
Configurable
Workflow
to help business map
its business process
on system not vice-
versa
miFIN
Financial suite
miFIN ndashSalient Features
Detailed
Information
CaptureIndividual and personal
data capture income
liabilities KYC norms
documents etc
Web and Mobile
based system
built on n-tier
architectureBuilt using Industry
standard technology
platform
J2EE J2ME
9
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Lead Management System
Customer Acquisition System
Deduplication System
Loan Origination System - LOS
Loan Servicing and Management
Collections
Customer Service Module
Reporting and Communications Module
General Ledger and Reconciliation Framework
Incentive System
Mobile Workforce
Managers Dashboard Suite
miFIN ndash Modules
10
Available as an Integrated Platform or Independent Module(s) with well defined
integration interface
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Partial Client List
ONUS
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Sample Case Studies miFIN
bull miFIN LLM ndash Loan Origination Servicing and Collections module for Karvy Finance
ndash Comprehensive Integrated Technology Platform for Loans as well as Distribution Products
ndash Implemented multi-product portfolio LAG LAP LAS etc with different workflows for
different products
ndash Responsible for the entire product implementation lifecycle for the customer from
requirement gathering to UAT to post deployment support
ndash Customer opted for our solution instead of competitors owing to
bull Breadth and Depth of Domain knowledge
bull Our focus and credibility in the field of customer service
bull Strength of Solution in the area of controls and high volume transaction processing
with features like auto deviation Receipt and Clearance Uploads Reconciliation
Incentive Management etc
ndash Deployment Platform WAS and SQL Server on Windows2003 Server
bull miFIN LLM ndash Customer Acquisition module for a Retail Finance MNC
ndash The first technology touchpoint for New Loan Application Entry
ndash 2-way interface for data exchange with the existing Loan Processing System
ndash Web Based System with central deployment and hubbranch based access
ndash Implemented Value Added Feature like Dual Data Entry Mechanism
ndash Deployment Platform WAS and Oracle on AIX
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Client Testimonials
ldquoCustomer focused Quality conscious and agile Qualtech has delivered whatever it has promised The team is very energized and works in highly professional manner apart from having high understanding pickup of business logics Their domain knowledge and expertise in BI technology is remarkable and services of best standards They implemented an enterprise data warehouse for us from strategy to execution and they made it look easyrdquo
ldquoWe have an unconventional view of the Indian financial market Thus we evaluated various traditional Loan Systems available in the market on different parameters including depth and breadth of features Finally we selected Qualtechrsquos miFIN platform and we are happy we made the right choice Besides the product the complete ownership character of Qualtech assures us that we donrsquot have to waste quality time over-managing our IT relationship Conceptually sound contextually aware they have an excellent team Highly recommendedrdquo
COO KARVY Financial
Head Analytics Future Capital Holding
7
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
miFIN
Financial Product Suite
8
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Supports Multiple
Financial
Business
ProcessesLending
Insurance Cards
Collections
Automated
AccountingConfigurable Chart
of ACs
Online Financial
Entries
Automatic Financial
Reconciliation
Highly
Configurable amp
scalableDynamic business
parameters
Configurable
Workflow
to help business map
its business process
on system not vice-
versa
miFIN
Financial suite
miFIN ndashSalient Features
Detailed
Information
CaptureIndividual and personal
data capture income
liabilities KYC norms
documents etc
Web and Mobile
based system
built on n-tier
architectureBuilt using Industry
standard technology
platform
J2EE J2ME
9
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Lead Management System
Customer Acquisition System
Deduplication System
Loan Origination System - LOS
Loan Servicing and Management
Collections
Customer Service Module
Reporting and Communications Module
General Ledger and Reconciliation Framework
Incentive System
Mobile Workforce
Managers Dashboard Suite
miFIN ndash Modules
10
Available as an Integrated Platform or Independent Module(s) with well defined
integration interface
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Sample Case Studies miFIN
bull miFIN LLM ndash Loan Origination Servicing and Collections module for Karvy Finance
ndash Comprehensive Integrated Technology Platform for Loans as well as Distribution Products
ndash Implemented multi-product portfolio LAG LAP LAS etc with different workflows for
different products
ndash Responsible for the entire product implementation lifecycle for the customer from
requirement gathering to UAT to post deployment support
ndash Customer opted for our solution instead of competitors owing to
bull Breadth and Depth of Domain knowledge
