Collections User Manual

Collections User Manual
Collections User Guide
Oracle FLEXCUBE Universal Banking
Release 12.0.3.0.0
Part No. E53393-01
April 2014
Collections User Guide
April 2014
Oracle Financial Services Software Limited
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Contents
1.
Preface ...................................................................................................... 1-1
1.1
1.2
1.3
1.4
1.5
1.6
2.
Introduction.............................................................................................................. 2-1
2.1.1 Processing Collections ............................................................................... 2-1
2.1.2 Collection Process flow Diagram................................................................ 2-1
Maintenances and Operations ................................................................ 3-1
3.1
4.
1-1
1-1
1-1
1-1
1-2
1-2
Collections – An Overview ...................................................................... 2-1
2.1
3.
Introduction..............................................................................................................
Audience..................................................................................................................
Documentation Accessibility....................................................................................
Organization ............................................................................................................
Related Documents .................................................................................................
Glossary of Icons.....................................................................................................
Introduction.............................................................................................................. 3-1
3.1.1 Maintaining Collection Action Codes .......................................................... 3-1
3.1.2 Viewing the Summary of Collection Action Codes ..................................... 3-2
3.1.3 Operations on Action Code Maintenance Record ...................................... 3-3
3.1.4 Maintaining Collection Result Codes .......................................................... 3-4
3.1.5 Viewing the Summary of Collection Result Codes ..................................... 3-4
3.1.6 Operations on Result Code Maintenance Record ...................................... 3-5
3.1.7 Maintaining Action Result and Next Action................................................. 3-6
3.1.8 Viewing the Summary of Action-Result-Next Action................................... 3-7
3.1.9 Operations on Action-Result-Next Action Maintenance Record ................. 3-8
3.1.10 Maintaining Delinquency Reason Codes.................................................... 3-8
3.1.11 Viewing the Summary of Delinquency Reason Codes ............................... 3-9
3.1.12 Operations on Delinquency Reason Code Maintenance Record ............. 3-10
3.1.13 Maintaining Collection States Code.......................................................... 3-10
3.1.14 Viewing the Summary of Collection States Codes ................................... 3-11
3.1.15 Operations on Collection State Maintenance Record............................... 3-12
3.1.16 Maintaining Collection Agent Groups ....................................................... 3-12
3.1.17 Viewing the Summary of Collection Agent Group .................................... 3-14
3.1.18 Operations on Agent Group Maintenance Record ................................... 3-15
3.1.19 Maintaining PTP Policy............................................................................. 3-15
3.1.20 Viewing the Summary of PTP Policy ........................................................ 3-16
3.1.21 Operations on PTP Policy ........................................................................ 3-17
Product Maintenances and Product ...................................................... 4-1
4.1
4.2
4.3
Introduction..............................................................................................................
Maintaining Collection Products ..............................................................................
4.2.1 Preferences Tab .........................................................................................
4.2.2 Accounting Roles Tab ................................................................................
4.2.3 Events Tab .................................................................................................
4.2.4 Charges Tab...............................................................................................
4.2.5 MIS Tab ......................................................................................................
4.2.6 Viewing the Summary of Collection Products.............................................
Mapping of Collection State to a Product ................................................................
4-1
4-1
4-2
4-4
4-4
4-4
4-4
4-4
4-6
4.4
4.5
4.6
4.7
4.8
4.9
5.
Collection Contract Online ..................................................................... 5-1
5.1
5.2
5.3
5.4
5.5
5.6
5.7
5.8
5.9
5.10
5.11
5.12
5.13
5.14
5.15
5.16
5.17
5.18
5.19
5.20
5.21
5.22
6.
Introduction..............................................................................................................
Batch Process Flowchart.........................................................................................
6.2.1 Extraction of Data from Loans ....................................................................
6.2.2 Processing Collection .................................................................................
6.2.3 Uploading the Collection Details.................................................................
6-1
6-1
6-1
6-2
6-2
Annexure – Events and Advices for Collections .................................. 7-1
7.1
7.2
8.
Introduction.............................................................................................................. 5-1
Capturing Collection Reference............................................................................... 5-1
Recording Customer Interactions ............................................................................ 5-4
5.3.1 Asset Details Tab ....................................................................................... 5-5
5.3.2 Interaction Details Tab................................................................................ 5-8
5.3.3 Promise to Pay Details Tab ...................................................................... 5-10
5.3.4 Legal Proceedings Tab............................................................................. 5-11
Viewing the Summary of Interaction Record ......................................................... 5-11
Operations on Collection Interaction Record......................................................... 5-13
Reminder Capturing Diary Messages.................................................................... 5-13
Viewing the Summary of Reminder Message Record........................................... 5-15
Operations on Reminder Message Record ........................................................... 5-16
Changing Collection Queue for Loans................................................................... 5-16
Viewing the Summary of Collection Queue Change Details ................................. 5-18
Operations on Collection Queue change for Loans Record .................................. 5-19
Reversing Broken Promise Fee............................................................................. 5-19
Viewing the Summary of Reversal of Broken Fee Record .................................... 5-20
Processing Collection Interaction Queues............................................................. 5-21
Activities for the Day.............................................................................................. 5-21
Assigning Collection Agent for a Loan................................................................... 5-22
5.16.1 Component Wise Balance ........................................................................ 5-24
5.16.2 Processing Collection Agent Fee ............................................................. 5-25
Viewing the Summary of Collection Agent Assignment Record ............................ 5-25
Operations on Collection Agent Assignment Record ............................................ 5-26
Restricting User – Agent Access ........................................................................... 5-26
Viewing User - Agent Details................................................................................. 5-27
Viewing the Plan Activity ....................................................................................... 5-28
Viewing Collection Agent Dashboard .................................................................... 5-32
Batch Processing .................................................................................... 6-1
6.1
6.2
7.
Viewing the Summary of Collection State to a Product ........................................... 4-7
Collection Queue Derivation.................................................................................... 4-8
Viewing the Summary of Collection Queue Derivation.......................................... 4-10
Assigning Exceptional Queues.............................................................................. 4-11
Viewing the Summary of Collection Queue Assignment Exception ...................... 4-12
Operations on Queue Assignment Exception Record ........................................... 4-13
Collection Events..................................................................................................... 7-1
7.1.1 Advices ....................................................................................................... 7-1
Process Codes for Collection Module ..................................................................... 7-3
Reports ..................................................................................................... 8-1
8.1
8.2
Introduction.............................................................................................................. 8-1
OBIEE Repository ................................................................................................. 8-1
8.2.1 Loans under Collection Process................................................................. 8-1
8.3
8.4
8.5
8.6
8.7
8.8
8.9
9.
Activity Report ......................................................................................................... 8-2
8.3.1 Contents of the Report ............................................................................... 8-3
Delinquency Analysis by Overdue Days.................................................................. 8-4
8.4.1 Contents of the Report ............................................................................... 8-5
Account Level Activity.............................................................................................. 8-6
8.5.1 Contents of the Report ............................................................................... 8-7
8.5.2 Contents of the Report ............................................................................... 8-9
8.5.3 Contents of the Report ............................................................................. 8-12
Customer Aging Report by Collector (Agent) ........................................................ 8-12
8.6.1 Contents of the Report ............................................................................. 8-13
Contacts Results and tickles by Collector (Agent) Summery ................................ 8-14
8.7.1 Contents of the Report ............................................................................. 8-15
Contacts Results and tickles by Collector (Agent) Detailed Report....................... 8-16
8.8.1 Contents of the Report ............................................................................. 8-17
8.8.2 Contents of the Report ............................................................................. 8-20
Collection Interaction Details ................................................................................. 8-20
8.9.1 Contents of the Report ............................................................................. 8-22
Function ID Glossary ............................................................................... 9-1
1. Preface
1.1
Introduction
This user manual is designed to help you quickly get acquainted with the Collections (CN)
module of Oracle FLEXCUBE.
The manual gives you an overview of the CN module, and takes you through the various steps
involved in processing to track the collection process after the particular loan is delinquent.
You can obtain information specific to a particular field by placing the cursor on the relevant
field, and striking <F1> on the keyboard.
1.2
Audience
This manual is intended for the following User/User Roles:
1.3
Role
Function
Back office clerk
Input functions for contracts
Back office managers/officers
Authorization functions
Product Managers
Product definition and authorization
End of Day operators
Processing during End of Day/ Beginning of
Day.
Financial Controller/Product Managers
Generation of reports
Documentation Accessibility
For information about Oracle's commitment to accessibility, visit the Oracle Accessibility
Program website at http://www.oracle.com/pls/topic/lookup?ctx=acc&id=docacc.
1.4
Organization
This manual is organized into the following chapters:
Chapter 1
About this Manual gives information on the intended audience. It also lists
the various chapters covered in this User Manual
Chapter 2
Collections - An Overview is a snapshot of the features that the module
provides.
Chapter 3
Maintenances and Operations explains about how to maintain the details
of the collection queue in Oracle FLEXCUBE.
Chapter 4
Product Maintenances and Product describes the procedure to define
attributes specific to collections product in Oracle FLEXCUBE.
Chapter 5
Collection Contract Online describes the processing of collections module.
1-1
1.5
Chapter 6
Batch Processing explains the different phases of batch processing covered in this module.
Chapter 7
Annexure – Events and Advices for Collections lists the accounting
entries for events and advices for Collections module.
Chapter 8
Reports provide a list of reports that can be generated in this module and
also explains their contents.
Chapter 9
Function ID Glossary has alphabetical listing of Function/Screen ID's
used in the module with page references for quick navigation.
Related Documents
You may need to refer to any or all of the User Manuals while working on the Collections (CN)
module:
1.6

CL

Leasing

Mortgage

Procedures
Glossary of Icons
This User Manual may refer to all or some of the following icons.
Icons
Function
Exit
Add row
Delete row
Option List
1-2
2. Collections – An Overview
2.1
Introduction
Loans module is supported for operational procedures of a Loan. The collection module is
used to support the later stage of a loan cycle related to records of collecting a defaulted loans
/ Islamic assets / Leasing / Mortgage accounts. In normal scenario collections process can be
done through the collection department within the bank or it can be outsourced to an external
agent
Collection module in Oracle FLEXCUBE helps you to track the process of collecting by
external agent or department in the bank itself. Depending upon success or failure factors of
agent and customer credit rating existing agent can be replaced by another agent. You can
pay the fee to the collection agent for enabling the payment by customer.
There are various stages or events in the entire collection process. Collections module can
cater to the needs of the collection functionality once the asset becomes default. This module
is integrated to other modules like Retail Lending, Leasing, Islamic Assets and Mortgage
facilities provided by the bank.
2.1.1
Processing Collections
The processing of collection module is briefed here in different stages.
During the batch processing of retail lending module, the defaulted loans are extracted and
updated in a table. The details in this table are taken to CN/collections module and queue
numbers are assigned.
While assigning queues an agent group or an agent is assigned to process the collection of
the defaulted asset product with a collection reference number. In case of any issues you can
manually assign agent later and generate the collection reference number.
The default action record is assigned at the interaction data for the newly created Collection
references i.e. the action code that appears first in the Action –Result –Next Action mapping.
New interaction for the records is displayed for which the next action date is due. The stage
is updated after verifying the authorization.
PTP (Promise to Pay) charge processing happens after verifying the dates have been
honored or not. For broken promise, a charge is calculated on the basis amount.
System checks for collection closure and if it is not closed, Reminder messages are
generated during the BOD or EOD batch run. CNMS event is fired in the Collection references
wherever applicable. The corresponding batch function ID is CNDREMSG.
Closure of pending interaction and cancellation of pending reminders happens later and thus
the collection interaction is marked as closed.
If ‘Wait for Chile to Close’ option is selected for the collection contract, then the system will
not close the parent collection until the child collection is closed.
2.1.2
Collection Process flow Diagram
The entire process of collection is represented in the below flow chart.
2-1
2-2
3. Maintenances and Operations
3.1
Introduction
Your bank may have certain maintenance to track the collection process. Few of the
maintenances are done in the common maintenance of Oracle FLEXCUBE and some are
exclusively for the collection module.
This chapter provides details on all specific maintenances required for tracking collection
process.
3.1.1
Maintaining Collection Action Codes
The collection agent has to perform certain actions as a part of collection process. Oracle
FLEXCUBE identifies these actions as action codes. Following factory shipped action code is
available in the system:

REMINDERMSG - If a reminder message is to be sent to the customer, this action code
can be used as the next action.
You can maintain additional actions performed by the agent in the ‘Actions Codes’ screen.
These actions might require approval before the action can be executed in the interactions
screen which can also be maintained here.
You can invoke this screen by typing ‘CNDACTCD’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can maintain the action codes and the details of approver who approves that action here.
3-1
Action Code
Specify the action code for the action you are maintaining. This code identifies a unique action
in the system. You can devise a code consisting of a maximum of 20-alphanumeic characters
as the action code.
Description
Specify a description for the action code you are maintaining here. You can give a brief
description in not more than 35 alphanumeric characters.
Approval Required
Check this box to indicate that an approval is required to perform this action.
Approvers Allowed
The list of valid approvers can be maintained here.
Approvers
Select the approver from the list of approvers for the action code you are maintaining. System
shows an error if you leave this field blank after selecting the approval required option.
The name of the approver gets displayed when you select the approver.
When you save the action code, system assigns serial incremental numbers in the order in
which the approvers list appear in the multiple entry blocks.
Click add icon to add another approver to the action code being defined. To remove an
approver from the list, click delete icon.
Note
The user ids maintained here in the approver’s list need to have access rights on the
screens CNDCOLIN (Collection Interaction Screen) and CNDINTRQ (Interaction Approval
Queue).
3.1.2
Viewing the Summary of Collection Action Codes
You can view the summary of collection action in the ‘Summary Action code’ screen.
You can invoke this screen by typing ‘CNSACTCD’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
3-2
To view the summary of action codes, you can perform a search based on any of the
following.
Authorisation Status
Select the authorisation status of the action code as:

Authorised

Unauthorised
Action Code
Select a valid action code from the list of action codes maintained.
Record Status
Select the record status of the action code as:

Open

Closed
Description
Select a valid description from the list of options available.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.
3.1.3

Authorisation Status

Record Status

Action Code

Description
Operations on Action Code Maintenance Record
You can perform the following operations on action code maintenance record (if any function
under the Actions Menu is disabled, it means that the function is not allowed for the record):

Create and save a new record

Authorize the record

Query the details of a record

Delete the record
3-3
Refer to the manual on Common Procedures for details of these operations.
3.1.4
Maintaining Collection Result Codes
In Oracle FLEXCUBE, the collection results are maintained as collection result codes. All the
standard result codes are available in the system. Following factory shipped action codes are
available in the system.

WAITING - This result code can be used in cases where the action does not yield a
result immediately.

PTP Policy – Promise to Pay Policy
You can maintain additional results in the ‘Collection Interaction Result Set’ screen. These
result codes can be selected in the interaction screen during the action as per the result.
You can invoke this screen by typing ‘CNDRESLT’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can maintain the result codes and details here.
Result code
Specify a result code for the action result you are maintaining. This code identifies a result
uniquely in the system. You can devise a code consisting of a maximum of 20-alphanumeic
characters.
Description
Specify a description for the result code you are maintaining here. You can a brief description
in not more than 35 alphanumeric characters.
3.1.5
Viewing the Summary of Collection Result Codes
You can view the summary of collection result in the ‘Summary Result code’ screen.
3-4
You can invoke this screen by typing ‘CNSRESLT’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
To view the summary of result codes, you can perform a search based on any of the following.
Authorisation Status
Select the authorisation status of the result code as:

Authorised

Unauthorised
Result Code
Select a valid result code from the list of result codes maintained.
Record Status
Select the record status of the result code as:

Open

Closed
Description
Select a valid description from the list of options available.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.
3.1.6

Authorisation Status

Record Status

Result Code

Description
Operations on Result Code Maintenance Record
You can perform the following operations on result code maintenance record (if any function
under the Actions Menu is disabled, it means that the function is not allowed for the record):

Amend the details of the record

Authorize the record

Copy the details of a record on to a new record

Close the record
3-5

Reopen the closed record

Print the details of a record

Delete the record
Refer to the manual on Common Procedures for details of these operations.
3.1.7
Maintaining Action Result and Next Action
In Oracle FLEXCUBE you can maintain a next action for each possible action and its result.
The action result and next action can be maintained in the ‘Action-Result-Next Action
Mapping’ screen.
You can invoke this screen by typing ‘CNDAXRSN’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You maintain next action for the various results of a particular action here.
Queue ID
Select a queue from the option list. The LOV displays all the queue ids maintained as
collection queue in the ‘Queue Maintenance’ screen.
Action ID
Select a valid action Id for the selected queue id from the option list. The description of the
action id gets displayed along with this.
Result code
Select a valid result code for the action you have selected for the queue. The description of
the result id gets displayed.
3-6
Next Action Description
Select a valid action for the selected combination of action and result. The description of the
action gets displayed.
You can map multiple actions and results combination with multiple next action codes.
Select ‘Add’ from the Actions menu in the Application tool bar or click add icon to add another
approver to the action code being defined. To remove a set of action result and next action
from the list, Select ‘Delete’ from the Actions menu in the Application tool bar or click delete
icon.
3.1.8
Viewing the Summary of Action-Result-Next Action
You can view the summary of action-result-next action in the ‘Summary Action-Result-Next
Action’ screen.
You can invoke this screen by typing ‘CNSAXRSN’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
To view the summary of action-result-next action, you can perform a search based on any of
the following.
Authorisation Status
Select the authorisation status of the result code as:

Authorised

Unauthorised
Record Status
Select the record status of the result code as:

Open

Closed
Queue ID
Select a valid queue id from the list of options available.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Authorisation Status
3-7
3.1.9

Record Status

Queue ID
Operations on Action-Result-Next Action Maintenance Record
You can perform the following operations on action-result-next action maintenance record (if
any function under the Actions Menu is disabled, it means that the function is not allowed for
the record):

Amend the details of the record

Authorize the record

Copy the details of a record on to a new record

Close the record

Reopen the closed record

Print the details of a record

Delete the record
Refer to the manual on Common Procedures for details of these operations.
3.1.10
Maintaining Delinquency Reason Codes
You can maintain the reasons for a loan delinquency in the ‘Delinquency Reasons’ screen.
The option list in the interaction screen lists the reasons you maintain here.
You can invoke this screen by typing ‘CNDDLQRS’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can maintain the delinquency reasons and details here.
Delinquency code
Specify a delinquency code for the delinquency reason of a loan you are maintaining. This
code identifies a delinquency reason uniquely in the system. You can devise a code
consisting of a maximum of 20-alphanumeic characters
3-8
Description
Specify a description for the delinquency code you are maintaining here. You can a brief
description in not more than 35 alphanumeric characters.
3.1.11
Viewing the Summary of Delinquency Reason Codes
You can view the summary of delinquency reason in the ‘Summary delinquency reason code’
screen.
You can invoke this screen by typing ‘CNSDLQRS’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
To view the summary of delinquency reason codes, you can perform a search based on any
of the following.
Authorisation Status
Select the authorisation status of the delinquency reason code as:

Authorised

Unauthorised
Delinquency Code
Select a valid delinquency code from the list of delinquency reason codes maintained.
Record Status
Select the record status of the delinquency reason code as:

Open

Closed
Description
Select a valid description from the list of options available.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Authorisation Status

Record Status

Delinquency Code

Description
3-9
3.1.12
Operations on Delinquency Reason Code Maintenance Record
You can perform the following operations on delinquency reason maintenance record (if any
function under the Actions Menu is disabled, it means that the function is not allowed for the
record):

Amend the details of the record

Authorize the record

Copy the details of a record on to a new record

Close the record

Reopen the closed record

Print the details of a record

Delete the record
Refer to the manual on Common Procedures for details of these operations.
3.1.13
Maintaining Collection States Code
In Oracle FLEXCUBE you can classify different states or stages of a collection process. Each
collection state can be a broader group of classification of the Asset’s under the collection
process. You can maintain these states in the ‘Collection States’ screen. For normal collection
status, ‘NORM’ collection code is available in the system.
You can invoke this screen by typing ‘CNDCLNST’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can maintain the collection states and details here.
Collection State
Specify a collection state code you want to maintain as a part of collection process here. This
code identifies a collection status uniquely in the system. You can devise a code consisting
of a maximum of 20-alphanumeic characters
3-10
Description
Specify a description for the collection state you are maintaining here. You can a brief
description in not more than 35 alphanumeric characters.
You can amend the description after authorization. During the EOD batch process, system
changes the collection state as per the mapping maintenance for the collection state.
3.1.14
Viewing the Summary of Collection States Codes
You can view the summary of collection states in the ‘Summary collection state code’ screen.
You can invoke this screen by typing ‘CNSCLNST’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
To view the summary of collection states, you can perform a search based on any of the
following.
Authorisation Status
Select the authorisation status of the collection states as:

Authorised

Unauthorised
Collection State
Select a valid collection state from the list of collection states maintained.
Record Status
Select the record status of the collection state as:

Open

Closed
Description
Select a valid description from the list of options available.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Authorisation Status

Record Status

Collection state
3-11

3.1.15
Description
Operations on Collection State Maintenance Record
You can perform the following operations on collection state maintenance record (if any
function under the Actions Menu is disabled, it means that the function is not allowed for the
record):

Amend the details of the record

Authorize the record

Copy the details of a record on to a new record

Close the record

Reopen the closed record

Print the details of a record

Delete the record
Refer to the manual on Common Procedures for details of these operations.
3.1.16
Maintaining Collection Agent Groups
In Oracle FLEXCUBE, you can define Collection Groups based on the list of collection agents.
You can maintain these groups in the ‘Collection Agent Groups’ screen.
Note
Collection agents are maintained in the intermediary maintenance.
You can invoke this screen by typing ‘CNDCAGRP’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can maintain the collection group and map the valid queues to the group.
3-12
Collection Agent Group
Specify a collection group code you are maintaining for a particular group of collection agents.
This code identifies a collection agent group uniquely in the system. You can devise a code
consisting of a maximum of 20-alphanumeic characters.
Description
Specify a description for the collection group you are maintaining here. You can a brief
description in not more than 35 alphanumeric characters.
During the EOD batch process total number of collections assigned to this particular group
gets displayed.
Valid Queues
You can link valid collection Queues to the Collection Agent group you are maintaining here.
Queue ID
Select a valid collection queue from the list of options available. The LOV consists of all the
selected collection queues maintained in the ‘Queue Maintenance’ screen. The queue
description gets displayed.
A particular Collection queue can be linked only to one collection agent group, where as a
collection agent group can be linked to multiple queues.
Click add icon to add another approver to the action code being defined. To remove an
approver from the list, click delete icon.
Collection Agents
You can add collection agents to the collection group you maintaining here.
Agent ID
Select the agent id of the collection agent to be added to this collection group. The LOV lists
all the agents maintained in the ‘Collection Agent Assignment’ screen
The description of the selected collection agent id gets displayed.
Percentage
Specify the percentage of the total collections assigned to the group that are allocated to the
collection agent selected.
The number of collections assigned to this collection agent gets displayed.
Click add icon to add another approver to the action code being defined. To remove an
approver from the list, click delete icon.
When you save the collection group, system assigns serial incremental numbers in the order
in which the collection agents list appear in the multiple entry blocks.
3.1.16.1 Allocating Collection Agent within the Group
During the batch process, the Collection Queue is arrived based on the rules maintained for
the Asset product. The associated Collection agent group is determined from the list of
Queues maintained here.
The loan account will be allocated to the appropriate collection agent as per the percentage
allocation within the group.
3-13
Collection agent for the new loan = collection agent with the maximum (Allotted percentage –
Used percentage)
3.1.17
Viewing the Summary of Collection Agent Group
You can view the summary of agent group in the ‘Summary collection Agent Group’ screen.
You can invoke this screen by typing ‘CNSCAGRP’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
To view the summary of agent group codes, you can perform a search based on any of the
following.
Authorisation Status
Select the authorisation status of the agent group code as:

Authorised

Unauthorised
Collection Agent Group
Select a valid agent group from the list of agent group maintained.
Record Status
Select the record status of the agent group as:

Open

Closed
Description
Select a valid description from the list of options available.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Authorisation Status

Record Status

Collection Agent Group

Description
3-14
3.1.18
Operations on Agent Group Maintenance Record
You can perform the following operations on agent group code maintenance record (if any
function under the Actions Menu is disabled, it means that the function is not allowed for the
record):

