Leasing Management
Simple | Intuitive | Flexible | Complete
powered by TotalSoft, one of the world’s top 10 providers of L...
We deliver leading multi-country group software
solutions built with in-depth know-how
and expertise from the leasing sect...
Solution of Choice for leasing
industry leaders in the region
Charisma Leasing Management is leveraged by several importan...
4 5
It is easy to see that Charisma Leasing Management has
become a global favourite because it has distinguished itself
b...
There are so many
reasons for choosing
Charisma Leasing
Management powered
by TotalSoft
Increased revenues
Improved risk m...
Main functionalities
of Charisma Leasing Management
Quotations and credit application approval flow
Designed for financial...
Flexible agreement parameterization
Charisma Leasing Management solution allows
companies to fully manage
their customers’...
Integrated partners services
Business collaterals
Complete and efficient collection process
Advanced tools for fleet monit...
Controlling features
Flexible accounting tool
Charisma Leasing Management is a powerful and complex tool for controlling t...
References „Raiffeisen’s relationship with TotalSoft has already been employed for
several years and is marked by the impl...
poza
Withover18yearsofexperience,TotalSoftis
the largest Romanian ERP provider,
according to the market research company
P...
©TotalSoft2013
TotalSoft Headquarters
,Global City Business Park 10 Bucharest - Nord Street
th
Building O2, 8 Floor,
P: +4...
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Charisma leasing management - We deliver leading multi-country group software solutions built with in-depth know-how and expertise from the leasing sector

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Regardless of the type of business the leasing company runs – financial, operational, close-end – and of the size or complexity of its transactions, an integrated solution is required for efficient management of customers, partners, contracts and leasing operations, which covers the entire lease life cycle - from lease quotation to contract termination and asset disposal - and internal company’s flow.
All non-banking financial institutions will benefit from a complete End-to-End solution. Given a powerful set of tools that easily adapt to specific needs, no matter the size, each company will be able to significantly reduce the operational costs by optimizing the sales force, back office operations, security, transparency, risk management decisions and financial performance.

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Charisma leasing management - We deliver leading multi-country group software solutions built with in-depth know-how and expertise from the leasing sector