bull Our focus and credibility in the field of customer service
bull Strength of Solution in the area of controls and high volume transaction processing
with features like auto deviation Receipt and Clearance Uploads Reconciliation
Incentive Management etc
ndash Deployment Platform WAS and SQL Server on Windows2003 Server
bull miFIN LLM ndash Customer Acquisition module for a Retail Finance MNC
ndash The first technology touchpoint for New Loan Application Entry
ndash 2-way interface for data exchange with the existing Loan Processing System
ndash Web Based System with central deployment and hubbranch based access
ndash Implemented Value Added Feature like Dual Data Entry Mechanism
ndash Deployment Platform WAS and Oracle on AIX
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Client Testimonials
ldquoCustomer focused Quality conscious and agile Qualtech has delivered whatever it has promised The team is very energized and works in highly professional manner apart from having high understanding pickup of business logics Their domain knowledge and expertise in BI technology is remarkable and services of best standards They implemented an enterprise data warehouse for us from strategy to execution and they made it look easyrdquo
ldquoWe have an unconventional view of the Indian financial market Thus we evaluated various traditional Loan Systems available in the market on different parameters including depth and breadth of features Finally we selected Qualtechrsquos miFIN platform and we are happy we made the right choice Besides the product the complete ownership character of Qualtech assures us that we donrsquot have to waste quality time over-managing our IT relationship Conceptually sound contextually aware they have an excellent team Highly recommendedrdquo
COO KARVY Financial
Head Analytics Future Capital Holding
7
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
miFIN
Financial Product Suite
8
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Supports Multiple
Financial
Business
ProcessesLending
Insurance Cards
Collections
Automated
AccountingConfigurable Chart
of ACs
Online Financial
Entries
Automatic Financial
Reconciliation
Highly
Configurable amp
scalableDynamic business
parameters
Configurable
Workflow
to help business map
its business process
on system not vice-
versa
miFIN
Financial suite
miFIN ndashSalient Features
Detailed
Information
CaptureIndividual and personal
data capture income
liabilities KYC norms
documents etc
Web and Mobile
based system
built on n-tier
architectureBuilt using Industry
standard technology
platform
J2EE J2ME
9
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Lead Management System
Customer Acquisition System
Deduplication System
Loan Origination System - LOS
Loan Servicing and Management
Collections
Customer Service Module
Reporting and Communications Module
General Ledger and Reconciliation Framework
Incentive System
Mobile Workforce
Managers Dashboard Suite
miFIN ndash Modules
10
Available as an Integrated Platform or Independent Module(s) with well defined
integration interface
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Client Testimonials
ldquoCustomer focused Quality conscious and agile Qualtech has delivered whatever it has promised The team is very energized and works in highly professional manner apart from having high understanding pickup of business logics Their domain knowledge and expertise in BI technology is remarkable and services of best standards They implemented an enterprise data warehouse for us from strategy to execution and they made it look easyrdquo
ldquoWe have an unconventional view of the Indian financial market Thus we evaluated various traditional Loan Systems available in the market on different parameters including depth and breadth of features Finally we selected Qualtechrsquos miFIN platform and we are happy we made the right choice Besides the product the complete ownership character of Qualtech assures us that we donrsquot have to waste quality time over-managing our IT relationship Conceptually sound contextually aware they have an excellent team Highly recommendedrdquo
COO KARVY Financial
Head Analytics Future Capital Holding
7
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
miFIN
Financial Product Suite
8
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Supports Multiple
Financial
Business
ProcessesLending
Insurance Cards
Collections
Automated
AccountingConfigurable Chart
of ACs
Online Financial
Entries
Automatic Financial
Reconciliation
Highly
Configurable amp
scalableDynamic business
parameters
Configurable
Workflow
to help business map
its business process
on system not vice-
versa
miFIN
Financial suite
miFIN ndashSalient Features
Detailed
Information
CaptureIndividual and personal
data capture income
liabilities KYC norms
documents etc
Web and Mobile
based system
built on n-tier
architectureBuilt using Industry
standard technology
platform
J2EE J2ME
9
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Lead Management System
Customer Acquisition System
Deduplication System
Loan Origination System - LOS
Loan Servicing and Management
Collections
Customer Service Module
Reporting and Communications Module
General Ledger and Reconciliation Framework