Amend the details of the record

Authorize the record

Copy the details of a record on to a new record

Close the record

Reopen the closed record

Print the details of a record

Delete the record
Refer to the manual on Common Procedures for details of these operations.
3.1.19
Maintaining PTP Policy
Sometimes during the customer agent interaction, the customer promise to pay the amount
due to the bank by a certain date. You can maintain the guidelines for the PTP (Promise to
Pay) policy for every Collection Agent Group in the system.
You can invoke this screen by typing ‘CNDPTPPO’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can maintain the PTP policy details here for a Collection Agent Group.
Collection Agent group
Specify the collection agent group code for whom you want o maintain the PTP details here.
Amount Restriction
You can maintain the amount details for PTP policy for this collection agent group. If the
percentage maintained here is violated; an override message gets displayed.
3-15
Minimum Percentage of Outstanding
Specify the minimum percentage of the outstanding amount the customer has to pay. Each
PTP amount promised by the customer should not be less than this percentage of the total
outstanding.
Maximum percentage of Outstanding
Specify the maximum percentage of the outstanding amount the customer has to pay. Each
PTP amount promised by the customer should not be more than this percentage of the total
outstanding.
If the percentage maintained here is violated; an override message gets displayed.
Days Restriction
You can maintain the restriction days for PTP policy for this collection agent group. If the days
maintained here are violated; an override message gets displayed.
Minimum Promise to Pay Days
Specify the minimum days elapsed between the action date and the first PTP date.
Maximum Promise to Pay days
Specify the maximum days from the action date beyond which a PTP should not be accepted
from the customer.
Minimum days between dates
Specify the minimum number of days between multiple PTP dates provided by the customer.
Refer the heading ‘Recording Customer Interactions’ under the chapter ‘Collection Contract
Online ’for more details on PTP policy.
3.1.20
Viewing the Summary of PTP Policy
You can view the summary of PTP policy in the ‘Summary PTP Policy’ screen.
You can invoke this screen by typing ‘CNSPTPPO’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
To view the summary of PTP, you can perform a search based on any of the following.
3-16
Authorisation Status
Select the authorisation status of the agent group code as:

Authorised

Unauthorised
Collection Agent Group
Select a valid agent group from the list of agent group maintained.
Record Status
Select the record status of the agent group as:

Open

Closed
Minimum Promise to Pay Days
Select a minimum PTP days from the list of options.
Minimum Percentage of Outstanding
Select a minimum percentage of outstanding amounts.
Maximum Promise to Pay Days
Select a maximum PTP days from the list of options.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.
3.1.21

Authorisation Status

Record Status

Collection Agent Group

Minimum Percentage of Outstanding

Maximum Promise to Pay Days

Minimum Promise to Pay Days
Operations on PTP Policy
You can perform the following operations on PTP policy record (if any function under the
Actions Menu is disabled, it means that the function is not allowed for the record):

Create and save the record

Authorize the record

Delete the record

Query the details of the record
Refer to the manual on Common Procedures for details of these operations.
3-17
4. Product Maintenances and Product
4.1
Introduction
Like any other module in Oracle FLEXCUBE collection module also got some collection
products which can be mapped to the contracts. Collection Product can be mapped to the
asset products and if any default happens during the payment, this product can be used for
mapping to agent group.
For any product you create in Oracle FLEXCUBE, you can define generic attributes. For a CN
product, in addition to these generic attributes, you can specifically define other attributes.
These attributes are discussed in detail in this chapter.
For further information on the generic attributes that you can define for a product, please refer
the following Oracle FLEXCUBE User Manuals under Modularity:

Product Definition

Interest

User Defined Fields

Settlements
In Oracle FLEXCUBE, you can maintain following details for a collections product:
4.2

Broken Promise Fee Rule

Accounting Roles

Definition of Events

Accounting entries for the event – BFEE (Broken promise Penalty Charge)

Mapping Collection product with asset product
Maintaining Collection Products
You can maintain the product details in the ‘Product Maintenance for Collection’ screen.
You can invoke this screen by typing ‘CNDPRMNT’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
4-1
You can maintain the basic information relating to collection product here.
Product Code
Specify a product code for the product you are maintaining.
Product Description
Specify a product description for the product you are maintaining.
Start Date
Specify the date from which this product should be open for contracts to be created under it.
End Date
Specify the date until which contracts should be created using this particular product.
Slogan
Specify the details that should appear in the report or an advice generated with regard to this
product.
Remarks
Specify any remarks or comments regarding the product here.
4.2.1
Preferences Tab
‘Preferences’ are the attributes or terms related to core processing that you define for a
product. By default, any action involving a product inherits all the attributes defined for the
product. However, some attributes (preferences) that are defined during the product creation
can be changed during the processing of individual collection contracts involving the product.
Click ‘Preferences’ button to invoke the Collections Product Preferences screen. Through this
screen you can define the following Preferences for a product:
4-2
The product code you specified for the product in the product definition screen gets displayed
at the top of the screen. You can provide the other attributes here:
Allow Manual Collection Agent Assignment
Select this box if the manual assignment of Collection Agents for the collections under this
product has to be enabled.
Allow Manual Queue Assignment
Select this box if the manual assignment of Queues for the underlying collections has to be
enabled.
Note
Manual Collection Agent and Queue assignment are not applicable when an exception is
being processed from the ‘Queue Assignment Pending Queue’ screen. (CNDASGNQ)
Auto Closure
Select this box if the automatic closure of the collections should be enabled when the loan
status comes to normal without any overdue.
Wait for Chile collection to Close
Check this box to indicate that the parent collection contract should wait till the child collection
is closed. If this box is unchecked, then the parent contract will be closed even if the child
collection is in active status.
Module Product Mapping
You can map asset products with the collections product here.
Mod Id
Select the asset module code to which you want to link the collections product. The
description of the selected module code also gets displayed.
Product Code
Select the asset product code to which you want to link the collections product. The
description of the selected product code also gets displayed.
4-3
4.2.2
Accounting Roles Tab
For further details on accounting role, refer to heading ‘Setting up Accounting Details for a
Product’ in the Product Module.
4.2.3
Events Tab
A contract goes through different stages in its life cycle. In Oracle FLEXCUBE, the different
stages a contract passes through in its life cycle are referred to as ’Events‘.
At an event, typically, you would want to post the accounting entries to the appropriate
account heads and generate the required advices. While setting up a product, you can define
the accounting entries that have to be posted and the advices that have to be generated, after
the product is authorized.
Therefore, for the required events you have to specify the Accounting entries, Charges,
Policies and Advices. To do this, click ’Events’ tab in the ‘Collections Product’ screen – the
following screen is displayed.
For further information on the maintaining ‘Accounting Entries’ and Advices’ please refer the
Product User Manuals
4.2.4
Charges Tab
You can refer the module ‘Charges and Fees’ module also for a complete reference on
Charges details.
4.2.5
MIS Tab
For further details on MIS, refer to the heading ‘Capturing MIS Details’ for a Product in the
Product Module. You can refer the module ‘Management Information System’ module also for
a complete reference on MIS details.
4.2.6
Viewing the Summary of Collection Products
You can view the summary of collection products in the ‘Summary Collection Product Codes’
screen.
You can invoke this screen by typing ‘CNSPRMNT’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
4-4
To view the summary of collection product codes, you can perform a search based on any of
the following
Authorisation Status
Select the authorisation status of the collection product as:

Authorised

Unauthorised
Record Status
Select the record status of the collection product as:

Open

Closed
Product Code
Select a valid product code from the options available.
Product Description
Select a valid product code description from the options available.
Start Date
Select a valid start date of the product code from the calendar option from available
End Date
Select a valid end date of the product code from the calendar option from available
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Authorisation Status

Record Status

Product Code

Product Description

Start Date

End Date
4-5
4.3
Mapping of Collection State to a Product
You can assign a new state for a collection product after validating the combination of
previous state and the action- result. The mapping of a collection state for a product is done
for branch, product and source code combination. During the batch process the state change
becomes effective.
You can invoke this screen by typing ‘CNDSTMAP’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can assign new state for the branch, product and source code combination here.
Branch
Specify the branch code for which the state mapping should be done. You can also specify
‘ALL’ if it applies to all branches of your bank.
Product
Specify the product code for which the state mapping should be done. You can also specify
‘ALL’ if it applies to all collection products.
Source Code
Specify a source code to maintain the state mapping if there is no product involved.
You can assign the new state here:
Previous State
Specify a valid state code maintained in the system.
Action
Select a valid action code from the option list provided.
Result
Select a valid result from the option list provided.
4-6
New state
Specify the new state of the collection product here.
You can map new state to multiple previous state of collection product.
Click add icon to add another approver to the action code being defined. To remove a
particular status from the list, click delete icon.
4.4
Viewing the Summary of Collection State to a Product
You can view the summary of collection state mapping to product in the ‘Summary of
Collection State Mapping’ screen.
You can invoke this screen by typing ‘CNSSTMAP’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
To view the summary of collection state mapping to a product, you can perform a search
based on any of the following
Authorisation Status
Select the authorisation status of the collection state mapping as:

Authorised

Unauthorised
Record Status
Select the record status of the collection state mapping as:

Open

Closed
Branch
Select a valid branch for querying the collection state mapping
Source Code
Select a valid source for querying the collection state mapping
Product
Select a valid product code from the options available.
4-7
Product Description
Select a valid product code description from the options available.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.
4.5

Authorisation Status

Record Status

Branch

Source Code

Product
Collection Queue Derivation
You can provide the logic for the system to assign a particular queue to a collection reference
number in the ‘Queue Derivation Rule’ screen.
You can invoke this screen by typing ‘CNDQRULE’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can provide the following details here.
Source Code
Specify a source code for which the queue derivation logic has to be maintained. FLEXCUBE
is applicable if you are selecting CL, CI, LE or MO modules. You can provide external source
for all other cases.
Module
Specify the module for which the Queue derivation logic has to be maintained from the
following list if the source code is FLEXCUBE:

CL

LE
4-8

MO

CI
Product
Specify a product code for which the queue derivation logic has to be maintained. The
products of the selected module appear in the list of values.
Rule
Rule Sequence number is assigned by the system in order of the in the multiple entry block.
The rules will be executed in ascending order of the rule sequence to arrive at the queue
applicable.
Condition
Specify the condition using the condition screen provided for this field, which is validated
during save
Queue Name
Enter the queue name for which this rule is maintained.
Click ‘Rule’ button to provide condition details for queue derivation in the ‘Condition’ screen.
You can provide the condition details here.
Elements
Select a valid system data element which can be used in the condition to form a criterion.
Condition
Specify the condition which can be used in the condition to form a criterion.
You can select the mathematical, logical options along with operators.
Value
Specify the value which can be used in the condition to form a criterion
Click ‘Accept’ to select the criterion specified here, which will be assigned for queue
derivation.
4-9
4.6
Viewing the Summary of Collection Queue Derivation
You can view the summary of collection queue derivation in the ‘Summary of Collection
Queue Derivation’ screen.
You can invoke this screen by typing ‘CNSQRULE’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
To view the summary of collection queue derivation rule, you can perform a search based on
any of the following
Authorisation Status
Select the authorisation status of the queue derivation rule as:

Authorised

Unauthorised
Record Status
Select the record status of the queue derivation rule as:

Open

Closed
Source Code
Select a valid source for querying the queue derivation rule
Product
Select a valid product code from the options available.
Module
Select a valid module from the options available.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Authorisation Status

