Snow-Blade is a collections solution System designed to help banks in collecting arrears due from corporate and retail (personal) debts. The recovery, relation, risk or credit risk department can use information from snow blade to analyze and follow up on debts with arrears due. Snow blade displays this information from data it extracts automatically from a core banking system. Data retrieved from core banking system is displayed as information basically through organizations set collection policies and the system parameters which are based on international collection procedures. Snow blade is designed to help the credit managers recover and analyze customer behaviors and tendencies toward debt settlement. The system is designed to assist the fanciers to closely profile client’s payment behaviors in a systematic manner

1. SNOW BLADE- DEBT
COLLECTION SOFTWARE
PROPOSAL
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2. WHO WE ARE
 As a premium global business solutions provider that delivers world-class solutions for
enterprise and government clients, Transcends Systems (TS) is a long-term thinker, a
strategic advisor and, for many companies, a gateway to East Africa and the rest of the
Africa.
 As your business solution partner, TS will work with you to create competitive advantage
from the rapidly emerging technologies always ensuring a versatile and reliable platform
for your information systems that will adapt to changing business priorities.
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3. PARTNERSHIPS
The task will be done in partnership with Nobler solutions LTD a Kenya software company based in Nairobi.
Nobbler specializes in Business software solutions to SMEs and corporate organizations. Team members focus
their energies not only in providing systems to its clients but also solutions to their business processes.
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4. VISION
To be a business solution partner of your choice
MISSION
To provide innovative, reliable and sustainable business solutions.
By delivering high quality business solutions, Transcends Systems E.A Ltd aims to help you to manage business
risk, reduce costs and gain enhanced value from your IT investments.
CORE VALUES
o Quality
o Efficient
o Integrity
o Innovate
STRATEGIC PILLARS
 Profitability
 Strong Organizational Structure and Culture
 Research and Development
 Infrastructure and facility Development
 Market Presence and Penetration
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5. KEY AREAS OF FOCUS
Software Technologies
At Transcends Systems, we not only have the know-how, but also the expertise and experience in the following
technologies:
 Enterprise Software development
 Enterprise Application Integration
 Software Testing and IT Forensic Audit
 Enterprise resource planning (ERP)
 Data Storage & Consolidation
 Online presence management & digital marketing
 Mobile apps development
 Software Installations and maintenance such as, QuickBooks, Sage pastel evolution,
 Enterprise resource planning (ERP)
 Debt management software,
 Payroll software,
 Asset tagging,
 School management software,
 Bulk SMS software,
 Hospital management software among others.
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6. CLIENTS
Over the years, Transcends Systems in partnership with Nobler solutions has been able to satisfy a number of
clients through its tailor-made software solutions. Some of these clients include:
 Bank of Kigali
 Metropol Credit reference bureau
 Quest Holding
 Century deposit taking microfinance
 Procom Kenya Ltd
 Furahia Mobile
 Global Technologies Ltd
 Rapid communications among others
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7. SYSTEM SPECIFICATIONS
Snow Blade
 Snow-Blade is a collections solution System designed to help banks in collecting arrears due from corporate and
retail (personal) debts.
 The recovery, relation, risk or credit risk department can use information from snow blade to analyze and follow
up on debts with arrears due.
 Snow blade displays this information from data it extracts automatically from a core banking system.
 Data retrieved from core banking system is displayed as information basically through organizations set
collection policies and the system parameters which are based on international collection procedures.
 Snow blade is designed to help the credit managers recover and analyze customer behaviors and tendencies tow
ard debt settlement.
 The system is designed to assist the fanciers to closely profile client’s payment behaviors in a systematic manner
.
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8.  The system has a report card that records and profile all correspondences made to the client in an effort to collect
arrears. As such the fancier is able to monitor and profile the behavioral aspect of the client e.g when the client is
evasive, in denial, gone underground, unable to commit, and sounds cooperative, aggressive, among other behavi
ors
 The information gathered will rank the client in the radar tool which will alert the management as and when the
client becomes risky to the current loan or other related loan portfolios.
 Snow blade will help the management to trigger actions like reporting the case to external debt collectors.
 The beauty of this system is that the debtor collector will use the same system modules to profile the defaulter be
haviors.
 The fancier will be able to know how the debtor collectors handle their clients and whether or not the client is ev
asive or corporative. Since it is seamless the fancier will not need and report from the debtor collector and their p
erformance as such he will be able to access the report from his end.
The sole purpose of this system is end to end debtor management
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9. Core Functions - Brief Overview
I. Ability to connect to core banking systems
Snow blade can get files from the system in one of the following ways
(a) Pipe or comma delimited text files from the CBS.
(b) Web services; REST or SOAPAPI from the core banking system. (c) Manual upload in excel or CSV for
mats.
This means that the system can function as a stand-alone.
II.Manage the Account Manager’s (ACM) Portfolio
Right from the issuance of a loan, snow blade establishes a link between the file and its chain of account managers. Thi
s means before a file gets from relation to risk, the recovery officer is able to point out a file likely to default at an early
stage.
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10. III. Manage ACM’s Diary
The system keeps a diary of all actions and follow- ups that need to be done by the ACM. This includes, calls, visi
ts, meetings, Email and text Messages.
Managers have access to this diary and it enables them to plan for the resources available in this departments.
IV. Manage ACM’s Task List
The system automatically creates a task list for the ACMs in all departments to ensure that all case files are follo
wed up. The task list enforces the work manual / policy
- Allocate case files to credit officer
- Case file re-allocations to credit officer
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11. Collection Cycle
Debtor Details
I
.
Names
II
.
Personal Details
III
.
A/C Number
IV
.
Amount Due
V
.
Next of Kin
If date is not due
Send Reminders:
SMS,
EMAIL
YES
Contact Debtor by
Calling, sending Text
messages and Emails
PTP
promise to
pay
• Amount disputed
• Debtor not aware
• Restructuring
Payment honoured
Check for
debt class
Raises Issue
Escalate to external
collectors
Close File
Not Contacted
Indicate Outcome
or reason e.g.
phone is off, busy
Contact next of kin
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12. Hardware/ software name Specs Tentative cost Comments
HP ProLiant Sever, Gen 8. 200 GB HDD
4GB RAM
2.4 GHZ
200,000 Dependent of the number of users
1 PC 500GB HDD
4GB RAM
1.6 DUO CORE
60,000
Centos Operating system Version 6.5 and above free Open source
Mysql Server Version 5 and above Free Open Source
Internet At least 2mps Client preferred supplier
SOFTWARE/ HARDWARE REQUIREMENTS
The following is the minimum h/s ware requirement
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13. For Questions? / Comments? Kindly contact us
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James Mueke
Business Development Manager
Transcends Systems E.A Ltd
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Telephone: +254-732-761-964 /+254-724-761-964
P.O Box 9444-00100
Nairobi.
www.transcendsystemsea.co.ke
Location-Church road -off Waiyaki Way-next to IOM building-Westland's
/Nairobi-Kenya