Incentive System
Mobile Workforce
Managers Dashboard Suite
miFIN ndash Modules
10
Available as an Integrated Platform or Independent Module(s) with well defined
integration interface
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
miFIN
Financial Product Suite
8
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Supports Multiple
Financial
Business
ProcessesLending
Insurance Cards
Collections
Automated
AccountingConfigurable Chart
of ACs
Online Financial
Entries
Automatic Financial
Reconciliation
Highly
Configurable amp
scalableDynamic business
parameters
Configurable
Workflow
to help business map
its business process
on system not vice-
versa
miFIN
Financial suite
miFIN ndashSalient Features
Detailed
Information
CaptureIndividual and personal
data capture income
liabilities KYC norms
documents etc
Web and Mobile
based system
built on n-tier
architectureBuilt using Industry
standard technology
platform
J2EE J2ME
9
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Lead Management System
Customer Acquisition System
Deduplication System
Loan Origination System - LOS
Loan Servicing and Management
Collections
Customer Service Module
Reporting and Communications Module
General Ledger and Reconciliation Framework
Incentive System
Mobile Workforce
Managers Dashboard Suite
miFIN ndash Modules
10
Available as an Integrated Platform or Independent Module(s) with well defined
integration interface
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Supports Multiple
Financial
Business
ProcessesLending
Insurance Cards
Collections
Automated
AccountingConfigurable Chart
of ACs
Online Financial
Entries
Automatic Financial
Reconciliation
Highly
Configurable amp
scalableDynamic business
parameters
Configurable
Workflow
to help business map
its business process
on system not vice-
versa
miFIN
Financial suite
miFIN ndashSalient Features
Detailed
Information
CaptureIndividual and personal
data capture income
liabilities KYC norms
documents etc
Web and Mobile
based system
built on n-tier
architectureBuilt using Industry
standard technology
platform
J2EE J2ME
9
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Lead Management System
Customer Acquisition System
Deduplication System
Loan Origination System - LOS
Loan Servicing and Management
Collections
Customer Service Module
Reporting and Communications Module
General Ledger and Reconciliation Framework
Incentive System
Mobile Workforce
Managers Dashboard Suite
miFIN ndash Modules
10
Available as an Integrated Platform or Independent Module(s) with well defined
integration interface
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Lead Management System
Customer Acquisition System
Deduplication System
Loan Origination System - LOS
Loan Servicing and Management
Collections
Customer Service Module
Reporting and Communications Module
General Ledger and Reconciliation Framework
Incentive System
Mobile Workforce
Managers Dashboard Suite
miFIN ndash Modules
10
Available as an Integrated Platform or Independent Module(s) with well defined
integration interface
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Functional Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Application Security
How secure is the
Application
Configurable Maker Checker
controls
12
Detailed Audit trails with
timestamps
Configurable Password
Management
Non-Repudiable
Transactions
Need based Role Definition
Data and Authority based
Access
Differentiation between
View and Edit Access
Implements Industry
Standard Password
Encryption
HTTPS Enabled
User ID amp Password based
Authentication
Authentication Authorisation Audit amp Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS - Customer Acquisition System
13
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Comprehensive Information Capture
bull Quick Data Entry mechanism
bull Capture and Retrieve Customer Photographs
bull Comprehensive capture of information such
as
ndash Demographic
ndash FamilyGroup details
ndash Assets and Liabilities Details
ndash Bank Account( if any)
ndash Multiple Addresses (existingprevious)
ndash Detailed KYC Documentation
bull Verification
bull Document Management
bull Auto and Manual Exception Handling
bull Notepad to share and capture information
bull Comprehensive Charges Module
bull Sourcing and Fulfillment Channels Capture
Features Benefits to Business
bull Reduced Aquisition Time
bull Complete Information available for
mining and analysis enables
ndash Building Credit History
ndash Identifying KPIs
ndash Analysing Trends
ndash Building Management
Dashboards
ndash Helps identify
profitablenegative areas over
time
bull Ensure compliance to product
program
bull Ensure profitability at customer level
14
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS- Features
bull Product level verification initiation
ndash Initiate and track various kind of
verification
ndash FIProperty visit
ndash TVR
ndash Detailed Information Capture ndash
verification type verification done by
datetime remarks and status
15
N Level Geography and Product hierarchy
Location Level Configuration for
bull Sales Manager
bull Valuation Officer
bull Branch Manager
bull Sourcing and Fulfillment Channels
bull Users
RoleUser Level Configuration for
bull Menu Access
bull Data Access
bull Deviation Authority