Record Status

Module

Source Code
4-10

4.7
Product
Assigning Exceptional Queues
During batch process system assigns the new collection references as per the queue
derivation rule you have defined.
There can be exceptional cases during this process due to which the queue could not be
assigned and in such cases, the Queue, Collection Agent Group and Collection Agent gets
displayed as “##”. And in some cases, the new Queue derived based on the parameters differ
from the currently assigned queues. Hence system doesn’t change the collection queue
automatically you need to change the queue and the collection agent.
You can manually assign or change the queue after batch process using the ‘Queue
Assignment Exception’ screen.
You can invoke this screen by typing ‘CNDASGNQ’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can perform query in this screen for the records for assigning new queue or rejecting.
Branch Code
Specify the branch code to perform query based on this.
Batch Processing Date
Specify the batch processing date to perform query based on this.
Collection Product
Specify the collection product to perform query based on this.
List Exceptions only
Select a specific exception case from the option available to perform query based on this.
Asset Product
Specify the asset product code to perform query based on this.
4-11
List Queue Changes only
Select the specific queue changes perform query based on this.
Asset Reference
Specify the asset reference code to perform query based on this.
Collection Reference
Specify the collection reference code to perform query based on this.
Process Exceptions
The query details get displayed in the multiple entry boxes in ‘Process Exception’ section. .
After the required records have been queried, the same can be assigned or rejected upon
using the two buttons “Assign New Queues” (which will accept the new queue suggested by
the batch) or “Reject New Queues” (which will ignore this queue assignment suggested by the
batch)
System generates Bulk Reference number during save to store the audit log
4.8
Viewing the Summary of Collection Queue Assignment Exception
You can view the summary of collection queue assignment exception in the ‘Summary of
Collection Queue Assignment Pending’ screen.
You can invoke this screen by typing ‘CNSASGNQ’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
To view the summary of collection queue assignment exception, you can perform a search
based on any of the following
Bulk Reference
Select the bulk reference number from the list of values available here.
Comments
Select a valid comment from the list of values available here.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.
4-12
4.9

Bulk Reference

Comments
Operations on Queue Assignment Exception Record
You can perform the following operations on action-result-next action maintenance record (if
any function under the application toolbar is disabled, it means that the function is not allowed
for the record):

Create and save a new record

Authorize the record

Query the details of a record

Delete the record
Refer to the manual on Common Procedures for details of these operations.
4-13
5. Collection Contract Online
5.1
Introduction
During batch processing in Collections Module, the corresponding queue ids are assigned to
the asset contracts and the collection reference number gets generated. In case of any error
during the batch process and if the queue and collections agents are not mapped, you can
manually assign it. The collection reference number for these exceptional queues can be
created in the ‘Collections Online’ screen.
5.2
Capturing Collection Reference
The features of Collections online screen are given below:

You can create a new Collection Reference Number.

Amend the parameters “Allow Manual collection Agent assignment”, and “Allow Manual
Queue Assignment” and “Auto Closure”

Close a Collection Record. Fire CLOS (click of Close button) event against the collection
reference.
Note
Batch program takes care in automatically closing the collection record if no due for assets
and auto closure is checked.
You can invoke this screen by typing ‘CNDONONL’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
Collection reference number is generated by the system.
Product
Select a valid collection product for which you want to generate a collection reference number.
Asset Reference Number
Specify the CL account number for which you need to map to collections.
5-1
In new mode, after supplying the Asset reference number and the product, click ‘P’ button to
update the details of the selected combination.
The following details get displayed.

Collection Reference Number

Latest Event

Event Sequence Number

Source Code

Collection Creation Date

Counterparty

Collection Agent

Queue ID

State
Allow Manual Collection Agent Assignment
Check this box to indicate that assigning collection agent manually is allowed.
Allow Manual Queue Assignment
Check this box to indicate that assigning collection queue manually is allowed.
Auto closure
Check this box to indicate that automatic closing of the collection product is allowed.
There will be ‘##’ symbols against the queue and collections agents when a collection is
created manually. You can manually assign it through the screen CNDCNQCH (Manual
Queue change.) and subsequently the Collection agent assignment using the screen
CNDCAASG (Collection Agent Assignment).
Parent Collection Reference Number
Specify the parent collection reference number from the adjoining option list.
Wait for the Child Collection to Close
Check this box to indicate that the parent collection contract should wait till the child collection
is closed. If this box is unchecked, then the parent contract will be closed even if the child
collection is in active status.
Note
During EOD the collection contract gets created based on this check box checked or unchecked at the collection product level.
Asset Details
The following asset details also get displayed:

Asset Amount

Asset User Defined Status

Asset Currency

Customer Status

Asset Outstanding Principal

Customer Category

Asset Total Overdue
5-2

Customer Credit Rating

Asset No. of Schedules Overdue
Click ‘Events’ button to view the events that got fired on this collection reference number.
The following events detail gets displayed:

Event Number

Event Date

Event Code

Description
Click ‘Interactions’ button to view the interactions that happened for this Collection reference
number.
The following interaction details are displayed here:

Interaction Sequence Number

Interaction Date
5-3
5.3

Action

Result

Next Action
Recording Customer Interactions
While booking a new interaction (Event CNIB/CNEX) for a collection reference number a new
interaction Sequence number is generated. You can record the customer interactions during
collection process by the agent in the ‘Collection Interactions’ screen.
In case of external collection agency, you can upload the recordings from ASCII file for bulk
uploads or through the Gateway for single upload. Interaction for each loan is recorded
separately. While saving the interaction execution, system validates the result code and next
action code based on the Action-Result-Next Action Mapping.
You can invoke this screen by typing ‘CNDCOLIN’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can record the interactions between the customer and the collection agent here. The
interaction sequence number is generated by the system.
Collection Reference
Specify the collection reference number of the collection process for which you are recoding
the details
The following details get displayed:

Collection Agency gets displayed as per the name of the agent.

Customer gets displayed as the counterparty of the underlying Asset

Customer Name gets displayed as per the customer name mapped in the system.

Processing Stage gets displayed as per the current status of the collection process.

Record Origin gets displayed as per the origination of the interaction created in system.
5-4

Source Code gets displayed as per the origination of interaction.

External Reference Number gets displayed if the interaction is uploaded from an
external source.

Record Date displays the date on which the interaction is created in the system.

In case of any further actions performed on a recorded interaction, the latest interaction
sub sequence number gets generated and displayed.
In the case where the Action code does not require an approval, upon save itself system will
accept the result code/date and next action code/date. If all the data are supplied CNEX
Event will be fired directly and CNIB will not be fired. If Result is “WAITING”, CNIB will be fired
and Execution needs to be carried out using button ‘Liquidate’. On supply of result and next
action codes, Execution event CNEX will be carried out.
After the event CNIB is fired processing stage is updated as ‘Initiated’, if the action code
entered by the user requires an approval. In this case the result code, result date, next action
and next action date are not accepted by the system while saving the interaction. After the
authorisation, Approval (CNAP) event is fired provided you have the approval rights. Bulk
Approval is also possible from the screen CNDINAPQ. Authorized records are available for
execution. The processing stage after authorization is “Approved”/”Rejected”. In case of the
approved records, click ‘Liquidate’ and if all the data is supplied execution is fired and the
Processing stage gets changed to ‘Executed’.
During amend the interaction subsequence number get incremented by one. During
authorisation, if the next action is ‘REMINDERMSG’ and the next action date is current date
the CNMS event gets fired.
5.3.1
Asset Details Tab
Click ‘Asset Details’ Tab to view the asset details.
The following asset specific details are displayed here:
5.3.1.1

Asset Branch – Branch of the asset product gets displayed

Asset Reference Number - Asset Reference Number gets displayed

Asset Amount – Total asset amount gets displayed

Asset Ccy – Asset currency gets displayed

Asset Outstanding Principal - Principal Outstanding Amount as on date gets displayed

Asset User Defined Status - User Defined Status for the Asset Reference gets displayed

Asset Total Overdue - Total Overdue Amount as on Date gets displayed

Asset No Of Schedules Overdue - Total No of Schedules Overdue gets displayed.

No of Days Delinquent – Maximum number. of days overdue for the asset (including all
overdue components).

Collateral Type – Type of asset.

Maturity Date – Maturity date of the asset.

Interest Rate – Interest rate of the main interest component as on current date.(UDE
which has been mapped for the main interest component).

Interest Overdue – Total interest overdue payment.

Principal Overdue – Total principal overdue payment.
Viewing Collection Asset Details
Click ‘Asset Details’ to invoke the ‘Collection Asset Details’ screen.
5-5
You can view the asset details here.
5.3.1.2
Viewing Asset Payment History
Click ‘Payment History’ to invoke the ‘Asset Payment History’ screen. You can view the asset
payment history details using this screen.
System displays the following details here:

Asset Reference Number

Branch Code

Currency Code
System displays the summery of asset payments in ‘Asset Payment Summery’ section:

Schedule Number – Schedule sequence number
5-6

Schedule Date – Payment schedule date for the asset including all components

Amount Due – Payment due amount

Amount Settled – Amount paid

Amount Overdue – Overdue payment for the asset
System displays the payment details of individual components in ‘Asset Payment Details’
section:
5.3.1.3

Component Name – Individual component in the asset

Amount Due – Payment due amount

Amount Settled – Amount paid

Amount Overdue – Overdue payment for the asset

Status – Status of the payment
Viewing Collection Interaction History
Click ‘Interaction History’ to invoke the ‘Collection Interaction History’ screen. You can view
the collection interaction history details using this screen.
System displays the following details here:

Asset Reference

Branch
System displays the interaction history of the selected asset in ‘Interaction Details’ section:

Interaction Reference – Reference number to identify the interaction

Interaction Date – Date on which interaction has been initiated

Action – Action performed on interaction date

Result – Result of the action

Next Action – Next action after the result

Next Action Date – Date on which the next action has been scheduled to be initiate

PTP Amount – Amount promised to pay

PTP Date – Date on which customer has promised to pay amount
5-7
5.3.1.4
Viewing Customer Contact Details
Click ‘Customer Contacts’ to invoke the ‘Customer Address Details’ screen.
System displays the following details here:

Asset Reference Number

Branch Code
System displays the customer address of the selected asset reference number:

Customer Number

Location

Media

Authorization Status

Record Status
Click the ‘Detail’ button to invoke the ‘Customer Address’ screen.
5.3.2
Interaction Details Tab
Click ‘Interaction Details’ Tab to view the interaction details.
5-8
You can capture the following interaction details here.
Action Code
Specify the action which is executed as a part of interaction
Action Date
Specify the date of execution of the aforesaid action
Result of Action
Specify a valid result code from Action-Result-Next Action maintenance
Result Date
Specify the result date in case the customer did not respond on the same date of action.
Next Action
Specify a valid next action as per the Action-Result-Next Action maintenance
Next Action Date
Specify the date of execution of the next action.
Delinquency Reason
Specify delinquency reason for the account going into overdue as per the Customer.
Hour
Specify the hour of the interaction with the customer if available.
Minutes
Specify the minutes of the interaction with the customer if available.
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Customer Email
Specify the email id of the customer if available.
Mobile Number
Specify the mobile number of the customer if available.
Interaction Place
Specify the interaction place with the customer if the action is a personal visit.
Total PTP
Specify the total amount, the customer promises to pay if the result of action is PTP.
Comments
Specify the comments related to the interaction you have recorded if any.
5.3.3
Promise to Pay Details Tab
Click ‘Promise to Pay Details’ Tab to view the PTP details.
The following details of promise to pay are displayed here:

Currency – The currency in which the customer has promised to pay.

PTP Amount – The amount which customer has promised to pay.

PTP Date – The date on which the amount will be paid.

Amount Paid - Actual Amount paid by the customer.

PTP Status – The status of PTP as on date.

