How it works
The system manages three main entities. Cases, Credit Positions and Relationships: each entity has its own states and rules. A case can contain multiple positions, each position has its own configurable classification states.
Demands can start both automatically and manually, depending on the process. Termination letters, formal notices, restructuring notifications: configure the rules and the system produces and sends them. You intervene on exceptions, not routine.
Payment plans are monitored. The customer accepted a plan? The system tracks each installment, reports defaults, calculates when the trial period (cure period) ends. If everything goes well, the position normalizes. If not, you immediately know it’s time to change strategy.
The agenda keeps track of everything. Reminders for phone calls, appointments, document deadlines: everything organized in a centralized agenda that doesn’t let any commitment slip.
Agreement negotiation is guided. Negotiation, proposal, approval with multi-level authorization process, payment monitoring: everything in a structured flow. You know how many negotiations are open, where they stand, which ones are closing.
Guarantees are enforced when needed. The system knows which guarantees are active on each position and guides you in activation. Portals, documentation, communications: everything tracked.
Inactive relationships have a dedicated process. Automatic detection of inactive positions, customer communications, possible restructuring: a specific workflow for this type.
Reclassification is documented. When there’s no alternative, the system prepares the complete file: reclassification proposal, necessary documentation, communications. Ready for transfer to the specialized function.
How it’s built
Architecture
The system manages positions with states that evolve over time. Architecture designed for performance and auditability. Scheduled jobs for automatic communications and periodic checks.
Configurability
Each position type (at-risk, problematic, compromised) has its own workflow with specific states and transitions. Configurable without code intervention. Automatic rules for officer assignment, communication production, notifications and deadlines.
Available integrations
- Classification system for position states and categories
- Management system for credit position data
- Guarantee entities for available guarantee activation
- Postal services for registered mail communications
- Certified communication system for formal notifications
Audit and compliance
Complete traceability of all operations with multi-level authorization process. Dedicated dashboards for monitoring: My Cases (personal view of assigned positions), Summary (general overview of portfolio status), Monitoring (position management indicators and trends), Agreement Negotiation (status of ongoing negotiations), Inactive Positions (non-moving relationship management).
See also
- InnovaExpro - Asset recovery and enforcement procedures management
- InnovaReporting - Problematic credit dashboards and recovery indicators
- InnovaBpm - Custom workflows for credit recovery