bull Underwriting Matrix
Configurations
Verification
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
CAS ndashFeatures
16
bull Driven by product
programs and regulatory
requirements
bull MandatoryNon-
mandatory
bull PrePost Aquisition
bull Tracking mechanism along
with deferrals waiversDocument Management
Deviations
bull Ability to raise and track
deviations
bull Configure deviation types and
deviation codes
bull Deviation Role Matrix
bull Resolved by only Authorized
Users
bull Configurable Auto-Deviation
Module
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Product Management
17
bull Product based Workflows
ndash Configurable Process Workflow at product level
ndash Allows business to map business processes on system
ndash Removes complexities allows users to self train
ndash Queue List Management
bull Product Level Configurations
ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective
Flat) MaxMin Interest Offset Max LTV Max DBR etc)
ndash Applicant Type (Individual Corporate SME others)
ndash Mandatory Charges with Default Max Min values
ndash Configurable Service Tax computation at Charge Level
ndash Mandatory Document type amp Document Name
ndash Mandatory Verifications
ndash Read only and Mandatory Fields on screen
ndash Decision levels
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Deduplication
18
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Powerful dedupe Quality Customer Aquisition
19
Ruleset
De-dupe
Engine
Flat file
feed
Data Entry
UI
Upload
Data
Parser
Host
Database
No Match
Exact
Match
Potential
Match
New
Customer
Existing
Customer
Existing
Customer
Review
Approve
Reject
Check Review
Data Source De-dupe Result Inference Decision
bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation
bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc
bull Product Specific Configurable Rule based De-dupe Engine
bull Score based Match Definition
bull Ability to show all linked relationships of matching Customer ID
bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc
bull Ability to perform searches on multiple databases
De-dupe triggered on
bull Active cases
bull Closed cases
bull Negative cases
bull Rejected cases
bull In processes cases
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS Loan Origination System
20
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LOS- Rich features provide economies of scope
Country
Region
Location
Branch
N-Level Geographical
Hierarchy
Portfolio
Product
Scheme
N-Level Product
Hierarchy
bull Web and Mobile enabled supports multi-branch and multi-product
implementations
bull Supports offline implementations
bull Advance Search Feature
bull Multiple Due Date and Cycle date Concept
bull Staggered and Multiple Disbursal Facility
bull Can be seamlessly integrated with existing core banking and MIS applications
bull Highly parameterized and scalable for scenario based handling of various
accounting parameters such as billings charges and accruals
bull Successfully tested for more than 1000 users
bull Generic and Flexible financial accounting handling
21
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Configurable Workflow Engine Examples
Cash Flow
Loan Details
NotepadDeviations Applicant Det
De-dupe
Documents
Verifications
Credit Decision
Disbursal Mak
Disbursal Auth
Loan Details
Deviations Documents
Documents
Applicant Det Notepad
De-dupe Verifications
Verifications
Cash Flow
Cash Flow
Credit Decision
Disbursal Mak
Disbursal Auth
Product Level Configurable Workflows
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Multiple Repayment Type
bull One Time Payments (OTP)
bull One Time Payments ndash
Upfront Interest
bull Interest Only Installments
bull Step up Interest ndash Variable
Interest depending on
Overdue period
bull Equated Installments
Flexible Repayment Frequency
bull Daily
bull Weekly
bull Fortnightly
bull Monthly
bull Quarterly
bull Half Yearly
bull Yearly
Pre-EMI amp Excess Interest
bull Configurable to Adjust in First
EMI
bull Option to take Pre-EMI as
Charge and short disburse
bull Can take Pre-EMI as
Installments
Installment Mode
bull Advance and Arrear
bull Option to take lsquoNrsquo EMIs in
Advance
Interest Type
bull Flat Interest Rate
bull Effective Interest Rate
LOS- Financial complexities simplified
Repayment Calculation
23
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Charges
bull Short disburse upfront
charges such as proc fee
loan insurance cover
bull Configure charges at
scheme level
bull Configurable Service Tax
bull Configurable for IRR
computation
bull Asset Booking - Booking
of principal interest
and other charge amts
in respective GLs
bull Verifies all deviation
bull Verifies charges
verification and de-
dupe results
bull Finalize Interest
Rates as per policy
guidelines
bull Approves amount
based on eligibility
Credit DecisionSanction
LOS- Advance Features for multiple products
24
Disbursal
ndash Specialized Product Valuations like
bull Property Legal Technical
bull Gold
bull Securities Valuations
ndash Ability to handle multiple products
like
bull Mortgages PL LAG LAS
Auto CD
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS Loan Management System
25
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA
LMS- Snapshot of Features
26
Loan Management System