PTP Charge – The PTP Charge calculated by the system
This record is processed on next action date specified during the interaction.
5-10
Note
CNMS (Collection reminder message) diary event gets fired in the underlying Collection
Reference during BOD batch run.
5.3.4
Legal Proceedings Tab
Click ‘Legal Proceedings’ Tab to view the legal proceedings for the asset.
You can specify all the legal proceedings details for the selected asset reference number:
5.4

Action Reference Number – Sequence number for the legal proceedings for the asset

Compliant Reference Number – FIR number for the legal interaction

Lawyers Name – Lawyers who has been involved in the legal verification

Location – Location

Date of Last hearing – Date on which the last hearing was initiated

Next Action – Next action defined

Date of Next Hearing – Next hearing date

Proceedings Summary – Description for the legal proceedings
Viewing the Summary of Interaction Record
You can view the summary of collection interaction record in the ‘Summary interaction record’
screen.
You can invoke this screen by typing ‘CNSCOLIN’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
5-11
To view the summary of collection interaction record, you can perform a search based on any
of the following.
Collection Reference
Select collection reference number from the options maintained.
Customer
Select a valid customer from the options maintained.
Collection Agent
Select a valid collection agent from the options maintained.
Interaction Sequence Number
Select a valid interaction sequence number from the options maintained.
Action code
Select a valid action code from the options maintained.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Collection Reference

Customer Code

Customer Name

Record Origin

Collection Agent

Agency Name

Interaction Sequence Number

Action Code

Processing Stage

Total PTP Amount

Result of Action

Action Date
5-12
5.5
Operations on Collection Interaction Record
You can perform the following operations on collection interaction record (if any function
under the application toolbar is disabled, it means that the function is not allowed for the
record):

Create a record

Liquidate the record

Amend the details of the record

Authorize the record

Copy the details of a record on to a new record

Print the details of a record
Refer to the manual on Common Procedures for details of these operations.
5.6
Reminder Capturing Diary Messages
During the collection process, there could be an action item which requires a reminder
message to be sent from the system. The reminder details can be created as a diary based
on the action date and the reminder date based on the details of interaction with the customer.
When a Customer Interaction is recorded by a Collection agent, a record is automatically
created in the collection ‘Collection Reminder Messages’ screen depending on the next action
code. If the message should be send manually, you can generate it using the manual option
and the message date can be given manually.
You can invoke this screen by typing ‘CNDCLDRY’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can map reminder messages to the action codes here. The branch code gets defaulted
to the screen. The Message Sequence Number gets generated by the system.
5-13
Collection Reference Number
Select the collection reference number associated with the message for which you want to
map reminder.
The following details of the selected collection reference number get defaulted here:

Branch

Collection Agent

Asset Reference Number

Collection Event Number
Interaction Details
The interaction reference number and details are captured here.
Interaction sequence number
Specify the interaction sequence number if have opted for manual input. If opted for automatic
input, the interaction sequence number gets defaulted.
The date of interaction gets defaulted.
Message Details
The message details get defaulted here.
Message Date
Specify the date on which the message has to be generated.
Message Status
The message status can be selected as per the current state of collection interaction from the
following options:

Generated – G

Un-Generated – U

Cancelled – C
Generation Mode
Specify the mode of message generation as auto or manual.
The media of reminder message gets defaulted here as per the maintenance. Incase the
default media is null; ‘Mail’ gets selected as media.
Additional Text
Specify the additional information about the reminder message.
Media
The medium of communication gets defaulted from the Media/Address maintenance. You can
amend the details here.
You can save the mapping of reminder message and interaction details. CNMS event gets
fired with Collection Event Number while generating message. No operations are allowed
after authorizing a reminder message.
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5.7
Viewing the Summary of Reminder Message Record
You can view the summary of collection interaction reminder record in the ‘Summary
Reminder Message Record’ screen.
You can invoke this screen by typing ‘CNSCLDRY’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
To view the summary of collection reminder message, you can perform a search based on
any of the following.
Authorisation Status
Select the authorisation status of the collection reminder message as:

Authorised

Unauthorised
Record Status
Select the record status of the collection reminder message as:

Open

Closed
Collection Reference
Select collection reference number from the options maintained.
Collection Agent
Select a valid collection agent from the options maintained.
Message Date
The date on which message is generated for the customer.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Authorisation Status

Record Status

Collection Reference

Collection Agent
5-15
5.8

Generation Mode

Message Date

DCN

Message Sequence Number
Operations on Reminder Message Record
You can perform the following operations on collection interaction record (if any function
under the application toolbar is disabled, it means that the function is not allowed for the
record):

Create a record

Amend the details of the record

Authorize the record

Query the record

Delete the record
Refer to the manual on Common Procedures for details of these operations.
5.9
Changing Collection Queue for Loans
In Oracle FLEXCUBE, you can manually change the collection queue of a particular loan. You
can use ‘Collection Queue Change’ screen to change the existing collection queue and apply
new collection queue.
You can invoke this screen by typing ‘CNDCNQCH’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
For every manual collection queue change a unique queue change reference number will be
generated with the maker id, checker id details stored against each such reference number.
5-16
Comments
Specify any comments related to this queue change here, which can be used while retrieving
information in the summary screen.
Query
You can query this screen on the following details.
Asset Reference Number
Specify a valid asset reference number to perform a query based on it.
Customer ID
Specify a valid customer id to perform a query based on it.
Collection Queue
The collection Agent can be assigned only within the collection Agent group linked to the
Queue. Specify a valid collection queue value to perform a query based on it.
Product
Specify a valid asset product code to perform a query based on it.
Loan Status
Specify the loan status to perform a query based on it.
Minimum Total amount over due
Specify the minimum amount overdue to query the asset records with the total amount
Overdue greater than or equal to this amount.
Minimum Overdue Days
Specify a minimum number of overdue days to query the asset records with total number of
overdue days greater than or equal to this number.
Minimum Overdue Schedules
Specify a minimum number of overdue schedules to query the asset records with total number
of overdue schedules greater than or equal to this number.
Customer Category
Specify the customer category to perform a query based on it.
Customer Credit Rating
Specify the customer credit rating to perform a query based on it.
Currency
If you have mentioned the minimum amount overdue this field is mandatory. Specify the asset
currency to perform a query based on it.
Click ‘Query’ button to perform query based on the selected values. The following values get
displayed below in the multiple entry blocks of the screen:

Asset Reference Number

Total Amount Due

Currency

Current Collection Queue

New Collection Queue
New Collection Queue
Specify the new assign queue to the each asset retrieved.
5-17
Note
The event CQAS (Collection Queue assignment) is fired for all the Collection contracts listed after the save.
Apply to All
Select this box if the particular queue selected should be applied to all.
Click ‘Apply’ button to apply the selected queue to be applied to all the asset references
queried. And your access to the selected queue is validated while saving the queue change.
Note
You cannot amend the record after the authorization.
5.10 Viewing the Summary of Collection Queue Change
Details
You can view the summary of collection queue change details in the ‘Summary Collection
Queue Change’ screen.
You can invoke this screen by typing ‘CNSCNQCH’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can query the Collection Queue Change details here.
Queue Change Reference
Select a valid Collection Queue Change reference number from the list of options available.
Comments
Select valid comments for Collection Queue Change from the list of options available.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Queue Change Reference

Comments
5-18
5.11 Operations on Collection Queue change for Loans Record
You can perform the following operations on collection queue change maintenance record (if
any function under the application toolbar is disabled, it means that the function is not allowed
for the record):

Create and save new record

Authorize the record

Delete the record

Query the details of record
Refer to the manual on Common Procedures for details of these operations.
5.12 Reversing Broken Promise Fee
During EOD batch run broken promise fee is collected from the customer if he defaults a PTP
(promise to pay) policy. However, if required the fee collected can be reversed through
‘Broken Promise Fee Reversal’ screen.
You can invoke this screen by typing ‘CNDBPFEE’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can reverse the fee of broken fee here.
Collection Reference Number
Specify the collection reference associated with the broken promise fee.
Click ‘query’ button to view all the details of broken fee collected related to the specified
collection reference number. The following details get displayed:

Asset Refernce number

Fee Date
5-19

Fee Event Sequence Number

Customer
Fee Details
You can view the following fee details here.

Currency

Fee Status

Broken Promise Fee

Fee Rule
You can click Reverse from the menu to pass the reversal entries. An event Reversing Broken
Promise Fee (RFEE) gets fired. After the fee has been reversed the reversal event sequence
number and the date of reversal gets defaulted.
5.13 Viewing the Summary of Reversal of Broken Fee Record
You can view the summary of broken fee reversal record in the ‘Summary broken fee reversal
record’ screen.
You can invoke this screen by typing ‘CNSBPFEE’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
Collection Reference
Select collection reference number from the options available.
Fee Event Sequence Number
Select a valid fee event sequence number from the options available.
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Collection Reference

Fee Event Sequence Number

Reversal Esn

Fee Status
5-20
5.14 Processing Collection Interaction Queues
You can process the interaction processing approvals using the screen ‘Interaction pending
Approval Queues’. The following types of approvals for the interactions which are in the
initiated stages can be processed here:

The Interactions generated by the batch process on next action date of the previously
executed interactions that requires approval.

The Interactions pending approvals from the daily processing.
You can invoke this screen by typing ‘CNDINAPQ’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
The records can be approved or rejected in bulk. Bulk reference numbers are generated for
storing the audit log. The two events which can be fired here are ‘CNAP’ or ‘CNRJ’ which are
auto authorised.
5.15 Activities for the Day
You can track the daily activities for an agent across the queues. You can invoke this screen
from the ‘Collection Agent Dashboard’ by clicking on the ‘Plan Activity ‘button.
5-21
You can specify any or all of the followig details and click on ‘Query’ to view the daily activities
for the agent.

Agent Id

Agent Name

Collection Contract

Source

Asset Contract
System displays the following information based on the query:

Asset Reference Number – Reference number of the asset

Collection reference Number – Reference number of the collection contract

Counterparty Name – Owner of the asset

Counterparty – Owner Id of the asset

Currency – Currency of the asset

Principal Overdue – Overdue of the principal component

Total Overdue – Total overdue of the principal and the main interest component

Total No of Asset Schedules Overdue – Maximum number of days overdue for the main
interest or principal components

Phone Number – Contact number of the customer

E-mail – E-mail address of the customer

Comments – User comments
5.16 Assigning Collection Agent for a Loan
In Oracle FLEXCUBE, you can change the collection agent, if a particular collection agent
fails to collect the loan amount due in the ‘Collection Agent Assignment’ screen. You can
assign new agent through ‘Collection Agent Assignment’ screen. When you assign a new
collection agent the interactions recorded for the old agent gets cancelled.
You can invoke this screen by typing ‘CNDCAASG’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
5-22
You can query the screen based on the following fields:
Customer ID
Specify the customer ID of the customer whose loan amount is due.
Product
Specify the asset product for which the amount due.
Asset Reference number
Specify the asset reference number as per the collection assignment.
Collection Reference number
Specify the collection reference number of the amount due.
Asset Amount From
Specify the starting amount range for which you want to change the collection agent.
Asset Amount To
Specify the amount limit for which you want to change the collection agent.
Collection State
Specify the collection status of the loan for which you want to change the collection agent.
5-23
Collection Agent Group
Specify the collection agent group for which you want to change the collection agent.
Minimum Total Amount Overdue
Specify the total outstanding amount of a loan for which you want to change the collection
agent.
Minimum Overdue Schedules
Specify the limit of overdue schedules of a loan for which you want to change the collection
agent.
Minimum Overdue Days
Specify the limit of overdue days of a loan for which you want to change the collection agent.
Currency
Specify the currency of a loan for which you want to change the collection agent.
Collection Agent Now
Specify the current collection agent of a loan for which you want to change the collection
agent.
Click ‘Query’ button to perform a query based on any of the fields above. The bellow grid
displays the following details of all the records matching the selected criteria.
Apply to All
Check this box and click apply button to assign the new collection agent to all the records with
the selected criteria.
Comments
Specify any comments related to this new collection agent assignment here.
While authorizing the new collection agent assignment, as event ‘CASG’ (Collection Agent
Re-Assignment) is fired in all the underlying Collection contracts. A unique assignment
reference number is generated which can be used to identify the bunch of contracts for which
the assignment has been done in a particular lot. You cannot perform any operation after the
authorization.
5.16.1
Component Wise Balance
Click ‘Component Wise Balance Details’ button to view component wise due details of the
asset reference number selected in the ‘Collection Agent assignment’ screen.
You can view the details of assets from the Oracle FLEXCUBE in the ‘component wise
balance’ screen.
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5.16.2
Processing Collection Agent Fee
In the intermediary module, total liquidated amount paid as collection agent fee is available
as an SDE for the definition of collection agent fee. The payment reversal is also handled
through another SDE for the reversal amount. The liquidation process also happens in
intermediary module.
Element
Description.
LOAN_COLLECTED_AMT
This SDE will return the sum of the amount collected by the
intermediary (collection agent).
LOAN_COLL_REV_AMT
This SDE will return the sum of the reversed amount, which
was collected by the intermediary (collection agent) but
reversed.
Refer intermediary module to know more details on collection agent fee definition, fee reversal
and liquidation
5.17 Viewing the Summary of Collection Agent Assignment
Record
You can view the summary of collection agent assignment record in the ‘Summary Collection
Agent Assignment’ screen.
You can invoke this screen by typing ‘CNSCAASG’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
5-25
Assignment Reference
Select assignment reference number from the options available.
Maker
Select a valid maker id of the record from the options available.
Effective Date
Select a valid date from the calendar option from available
Click ‘Search’ button to view the records based on criteria you have selected. The following
details of the record get displayed.

