QUALCO 360 is a constantly expanding solutions ecosystem that enables businesses to rapidly align operational activity with ever-changing customer behaviour.
Combining advanced Αnalytics and Machine Learning with a comprehensive collections system and specialist digital engagement tools, QUALCO 360 revolutionises the management of non-performing exposures and credit portfolios while delivering a seamless customer and user journey.
QUALCO 360 supports all asset classes, from banking to NPL servicing, retail credit to utilities, consumer, SME, and corporate both secured and unsecured. It also covers the whole credit lifecycle, from performing and high-risk performing, through to early-stage delinquency to legal and recoveries.
QUALCO 360 supports the collection of Account Receivables in all sectors, from banking to NPL servicing; retail credit to utilities; consumer, SME, and corporate both secured and unsecured. It also covers the whole credit lifecycle, from high-risk performing, through to early-stage delinquency to legal and recoveries.
QUALCO 360 is a unified suite of products and services that empower your business with data insights and faster, more accurate operations that deliver better outcomes and reduced losses. By participating in this ecosystem, you take advantage of concentrated business knowledge and economies of scale.
Fully integrated with the latest real-time APIs, QUALCO 360 ensures that all the latest forms of communication methods are accessible within your strategies. Customisable digital channels allow customers to interact and self-serve through their preferred channels.
Leverage our sophisticated workflow and process design functionality to build optimised customer journeys and monitor performance. Our latest streamlined web UI presents the right data at the right time in the right location to agents to enable them to focus on the call rather than the system.
Digital customer engagement & self-service capabilities are key components of QUALCO 360. Create customer journeys with optimal solutions and seamless digital integration.
Connect to different data streams for scoring and modelling to segment, identify key customer traits, and classify accounts. Use pre-built modelling techniques to devise your own internal scoring with the ability to predict and forecast behaviour prior to implementation.
Easily streamline your processes with our configuration tool which allows you to optimise and identify trends using functionality such as champion challenger. Create and develop effective strategies with our graphical, visual interface.
Minimise business effort and cost while realising early benefits and ROI through rapid delivery with many pre-configured functions and MVP options that allow an implementation into production with minimal impact on BAU.
Enable compliance and increase control all whilst mitigating risk with our robust reporting and documentation tools, making your life easier for audits, reviews and driving process excellence.
QUALCO 360 provides a forward-looking, digital first approach to NPE case management that delivers a seamless customer and user journey.
From self-service capabilities to digital business models and process automation, QUALCO 360 delivers your entire digital transformation journey
Allocation of customers to debt collection agencies (DCAs) and other third parties is an important part of the management of any debt portfolio. However, the actual process by which this allocation is made varies significantly across types of debt, jurisdictions, portfolio originators and servicers or panel managers.
QUALCO 360 provides you with all the necessary tools required to optimise the allocation of individual customers to specific DCAs in order to maximise a defined objective, for example, cash collected. In addition, it minimises the disruption of existing business practices and the need for enhancements to existing technical capabilities.
Some of the benefits are:
When it comes to credit risk management history has showed repeatedly that proactive monitoring is the difference between success and failure.
Qualco 360 offers a complete early warning mechanism that is an essential component of a sound debt management framework and a great tool to:
Using data analysis and machine learning algorithms we identify early warning indicators, so the triggers and events that take place before a customer starts missing payments. Using predictive models we profile, visualise, segment, and ultimately prioritise the conversations and messages that are going to go out to pre-delinquent customers.
The outputs of the modelling feed the operational activity (either a work list or a comms tool, e.g. a campaign manager/dialer) and launch the proactive action to try and pre-empt the debt happening.
Self-curing is a strategy that provides a grace period for a customer in which to pro-actively pay off their outstanding balance before investing the organisation’s resources to contact them to make a direct request for that payment. Digital communications and self service capabilities play an integral role in this phase.
With QUALCO 360 you are able to identify and segment consumers who are eligible to self-cure while you are offered a complete digital collections ecosystem that enables you to:
A self-cure model based on machine learning and big data can identify successfully self-cure accounts, eliminate false positives, and allow creditors to concentrate their collection activity on consumers with higher risk scores.
The outputs of the modelling feed the operational activity and the respective customers are informed about their delinquent status and their options to use self-service tools to pay or to register a promise to pay.
During self-collection stage, digital and self-service are the only open customer communication channels.
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