Penal Interest Accrual
NPA
Amortization
Delinquency Calculationbull Configure Penal on Cash
basis or Accrual basis
bull Configurable Penal
Calculation Logic -
fixed per EMI on
actual overdue days and
overdue amt etc
bull Variable Penal Rates
depending on overdue
period
bull Ability to run daily or
monthly
bull Flexibility to continue
Income Booking post
Maturity till closure
bull 360365 day logics
bull Daily Monthly accrual
logics
bull Recognizes Stop Accrual
(for Non-Accrual Charged-
off loans)
bull Multiple
bull NPA stages ndash Regular
PDONA Writeoff
bull Configurable NPA
stages at Product and
DPD
bull Flexibility to stop and
restart accrual at loan
level
bull Flexibility to book
income expense
losses at write off
bull DPD and DPD string
bull Forward and backward
moving DPD
bull Bucket Calculation
depending on DPD
bull DPD string stamping at
month end
bull Ability to amortize fee as well as expenses
bull Configurable Amortization logics at charge
level - written down value or straight line
logic
Amortization
Delinquency Calculation
Penal Interest
Accrual
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
LMS- Powerful Receipts Module
bull Handles Multiple Txn Types Cash
Repayments Cancellations
Knockoff Waive-offs
bull Excess Handling Generation amp
Refunds
bull Configurable Appropriation Logic at
NPA Stage level Regular
Delinquent (PDO-NA) Written Off
cases
Receipts Module
27
bull Instrument Handling
bull Ability to handle multiple instruments
PDC OTC Draft Cash SI ECS
bull Swapping - Single Instrument Multiple
Instruments Repayment Mode
bull Bank Presentation Process
bull Billing
bull Retrieval amp Presentation
bull Realization Process
bull Re-Presentation
bull Hold Instrument from Banking
bull Batch Creation Process
bull Batch Type (New
Representation) Batch Size
bull Instrument type for Presentation
bull Banks and City
bull Uploads
bull Cheque and Cash Upload
bull Bank Clearance Uploads
bull Configurable Maker Checker
Controls
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios
Options in Rescheduling
Loan Extension
Top-up
Re-pricing
Interest Holiday
Part Payment
Auto and Manual FRR
Reageing
Case Level Rescheduling
Batch Rescheduling
Types of Rescheduling
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
NPA and Provisioning- Parameterization allows business to
implement policy matters easily while ensuring regulatory compliance
Repayments
Profit and LossDPDBucket movements
NPA classification Provisioning
bull Daily DPD DPD string and bucket calculation
bull Business-specific NPA classification at product level
bull Product x Bucket based provisioning flexibility
bull Automatic Integration with Ledger
bull Configurable handling for reinstatement
bull Configurable appropriation logics for different asset stage
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Foreclosure Early Payoff
Single step closure
bull Provides Product level prepayment penalty options
bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure
date even post maturity date
bull Simulation mode to aid Customer service officers compute closure amount as at
future date
bull Maker checker controls
bull Facility to waive off charges based on configuration and authority matrix
bull Integrated with Amortization and Accrual programs
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Financial Accounting and Reconciliation
Disbursal Repayment
ClosureRescheduling
Accrual Billing Charge off
others
Loan transactions
Ac Template Black-box
voucher generation
Reconciliation engine
bull Real time voucher generation with every transaction on lending (LOS and LMS)
side
bull Completely configurable accounting template (Product x GL code x Txn x NPA
Stage)
bull Lending-GL Financial Reconciliation engine ensures system health at all times
Aggregate Lending balance
Aggregate GL balance
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collections Management
32
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Collection Management
bull Flow of cases from source system
ndash What all parameters should flow
ndash What all cases should flow
ndash When should the cases flow
ndash Calculation of score for individual cases
ndash Score based case priorities
ndash Manual triggers to override scheduled runs
bull Contact Details Upload
bull Comprehensive Customer Communication
ndash Trigger based SMS Email alerts
ndash Ability to configure Email SMS Templates
bull Allocation of cases
ndash Manual amp automatic run
ndash Type of Allocation logic to run (Refresh Update)
ndash Frequency of allocation to run
ndash Allocation rules to be run (Group-wise Collector-wise)
Master Queue
Group NGroup 1 Group 2
Sub-Group X Collector
CollectorCollectorCollector
CollectorCollectorCollector
bull User amp Group Hierarchy
ndash Multiple queues
ndash N-level hierarchy
ndash User collector is the lowest level in
hierarchy
bull Receipt Book Management
ndash Inventory Definition and Management
ndash Allocation
ndash Usage and Control Reports
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
ndash Manual Escalation
ndash Automatic Escalation based
on escalation matrix
ndash To a higher level in group hierarchy
Collections- manages complete workflow of delinquent cases
Manual amp automatic run
Biz defined allocation logic