Assignment Reference

Effective Date

Maker
5.18 Operations on Collection Agent Assignment Record
You can perform the following operations on collection agent assignment record (if any
function under the application toolbar is disabled, it means that the function is not allowed for
the record):

Create and save a record

Amend the details of the record

Authorize the record

Query the record

Delete the record
Refer to the manual on Common Procedures for details of these operations.
5.19 Restricting User – Agent Access
You can restrict the agent access for the user using ‘User Agent Access’ screen. You can
invoke this screen by typing ‘CNDUSRAG’ in the field at the top right corner of the Application
tool bar and clicking on the adjoining arrow button.
5-26
Specify the following details:
User Id
Specify the user Id from the adjoining option list for whom the agent access is restricted.
User Name
Specify the name of the user.
Agent restrictions
Agent Id
Specify the agent Id from the adjoining option list.
Agent Name
Specify the name of the agent.
Allowed
Check this box to indicate that the agent access is allowed for the user.
5.20 Viewing User - Agent Details
You can view the agent details using ‘User Agent Summary’ screen. You can invoke this
screen by typing ‘CNSUSRAG’ in the field at the top right corner of the Application tool bar
and clicking on the adjoining arrow button.
5-27
In the above screen, you can base your queries on any or all of the following parameters and
fetch records:

Authorization Status

User ID

Record Status
Select any or all of the above parameters for a query and click ‘Search’ button. The records
meeting the selected criteria are displayed.
System displays the following details pertaining to the fetched records:

Authorization Status

User ID

Record Status
5.21 Viewing the Plan Activity
You can query the process of collection through ‘Plan Activity’ screen. You can view the
details in the screen though you cannot perform any operations.
You can invoke this screen by typing ‘CNDCADSH’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can query the screen using F7 & F8. After the screen is displayed you can press F7 you
can get all the fields enabled to enter the data for querying.
5-28
You can perform the query here.
Query
Specify the following details to perform query.
Branch
Specify the branch code to query the collection details based on it.
Collection Product
Specify the collection product code to query the collection details based on it.
Asset Product
Specify the asset product code to query the collection details based on it.
Collection Status
Specify the collection status to query the collection details based on it.
Collection Queue
Specify the collection queue to query the collection details based on it.
Collection Agent Group
Specify the collection agent group code to query the collection details based on it.
Collection Agent
Specify the collection agent code to query the collection details based on it.
Collection Reference
Specify the collection refernce number to query the collection details based on it.
Asset Reference
Specify the asset reference code to query the collection details based on it.
Customer
Specify the customer code to query the collection details based on it.
5-29
Minimum Overdue
Specify the minimum sum of the overdue amount of principal and main interest components
for the asset.
Minimum Principal Overdue
Specify the minimum overdue of the principal component for the asset.
Minimum Interest
Specify the minimum overdue amount for the main interest component for the asset.
Unique Identifier
Specify the unique identifier for the asset owner.
Next Activity
Specify the next planed interaction activity for the asset.
Customer Name
Specify the name of the customer.
Next Activity Dates
Specify the next due date for the planed activity.
After specifying the values in the screen, click ‘Query’ button or press F8 to perform the query.
The following list of assets under collections process conforming to the query criterion is
displayed:

Asset Reference

Latest Collection Reference

Queue

Collection Agent Group

Collection Agent

State

Collection Status

Select
Click ‘View Collection Details’ to view the following collection details.

The different collection references and interactions that are associated to the Asset
reference selected in the parent screen.

Events that got fired in the latest collection reference number.

PTP Details for each Collection Reference-Interaction Reference combination
5-30
The following details are displayed:

Asset Reference

Current Collection Reference
Collections List

Collection Reference

External Reference

Interaction Sequence Number

Record Date

Record Origin

Processing Stage

PTP Associated
Events

Event Code

Description

Event Date

Event Sequence Number

Maker ID

Checker ID
On click of “Interaction Details” button, the Customer Interaction Screen (CNDCOLIN) is
launched for the Collection Reference number and Interaction Reference number selected.
5-31
Click ‘View Asset Details’ to view the basic asset details.
The Asset Reference Number and Due Details as of Date are displayed from the parent
screen.
Asset Details
Following asset details are displayed here:

Counter Party

Asset Product

Asset Amount

Asset Booking Date

Asset Value Date

Name

Description

Asset Currency

Asset Maturity Date
Due Details
The following due details are displayed here:

Component

Earlier Due Date

Total Amount Due

Amount Paid
5.22 Viewing Collection Agent Dashboard
You can view the collection activities across the queues for an agent. You can invoke this
screen by typing ‘CNDDASH’ in the field at the top right corner of the Application tool bar and
clicking on the adjoining arrow button.
5-32
Agent Id
Specify the identification number of the agent from the adjoining option list.
Note
You can access only allowed agents’ details in the dashboard.
System displays the following details:

Branch – The current branch code from the adjoining option list.

Agent Name – The agent’s name.

Agent Group Code – The agent group code.

Collection Agent Group – The agent group description.
For further information on generic attributes about collection agent, please refer the same
user manual.
5-33
6. Batch Processing
6.1
Introduction
The batch process of Collections module is explained in this chapter. The batch process takes
place in different phases. And collection batch will be processed after the Loans batch.
6.2
Batch Process Flowchart
The tasks which will be carried out by the Batch in connection with the Collection Process is
explained in the flowchart below.
6.2.1
Extraction of Data from Loans
Loan accounts with amount dues are extracted to CN (Collection) module. While processing
the data the details required for the SDE’s mentioned under the Queue derivation logic are
extracted and made available for further processing.
6-1
Note
You can also upload the details of asset from external system using General Interface.
6.2.2
Processing Collection
Extracted data from the loans module or the asset details are used for further processing.
During the batch process run the following sub processes related to collection are performed:

System checks for collection records which are due for closure with the due amount in
the contract as zero and the contracts which are back to normal status. Pending
collection messages are cancelled and interactions (other than executed) are cancelled.
Note
If the check box ‘Wait for Child Collection to Close’ is checked in the ‘Collection Online’
screen, then system waits for the child collection to close and only then the parent collection will be closed.

System checks for multiple mapping of collection reference and the base table is taken
for Queue Assignment Exception. The same is picked up next day from the ‘Queue
assignment Exception’ screen after confirming the new queue assigned for these
collections.

Agents are assigned based on the allocation maintained in the collection agent group
level for the various collection Agents. If another loan of the customer has been
assigned to a particular collection agent, then a subsequent one (assigned to the same
group) will also be assigned to the same collection agent.

The default action record is assigned at the interaction data for the newly created
Collection references i.e. the action code that appears first in the Action –Result –Next
Action mapping.

New interaction for the records is displayed for which the next action date is due. The
stage is updated after verifying the authorization.

Based on the State mapping maintenance, collection state change happens during the
batch process

PTP charge processing happens after verifying the dates have been honoured or not.
For broken promise, a charge is calculated on the basis amount.
Reminder messages are generated during the BOD or EOD batch run. CNMS event is fired
in the Collection references wherever applicable. The corresponding batch function ID is
CNDREMSG.
Refer ‘Maintenances and Operations’ and ‘Collection Contract Online’ chapters of the CN
(Collections) module user manual to know more about the details of collection sub process.
6.2.3
Uploading the Collection Details
Entering high volume collection details can be laborious and time consuming. You can avoid
entering such details using the Batch Upload Function.
6.2.3.1
Customer Interactions upload
You can upload the Customer Interactions done by the Collection Agents through the Generic
Interface module. It should contain the following details:
6-2
Sl.
No.
Column Name
Widt
h
1
COLLECTION_REF
2
Type
Description
16
CHARACTER
This will identify the collection in the System.
SOURCE_CODE
15
CHARACTER
This will identify the
External system who is
sending in the details
3
COLLECTION_AGENT_ID
15
CHARACTER
Identifies the a Valid Collection Agent defined in
the System
4
ASSET_REFERENCE_NUMBER
35
CHARACTER
Valid Loan reference in
the System
5
LOAN_BRANCH
35
CHARACTER
The Branch in which the
Loan was issued
6
ACTION_CODE
20
CHARACTER
Valid Follow up mode
defined in the System
7
ACTION_DATE
11
DATE
8
RESULT_CODE
20
CHARACTER
9
RESULT_DATE
11
DATE
10
NEXT_ACTION_CODE
20
CHARACTER
11
NEXT_ACTION_DATE
11
DATE
Usually the date agreed
upon by the customer to
honor the payment due
12
PTP_AMOUNT
22
NUMBER
The promised to pay
amount in Asset Currency.(Could be multiple)
13
PTP_DATE
11
DATE
The date on which the
above amount has been
agreed to pay.(Could be
multiple)
14
MEDIA
15
CHARACTER
Media for Message Generation
15
INTERACTION_DETAILS
2000
CHARACTER
The Details of the conversation
16
INTERACTION_PLACE
35
CHARACTER
Place of interaction , if
not phone
17
INTERACTION_DATE
11
DATE
Date of Interaction
18
INTERACTION_HR
2
NUMBER
Hour
6-3
Valid Result code in the
System
6.2.3.2
19
INTERACTION_MIN
2
NUMBER
Minute
20
CUSTOMER_EMAIL_ID
105
CHARACTER
Email ID of the Customer
21
CUSTOMER_MOBILE
20
CHARACTER
Mobile number of the
Customer.
Asset Details Upload
You can upload the Asset Details using the following fields in an ASCII file. The upload is
through Generic Interface module.
Field Name
Lengt
h
SOURCE_CODE
Type
Description
15
CHARACTER
Source code to identify the External
system
ASSET_REFERENCE
35
CHARACTER
Reference number used to identify
the Asset at the source
PRODUCT
4
CHARACTER
If there is something like a product
code in the external system
COUNTERPARTY
9
CHARACTER
Counterparty id for the Asset
CUST_CATEGORY
10
CHARACTER
Customer Category
CUST_GROUP
10
CHARACTER
Customer Group
CUST_CRDT_RATING
10
CHARACTER
Customer Credit Rating
CUST_STATUS
4
CHARACTER
Customer Level status
ASSET_BOOKING_DATE
11
DATE
Booking date of the Asset.
ASSET_VALUE_DATE
11
DATE
Value Date of the Asset
ASSET_MATURITY_DATE
11
DATE
Maturity Date of the Asset.
SETTLEMENT_ACC
20
CHARACTER
Settlement Account number.
SETTLEMENT_ACC_BRN
3
CHARACTER
Branch where the Settlement
Account is available
CUST_CHARGE_GRO
UP
10
CHARACTER
Customer Charge Group
ASSET_OUTSTANDING
22
NUMBER
Outstanding Principal Amount of the
Asset
6-4
ASSET_PRINC_DUE
22
NUMBER
Due amount for the Principal
ASSET_OTHER_DUE
22
NUMBER
Due amount for the other components
ASSET_CCY
3
CHARACTER
Currency of the Asset
ASSET_BRN
3
CHARACTER
Asset branch
ASSET_BRN_LCY
3
CHARACTER
Local Currency of the asset branch
ASSET_TOTAL_OVD
22
NUMBER
Total Overdue amount for the Asset.
ASSET_SCH_OVD
3
NUMBER
Number of Schedules in Overdue
status
ASSET_EARLIEST_OVD
5
NUMBER
Number of days by which the earliest schedule is overdue
ASSET_UDEF_STATUS
4
CHARACTER
User defined status Assigned to the
Asset.
ASSET_AMOUNT
22
NUMBER
Asset Contract Amount
USERDEF_C1
35
CHARACTER
User defined Character fields
USERDEF_C2
35
CHARACTER
User defined Character fields
USERDEF_C3
35
CHARACTER
User defined Character fields
USERDEF_C4
35
CHARACTER
User defined Character fields
USERDEF_C5
35
CHARACTER
User defined Character fields
USERDEF_C6
35
CHARACTER
User defined Character fields
USERDEF_C7
35
CHARACTER
User defined Character fields
USERDEF_C8
35
CHARACTER
User defined Character fields
USERDEF_C9
35
CHARACTER
User defined Character fields
USERDEF_C10
35
CHARACTER
User defined Character fields
USERDEF_N1
22
NUMBER
User Defined Number fields
USERDEF_N2
22
NUMBER
User Defined Number fields
6-5
6.2.3.3
USERDEF_N3
22
NUMBER
User Defined Number fields
USERDEF_N4
22
NUMBER
User Defined Number fields
USERDEF_N5
22
NUMBER
User Defined Number fields
USERDEF_N6
22
NUMBER
User Defined Number fields
USERDEF_N7
22
NUMBER
User Defined Number fields
USERDEF_N8
22
NUMBER
User Defined Number fields
USERDEF_N9
22
NUMBER
User Defined Number fields
USERDEF_N10
22
NUMBER
User Defined Number fields
USERDEF_D1
11
DATE
User Defined Date fields
USERDEF_D2
11
DATE
User Defined Date fields
USERDEF_D3
11
DATE
User Defined Date fields
USERDEF_D4
11
DATE
User Defined Date fields
USERDEF_D5
11
DATE
User Defined Date fields
USERDEF_D6
11
DATE
User Defined Date fields
USERDEF_D7
11
DATE
User Defined Date fields
USERDEF_D8
11
DATE
User Defined Date fields
USERDEF_D9
11
DATE
User Defined Date fields
USERDEF_D10
11
DATE
User Defined Date fields
Payment Details Upload
You can upload the payment details through the Generic Interface module. It should contain
the following details:
Field Name
Lengt
h
SOURCE_CODE
Type
Description
15
CHARACTER
Source code to identify the External
system
ASSET_REFERENCE
35
CHARACTER
Reference number used to identify the
Asset at the source
PAYMENT_ESN
4
NUMBER
Event Sequence number for the payment.
PAYMENT_AMOUNT
22
NUMBER
Payment Amount
PAYMENT_CCY
3
CHARACTER
Payment Currency
6-6
PAYMENT_DATE
11
CHARACTER
Date of payment
COLLECTION_AGNT
9
CHARACTER
Collection Agent ID associated with the
Payment.
REVERSAL_ESN
4
NUMBER
The ESN of the Reversal of payment.
REVERSAL_DATE
11
CHARACTER
Date on which the reversal happened.
PAYMENT_STATUS
1
CHARACTER
‘A’ for Active,’R’ for Reversed.
Refer ‘Generic Interface’ user manual for more details on upload functionality.
6-7
7. Annexure – Events and Advices for Collections
7.1
Collection Events
The following is an exhaustive list of events that can take place during the lifecycle of
Collection module.
7.1.1
Sr.
No.
Event
Code
Description
New
Version?
1
CQAS
Collection Queue Assignment
Y
2
CASG
Collection Agent Assignment
Y
3
CNIB
Interaction Booking
N
4
CNAP
Interaction Approval
N
5
CNRJ
Interaction Rejection
N
6
CNEX
Interaction Execution
N
7
CNMS
Interaction Reminder Message
N
8
BFEE
Broken promise Penalty Charge.
N
9
RFEE
Reversal of Broken Promise Fee
N
10
CAMD
Collection amendment
Y
11
CIAM
Collection Interaction Amendment
N
12
CLOS
Collection Closure
N
13
CLST
Collection State Change
N
14
INIT
Collection Initiation
Y
Advices
The following advice is available for Collection Module. The advice is sent only to the
customer. There will not be any advices for the collection Agent except when he holds an
account with the bank.
Sr.
No.
1
Message Type
Description
COLL_REMINDER
Collection Reminder Message
The following Advice tags are provided for the above message.
7-1
Sr.
No.
Advice Tags
Description
Message Type
1
_COLL-AGENTID_
The Collection Agent Id
COLL_REMINDER
2
_COLL-AGENTNAME_
Collection Agent Name
COLL_REMINDER
3
_CUST-ID_
Customer ID
COLL_REMINDER
4
_ACTION-CODE_
Follow-up Mode Description
COLL_REMINDER
5
_ASSET-REF_
Asset Reference number.
COLL_REMINDER
6
_ASSET-CCY_
Asset Currency
COLL_REMINDER
7
_INTERACTIONREFERENCE_
Interaction Reference Generated
by the system. Will be null if the
message is not linked to an existing
interaction.
COLL_REMINDER
8
_INTERACTIONPLACE_
Interaction place as captured in the
system. Will be null if the message
is not linked to an existing interaction.
COLL_REMINDER
9
_INTERACTIONTIME_
Interaction time. Will be null if the
message is not linked to an existing
interaction.
COLL_REMINDER
10
_INTERACTIONCOMMENTS_
Interaction Comments. Will be null
if the message is not linked to an
existing interaction.
COLL_REMINDER
11
_INTERACTIONDATE_
Interaction Date. Will be null if the
message is not linked to an existing
interaction.
COLL_REMINDER
12
_NEXT-ACTIONDATE_
Next Action Date. Will be null if the
message is not linked to an existing
interaction.
COLL_REMINDER
13
_ADDL-TXT_
The Additional text keyed in the
diary message screen.
COLL_REMINDER
14
_PTP-AMOUNT_
Amount the Customer has promised to pay. Will be null if the message is not linked to an existing
interaction.
COLL_REMINDER
7-2
7.2
15
_PTP-DATE_
Date by which the above amount
will be paid. Will be null if the message is not linked to an existing
interaction.
COLL_REMINDER
16
_TOTAL-PTPAMT_
Total PTP amount
COLL_REMINDER
17
_ASSET-OUTSTANDING_
Total Amount outstanding for the
Asset.
COLL_REMINDER
18
_COLLECTIONREF_
Collection Reference associated
with this message.
COLL_REMINDER
19
_COLLECTIONSTATE_
Collection State
COLL_REMINDER
20
_COLLECTIONQ_
Collection Queue.
COLL_REMINDER
21
_PTP-CHG_
PTP Charge calculated
COLL_REMINDER
Process Codes for Collection Module
The following is a list of process codes that are available to serve the reference number
generation across various screens.
Process
Code
Purpose
ZCAA
Reference Number generated during Assignment/Re-assignment of
Collection Agent
ZINT
For Customer Interaction recording, Interaction reference.
ZCQC
Queue Change reference Generation
ZCBK
Bulk reference used in the two queue screens.
7-3
8. Reports
8.1
Introduction
The report programs available under the Collections (CN) module are explained in this
chapter. All activities that are performed by the CN module are recorded. The inputs you have
made at different stages of the contract are pieced together and can be extracted in the form
of meaningful reports as and when you may require them.
The reports that can be generated for the CN Module are as follows:

OBIEE Repository

Activity Report

Delinquency Analysis by Overdue Days

Account Level Activity

Delinquency and Activity by each Collection Agent

Cash Receipts by Collector, Daily and Month to Date

Customer Aging Report by Collector (Agent)

Contacts Results and tickles by Collector (Agent) Summery

Contacts Results and tickles by Collector (Agent) Detailed Report

Fee Liquidated to Collection Agent

Collection Interaction Details
Note
Note that for some of the reports you do not have to make any specifications. For such
reports, there is no Report Options screen.
8.2
OBIEE Repository
An OBIEE repository is created for the customer collection interaction details. In addition to
the CN module data stores some core data stores like the customer, currency, branch is also
provided.
Note
This can be used where the source of an Asset is “FLEXCUBE”
8.2.1
Loans under Collection Process
You can generate a report with all the loans that are under collection process with the
following details:

Collection Agent

Collection Agent Name

Loan Reference number

Collection Status

Loan Status

Customer ID
8-1
8.3

Customer Name

Loan amount

Value Date

Total Amount Due
Activity Report
The ‘Activity Report’ provides the list of the actionable items for the day for the agent. You can
invoke this report screen by typing ‘CNRAGTAC’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
You can specify the following preferences for generating the report:
Agent ID
Specify the agent Id from the adjoining option list for whom you want to generate the report.
Agent Name
Based on the agent ID selected, the system displays the name of the agent.
Agent Group Code
Based on the agent ID selected, the system displays the group code to which the agent
belongs.
Date
Specify the date till which you want to generate the report for the pending activities for the
agent.
Collection Contract Status
Specify the status of the collection contract from the adjoining option list.
Report Format
Select the report format from the adjoining drop-down list in which you want to generate the
report. You can select one of the following:

HTML

RTF

PDF

Excel
8-2
Report Output
Select the mode of output from the adjoining drop-down list. You can select one of the
following:

Print

View

Spool
Printer At
Select the printerlocation from the adjoining drop-down list. You can select one of the
following:

Client

Server
Printer
Specify the path of the printer if you want to print the report.
8.3.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The Header carries the title of the Report, information on the branch code, the branch date,
the user id, the module name, the date and time at which the report was generated and the
page number of the report.
8-3
Body of the Report
8.4
Sr. No.
Field Name
Field Description
1
Asset Reference Number
Reference number of the asset
2
Collection Reference Number
Reference number of the collection contract
3
Collection Contract Status
Status of the collection contract
4
Counterparty
Name of the asset holder
5
Counterparty ID
Counterparty identification number
6
Currency
Currency of the asset
7
Status
Collection contract status
8
Current Action
Action performed
9
Next Action
Next action after the result
10
Next Action Date
Date on which the next action has been
scheduled to initiate
11
Asset Amount
The total asset amount
Delinquency Analysis by Overdue Days
This report displays the list of assets that are overdue in the current branch. You can invoke
this report screen by typing ‘CNRDLQOD’ in the field at the top right corner of the Application
tool bar and clicking the adjoining arrow button.
You can specify the following preferences for generating the report:
Branch Code
Specify the unique code for the branch from the adjoining option list.
8-4
Delinquency Component
Specify the delinquency for collection from the adjoining option list.
Minimum Delinquency Days
Specify the minimum days of delinquency.
Report Format
Select the report format from the adjoining drop-down list in which you want to generate the
report. You can select one of the following:

HTML

RTF

PDF

Excel
Report Output
Select the mode of output from the adjoining drop-down list. You can select one of the
following:

Print

View

Spool
Printer At
Select the printerlocation from the adjoining drop-down list. You can select one of the
following:

Client

Server
Printer
Specify the path of the printer if you want to print the report.
8.4.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The Header carries the title of the report, information on the branch code, the branch date, the
user id, the module name, the date and time at which the report was generated and the page
number of the report.
8-5
Body of the Report
Sr. No.
Field Name
Field Description
1
Asset Reference Number
Reference number of the asset
2
Customer Number
Customer identification number
3
Customer Name
The name of the customer
4
Component Name
Defaulted component name
5
Schedule Due Date
Due date for the payment
6
Currency
Currency in which the amount is displayed
7
Amount Due
Total due to be paid.
8
Amount Settled
Amount paid
9
Delinquency Days
Days when the payment is not made from the
schedule due date.
Note
This report is generated manually.
8.5
Account Level Activity
This report displays the list of actions and payments for an asset reference. You can invoke
this report screen by typing ‘CNRASACT’ in the field at the top right corner of the Application
tool bar and clicking the adjoining arrow button.
You can specify the following preferences for generating the report:
Asset Reference Number
Specify the asset reference number from the adjoining option list for which you want to
generate the report.
8-6
Branch Code
Specify the unique code for the branch from the adjoining option list.
From Date
Specify the date from when the report needs to be generated.
To Date
Specify the date until when the report needs to be generated.
Report Format
Select the report format from the adjoining drop-down list in which you want to generate the
report. You can select one of the following:

HTML

RTF

PDF

Excel
Report Output
Select the mode of output from the adjoining drop-down list. You can select one of the
following:

Print

View

Spool
Printer At
Select the printer location from the adjoining drop-down list. You can select one of the
following:

Client

Server
Printer
Specify the path of the printer if you want to print the report.
8.5.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The Header carries the title of the report, information on the branch code, the branch date, the
user id, the module name, the date and time at which the report was generated and the page
number of the report.
8-7
Body of the Report
Field Name
Field Description
Customer No
Customer identification number
Collection Reference
Number
Reference number of the collection contract
Interaction Reference
Number
Reference number to identify the interaction
Agent Code
Agent identification number
Agent Name
The name of the agent
Action Code
Code of the action performed
Action Result
Result of the action initiated
Action Date
Date on which the action was initiated
Next Action
Next action after the result
Next Action Date
Date on which the next action has been scheduled to initiate
Queue Id
Name of the queue to which the collection belong
to
Media of Communication
Mode of communication
Currency
The currency in which the amount is displayed
Payment Amount
Total due to be paid.
Payment Date
Date on which payment was made
Note
This report is generated manually.
0.6
Delinquency and Activity by each Collection Agent
This report displays the list of delinquency and activities for the agent. You can invoke this
report screen by typing ‘CNRDLQAG’ in the field at the top right corner of the Application tool
bar and clicking the adjoining arrow button.
8-8
You can specify the following preferences for generating the report:
Agent Id
Specify the agent Id from the adjoining option list for whom you want to generate the report.
Report Format
Select the report format from the adjoining drop-down list in which you want to generate the
report. You can select one of the following:

HTML

RTF

PDF

Excel
Report Output
Select the mode of output from the adjoining drop-down list. You can select one of the
following:

Print

View

Spool
Printer At
Select the printerlocation from the adjoining drop-down list. You can select one of the
following:

Client

Server
Printer
Specify the path of the printer if you want to print the report.
8.5.2
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
8-9
Header
The Header carries the title of the report, information on the branch code, the branch date, the
user id, the module name, the date and time at which the report was generated and the page
number of the report.
Body of the Report
0.7
Sr. No.
Field Name
Field Description
1
Agent Id
Agent identification number
2
Branch Code
Code of the branch
3
Collection Reference
No
Reference number of the collection contract
4
Asset Reference No
Reference number of the asset
5
Component Name
Defaulted component name
6
Schedule Due Date
Due date scheduled for the payment
7
Amount Due
Total due to be paid.
8
Amount Settled
Amount paid
9
Delinquency Days
Days when the payment is not made from the
schedule due date
10
Action Code
Code of the action performed
11
Action Result
Result of the action initiated
12
Next Action
Next action after the result
13
Next Action Date
Date on which the next action has been scheduled to initiate
Cash Receipts by Collector, Daily and Month to Date
This report displays the payment mode for all the assets which has been handled by the agent
between the ‘From’ and ‘To’ date. You can invoke this report screen by typing ‘CNRCASRT’
in the field at the top right corner of the Application tool bar and clicking the adjoining arrow
button.
8-10
You can specify the following preferences for generating the report:
Agent Id
Specify the agent Id from the adjoining option list for whom you want to generate the report.
From Date
Specify the date from when the report needs to be generated.
To Date
Specify the date until when the report needs to be generated.
Report Format
Select the report format from the adjoining drop-down list in which you want to generate the
report. You can select one of the following:

HTML

RTF

PDF

Excel
Report Output
Select the mode of output from the adjoining drop-down list. You can select one of the
following:

Print

View

Spool
Printer At
Select the printer location from the adjoining drop-down list. You can select one of the
following:

Client

Server
Printer
Specify the path of the printer if you want to print the report.
8-11
8.5.3
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The Header carries the title of the Report, information on the branch code, the branch date,
the user id, the module name, the date and time at which the report was generated and the
page number of the report.
Body of the Report
Sr. No.
Field Name
Field Description
1
Collection Reference
Number
Reference number of the collection contract
2
Asset Reference Number
Reference number of the asset
3
Branch Code
Code of the branch
4
Value Date
Amount paid date
5
Payment Amount
Total amount paid.
6
Currency of Payment
Payment currency
Note
This report is generated manually.
8.6
Customer Aging Report by Collector (Agent)
This report displays the list of customers and their asset details which are under selected
agent. You can invoke this report screen by typing ‘CNRCUSRP’ in the field at the top right
corner of the Application tool bar and clicking the adjoining arrow button.
8-12
You can specify the following preferences for generating the report:
Agent Name
Specify the agent name from the adjoining option list for whom you want to generate the
report.
From Date
Specify the date from when the report needs to be generated.
Number of Days
Specify the number of days for which you want to generate the report.
Report Format
Select the report format from the adjoining drop-down list in which you want to generate the
report. You can select one of the following:

HTML

RTF

PDF

Excel
Report Output
Select the mode of output from the adjoining drop-down list. You can select one of the
following:

Print

View

Spool
Printer At
Select the printer location from the adjoining drop-down list. You can select one of the
following:

Client

Server
Printer
Specify the path of the printer if you want to print the report.
8.6.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The Header carries the title of the report, information on the branch code, the branch date, the
user id, the module name, the date and time at which the report was generated and the page
number of the report.
8-13
Body of the Report
Sr. No.
Field Name
Field Description
1
Customer Id
Customer identification number
2
Collection Ref Number
Reference number of the collection contract
3
Collection Initiated
Date
Date on which the collection was initiated
4
Asset Reference No
Reference number of the asset
5
Asset Related Details
Product code of the asset
6
Number of Days
Number of overdue days for the payment
Note
This report is generated manually.
8.7
Contacts Results and tickles by Collector (Agent)
Summery
This report displays the list of interactions which are initiated by the agent. You can invoke
this report screen by typing ‘CNRINTSM’ in the field at the top right corner of the Application
tool bar and clicking the adjoining arrow button.
You can specify the following preferences for generating the report:
Agent Name
Select the name of the agent from the option list.
From Date
Specify the date from when the report needs to be generated.
8-14
To Date
Specify the date until when the report needs to be generated.
Report Format
Select the report format from the adjoining drop-down list in which you want to generate the
report. You can select one of the following:

HTML

RTF

PDF

Excel
Report Output
Select the mode of output from the adjoining drop-down list. You can select one of the
following:

Print

View

Spool
Printer At
Select the printerlocation from the adjoining drop-down list. You can select one of the
following:

Client

Server
Printer
Specify the path of the printer if you want to print the report.
8.7.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The Header carries the title of the Report, information on the branch code, the branch date,
the user id, the module name, the date and time at which the report was generated and the
page number of the report.
8-15
Body of the Report
Sr. No.
Field Name
Field Description
1
Branch Code
Code of the branch
2
Interaction Reference
Number
Reference number to identify the interaction
3
Asset Reference Number
Reference number of the asset
4
Customer Id
Customer Identification number
5
Customer Name
The name of the customer
6
Collection Reference
Number
Reference number of the collection contract
7
Collection Initiated
Date
Date on which the collection was initiated
8
Asset Related Details
Asset product code
Note
This report is generated manually.
8.8
Contacts Results and tickles by Collector (Agent) Detailed Report
This report displays the list of interactions which are initiated by the agent and corresponding
result of the interaction. You can invoke this report screen by typing ‘CNRAGIND’ in the field
at the top right corner of the Application tool bar and clicking the adjoining arrow button.
You can specify the following preferences for generating the report:
8-16
Agent Name
Select the collection agent name from the adjoining option list.
From Date
Specify the start date of the report date range. The system will generate the report covering
the details from this date.
To Date
Specify the end date of the report date range. The system will generate the report covering
the details until this date.
8.8.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The Header carries the title of the Report, information on the branch code, the branch date,
the user id, the module name, the date and time at which the report was generated and the
page number of the report.
8-17
Body of the Report
Field Name
Field Description
Interaction Ref No
Reference number to identify the interaction
Asset Reference Number
Reference number of the asset
Asset Currency
Currency of the asset
Asset Amount
Total asset amount
Customer Id
Customer identification number
Customer Name
The name of the customer
Collection Reference
Number
Reference number of the collection contract
Collection Initiated
Date
Date on which the collection was initiated
Action Initiated
Action performed
Action Initiation Date
Date on which the action was initiated
Result of Action
Result of the action initiated
Next Action
Next action after the result
Next Action Date
Date on which the next action has been scheduled to initiate
PTP Amount
Amount promised to pay
Note
This report is generated manually.
0.11 Fee Liquidated to Collection Agent
This report displays the collection fee liquidation to the agent in a specified internal for the
given branch. You can invoke this report screen by typing ‘CNRFEEL’ in the field at the top
right corner of the Application tool bar and clicking the adjoining arrow button.
8-18
You can specify the following preferences for generating the report:
Branch Code
Specify the Unique code of the branch from the adjoining option list.
From Date
Specify the date from when the report needs to be generated.
To Date
Specify the date until when the report needs to be generated.
Agent ID
Select the agent ID from the option list.
Report Format
Select the report format from the adjoining drop-down list in which you want to generate the
report. You can select one of the following:

HTML

RTF

PDF

Excel
Report Output
Select the mode of output from the adjoining drop-down list. You can select one of the
following:

Print

View

Spool
Printer At
Select the printer location from the adjoining drop-down list. You can select one of the
following:

Client

Server
8-19
Printer
Specify the path of the printer if you want to print the report.
8.8.2
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The Header carries the title of the Report, information on the branch code, the branch date,
the user id, the module name, the date and time at which the report was generated and the
page number of the report.
Body of the Report
Sr. No.
Field Name
Field Description
1
Branch Code
Code of the branch
2
Agent Id
Agent identification number
3
Collection Reference
Number
Reference number of the collection contract
4
Asset Reference Number
Reference number of the asset
5
Liquidation Ref Number
Reference number of liquidation of the asset
6
Liquidated Date
Date on which the asset was liquidated
7
Currency
Currency of the asset
8
Asset Liq Amount
The asset liquidation amount
9
Fee Liq Amount
The fee liquidation amount
Note
This report is generated manually.
8.9
Collection Interaction Details
You can invoke this report screen by typing ‘CNRINTDT’ in the field at the top right corner of
the Application tool bar and clicking the adjoining arrow button.
8-20
You can specify the following preferences for generating the report:
Collection Agent ID
Select the collection agent id from the following options:

Specific

All
Collection Agent ID
If the collection agent id is selected as Specific, then specify the collection agent id from the
adjoining option list.
Loan Reference Number
Select the loan reference number from the following options:

Specific

All
Loan Reference Number
If the loan reference number is selected as specific, then specify the loan reference number
from the adjoining option list.
Product
Select the product from the following options:

Specific

All
Product
If the product is selected as specific, then specify the product from the adjoining option list.
Collection Status
Specify the collection status from the adjoining option list.
Customer ID
Specify the customer ID from the adjoining option list.
8-21
8.9.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
8-22
Header
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch
Name
Indicates Current Branch code and Branch
Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates Current Branch Date
Report Run Time
Indicates Current Branch Time
Body of the Report
Field Name
Field Description
Interaction Reference
Number
Indicates the interaction reference number
Collection Reference
Number
Reference number of the collection contract
Loan Reference Number
Indicates the loan reference number
Product
Indicates the product code
Customer ID
Indicates the customer ID
Customer Name
Indicates the name of the customer
Collection Status
Indicates the status of the collection
Collection Agent
Indicates the collection agent
Currency
Currency of the asset
Action Code
Indicates the action code
Interaction Date
Indicates the interaction date
Next Action
Indicates the next action
Next Action Date
Indicates the date of the next action date
Result Code
Indicates the result code
Result Date
Indicates the date of the result code
Amount
Total due to be paid
Comments
Indicates comments, if any
8-23
9. Function ID Glossary
CNRCASRT .................... 8-10
CNRCUSRP .................... 8-12
CNRDLQAG ...................... 8-8
CNRDLQOD ...................... 8-4
CNRFEEL ....................... 8-18
CNRINTDT ...................... 8-20
CNRINTSM ..................... 8-14
CNSACTCD ...................... 3-2
CNSASGNQ .................... 4-12
CNSAXRSN ...................... 3-7
CNSBPFEE ..................... 5-20
CNSCAASG .................... 5-25
CNSCAGRP .................... 3-14
CNSCLDRY .................... 5-15
CNSCLNST ..................... 3-11
CNSCNQCH ................... 5-18
CNSCOLIN ..................... 5-11
CNSDLQRS ...................... 3-9
CNSPRMNT ...................... 4-4
CNSPTPPO .................... 3-16
CNSQRULE .................... 4-10
CNSRESLT ....................... 3-5
CNSSTMAP ...................... 4-7
CNSUSRAG .................... 5-27
C
CNDACTCD ......................3-1
CNDASGNQ ....................4-11
CNDAXRSN ......................3-6
CNDBPFEE .....................5-19
CNDCAASG ....................5-22
CNDCADSH ....................5-28
CNDCAGRP ....................3-12
CNDCLDRY ....................5-13
CNDCLNST .....................3-10
CNDCNQCH ....................5-16
CNDCOLIN ........................5-4
CNDDASH ......................5-32
CNDDLQRS ......................3-8
CNDINAPQ .....................5-21
CNDONONL ......................5-1
CNDPRMNT ......................4-1
CNDPTPPO ....................3-15
CNDQRULE ......................4-8
CNDRESLT .......................3-4
CNDSTMAP ......................4-6
CNDUSRAG ....................5-26
CNRAGIND .....................8-16
CNRAGTAC ......................8-2
CNRASACT .......................8-6
9-1
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