Schedulable frequency
Allocation rules
Action
Recording
Case Referrals across hierarchy
levels
Configurable co-allocation
based on biz parameters
Set for parent queue group
Manual Reallocation
Automatic Reallocation based on assignment duration
Action Recording
Workflow
Action Codes
Result Codes
Case State Codes
Escalations
Letters
Framework
Reports
ndash Stat card ndash configurable format
ndash Collection Dump Summary download
ndash Unallocated cases dump download
ndash Other reports on miFINrsquosreporting framework
ndash Define letters as templates
ndash Incur minimum recurring cost
with new letterstemplates
ReferralReallocation may or may not happen for a case in collection
34
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service
35
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Customer Service Module
Feature List
bull Categorisation and Sub-
Categorisation of Calls
bull Dynamic and Flexible Call
filtering
bull Contact Recording and Audit
trails
bull Auto and Manual Escalations
bull User and Group based
assignment and reassignment
bull Efficiency Metrics and Reports
ndash Call Volume and Status
Reports (Total no of calls
no of Open calls no of
Resolved calls)
ndash TAT (Turn around time)
Reports
36
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
37
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Reporting and Communications Module
Feature List
bull Reports
ndash Ability to Configure Real Time
Reports
ndash Reports available in multiple
formats ndash html excel pdf etc
ndash Access Control configurable report
level user access with ability to
control download option
bull Trigger based
ndash System triggers
ndash Manual triggers
bull Scheduled and Real-time Communication
bull Multiple modes of Communication
Documents SMS and Email
bull Flexible Framework to add new
communication modes
bull Push and Pull based Communication
bull Event and Mode based Configurable
Communication Templates
38
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
39
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
General Ledger and Reconciliation Framework
Feature List
bull Configurable Chart of Accounts
bull Ability to book Revenue and Expenses
bull Ability to define multiple GL types and
GL
bull Various Voucher types
bull Ability to post Manual Vouchers along
with system interface for auto posting
bull Value Dating
bull Dual Mode of Operation ndash Maker-
Checker and Auto-Auth
bull Detailed Audit-trail
bull Bank and Bank Accounts Maintenance
bull Reconciliation
ndash Flexible and Configurable
Reconciliation Logics
ndash Account Reconciliation
ndash Exception and Detail Reporting
Capabilities
ndash Bank Recon
Excess Handling
40
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
41
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Incentives Module
Feature List
bull Highly Configurable incentive plans
bull Hierarchy driven plans
bull Frequency and target driven plans
bull Dependent Plans
bull Ability to configure multiple type of incentives
bull As per function sales collections operations
bull Third Party and In-house teams
bull Flexibility to base incentives on one or multiple source data
attributes
bull Implements champion challenger methodology
bull Ability to define complex incentive calculation logics
bull Fixed Value and Percentages based Incentives
bull Slab Based Incentives
bull Max-of or Min-of Incentive Rules
bull Comprehensive Dispute redressal
bull Scheduled Periodical Incentive Calculations
bull Manual Mode of computation for an individual in case of
exception scenarios
bull Maintains Audit trail and Historical InformationIncentives
42
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
43
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Mobile Workforce
Feature List
bull Automating FoS Workforce
bull Real Time access to authorised information
bull Secure and Reliable
bull User id and Password driven access
bull Need based functional access
bull Geography and Product based data access
bull Ability to fetch the actionable cases in real time
bull Ability to interface with third party applications using web service db interface
bull Real time interaction with server for master data and validations
bull Real Time Information Updation
bull Modules
bull Collections Contact Recording
bull New Applications
bull Cash and Cheque Collections
bull Contact Point verification
44
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
45
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Managers Dashboard Suite
Feature List
bull Datawarehouse model to enable analysis
across a variety of Dimensions and KPIs
bull Ready to Deploy Dashboards
bull Sales and Bookings
bull Credit Decision
bull Risk and Delinquency
bull Collections
bull Analysis across multiple Dimensions like
Geography Product Segment Customer
Segment Channels etc
bull Ability to drill-down and rollup across
dimensions in real time
bull Ability to export into excel
bull User Friendly with Rich Graphical User
Interface
46
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
47
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Technology Architecture
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49
copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved
Thank You
49