  1. 1. Leasing Management Simple | Intuitive | Flexible | Complete powered by TotalSoft, one of the world’s top 10 providers of Leasing Software (KPMG)
  2. 2. We deliver leading multi-country group software solutions built with in-depth know-how and expertise from the leasing sector Regardless of the type of business the leasing company runs – financial, operational, close-end – and of the size or complexity of its transactions, an integrated solution is required for efficient management of customers, partners, contracts and leasing operations, which covers the entire lease life cycle - from lease quotation to contract termination and asset disposal - and internal company’s flow. All non-banking financial institutions will benefit from a complete End-to-End solution. Given a powerful set of tools that easily adapt to specific needs, no matter the size, each company will be able to significantly reduce the operational costs by optimizing the sales force, back office operations, security, transparency, risk management decisions and financial performance. Integrated front-, middle- and back-office business software that covers a wide range of leasing products and types End-to-end asset finance solution Operational & performance analysis Group reporting Equipment Cars Light commercial vehicles Trucks & Trailers Automobiles Real estate (Project development, construction & sale) Operating lease Capital lease Loans Additional / Third party services (insurance, replacement, service) Retail | Corporate | Public sector
  3. 3. Solution of Choice for leasing industry leaders in the region Charisma Leasing Management is leveraged by several important leasing groups as a standardized solution supporting multi-country operations, predominantly in central and eastern European countries. The solution is fully localized and compliant with local accounting requirements, international standards (IFRS and US GAAP) currency, language, regulations and legislation, including cases of challenging countries such as Ukraine, Greece and Russia. Charisma supports local branches to meet the group reporting requirements, and the headquarters to have a unified and transparent view of their multi-country operations. Successful implementations in over 15 countries in Europe One system for centrally managing multiple business units Multi-currency, multi-language, multi-site, multi-country application Compliant with international standards In 2012 TotalSoft becomes an associate member of Leaseurope, the federation which brings together 44 leasing and car rental associations in Europe. 2014associate member of
  4. 4. 4 5 It is easy to see that Charisma Leasing Management has become a global favourite because it has distinguished itself by delivering complex business solutions to industry leading organizations that are working in a highly competitive market place. It provides usability and transparency to more than 100 customers in the financial services sector including leasing, banking, insurance and brokerage corporations. Charisma Leasing Management provides an integrated, modular and scalable solution, which covers the entire asset-based financial institutions management, from quotations, credit applications and its approval flow, scoring engine (risk management), to contract signing and alterations after signing and asset disposition. Unrivaled business coverage Charisma Leasing Management is an unparalleled market leading solution, which leverages TotalSoft’s more than 10- years experience in providing integrated software solutions that meet best practice level in the finance and banking sector. Charisma ERP Operational Leasing Financial Leasing Web Leasing Insurance Credit Refinancing Financial Wholesale Factoring Charisma Analyzer (BI)Charisma Alerter Reporting to Credit Bureau and National Bank Charisma Collection Fleet Management Charisma Document Management Charisma Cost Control Charisma Workflows CRM Charisma Self Service Charisma HCM Charisma Leasing Management covers a wide range of leasing products, from the simplest to the most complex, by offering different functions to manage the business coherently and efficiently. Whether it’s dealing with different currencies, miscellaneous financial products or lease agreements (financial, operational), this end-to-end solution covers customers, quotations, contracts, asset types, approval flows, billing and collection, together with leasing accounting and partner services.
  5. 5. There are so many reasons for choosing Charisma Leasing Management powered by TotalSoft Increased revenues Improved risk management Reduced operational cost Long-term relationship with partners Streamline your collection efforts The solution supports the company’s customers by facilitating the leasing and insurance processes and by automating the approval flows. Thanks to reducing the time spent on contract management, the number of signed contracts increases and multiple offers can be customized according to your customer’s needs. Due to advanced flexibility, localization and multi-currency functionalities, the solution allows to easily localize the offers and financial contracts. Thanks to the use of rules for the internal flows integrity and optimization, by using Charisma Leasing Management each financial institution significantly minimizes the operational and business risks. The solution provides quick and easy access to the centralized base for data integrity and configurable processes for managing and controlling the entire lease portfolio. Charisma Leasing Management provides full traceability of actions and document workflows, efficient customer and complete asset management, as well as maintenance of all lifetime changes on the contracts history. Thanks to the centralization and automation of the entire lease process, from quotations and contracts approval to signing lease collaterals such as services or insurances, the access to information becomes extremely easy, time consuming tasks are minimized and ultimately the operational costs are significantly reduced. Automated business flows, straightforward approval flows due to notifications or easy management of documents are tools which reduce the labor efforts and optimize the internal processes. In a highly challenging and economic unstable environment, the financial institution should focus on finding solutions that allow it to adapt its financial products easily, decrease the default rate, increase customer retention and minimize operational costs. Charisma Leasing Management provides advanced tools for satisfying your customer needs through flexible credit programs, features and financing abilities (multiple pricing plans, multicurrency, advance percentages, residual value, fixed or variable interest type and applicability, commissions and fees, necessary documents, allowance and seasonal periods etc) together with a unique and specialized self-service platform which provides to customers, suppliers and dealers information of interest: invoices/payments, permissions, documents, printing, debt payment or different methods of notification (e-mail, SMS). Being compatible with call-center applications for managing inbound calls or other routine customer service calls, Charisma Leasing Management solution is natively integrated with Charisma Collection, enabling the leasing company to minimize collection efforts and increase the debt recovery ratio.
  6. 6. Main functionalities of Charisma Leasing Management Quotations and credit application approval flow Designed for financial institutions to fully cover customers and market needs, Charisma Leasing Management streamlines the multiple quotations creation and allows lease applications validation – analysis/ approval/ rejection – based on an advanced risk engine. Charisma allows the management of the most financial products made for sales channels and permits working with Finance Facility at clients or group of clients level. Contract life-time cycle and change management Advanced configurability within business process and tools Operational and administrative changes during an asset life-cycle are among the highest costs of a financial institution. Streamlining and integrating the internal processes, from risk analysis and different quotes generation, to contract creation and financial conditions approval, Charisma Leasing Management reduces administrative costs and time. A wide range of change options are available for existing contracts, from using addenda for changing the financial parameters, rescheduling the installments or residual value, advanced payments, assignments, to multiple types of contract terminations. In case of similar business conditions and terms between company and customer, such as interest rate, percentage of the advance payment schedule configuration, the lessee has the option of signing a frame contract, with the possibility of adapting the financial products so as to easily meet his specific needs. The leasing solution is utilized in multiple complex environments and optimizes business activities in multiple types of leasing companies across Europe. Through localization and adaptability to any accounting and operational requirement, Charisma Leasing Management enables leasing companies to efficiently manage multiple agreements, parties, relationships, accounting reporting, and to reduce operational complexity by using variable and easy to configure payment schedules, multiple financial products, standard operational flows or in-house customized business and workflows. 6 7
  7. 7. Flexible agreement parameterization Charisma Leasing Management solution allows companies to fully manage their customers’ and suppliers’ agreements. By setting up master leasing and services agreements, together with suppliers’ contract conditions, the company’s operational employees can easily prepare and print all necessary documents for each business situation. Asset management Efficient procurement process For both financial and operational leasing, Charisma Leasing Management includes customer portfolio and financed assets management, regardless of their nature (vehicles, equipment, real estate, software) by efficiently capturing and reporting specific information and properties for each asset or asset category. It enables complete asset handling, including all international requirements with regard to accounting, cost calculation and depreciation methods. Through eExpense Request Approval module, Charisma Leasing Management decreases the company’s financial risk, provides user transparency controls and reduces the operational and data migration costs, as well as the time required to design the expense budgets. By using expense budgets, order cards, approval flows for expense requests and real-time checking of internal reserves, it also monitors the costs and acquisition processes (RFP, RFQ, offer bids), increases the efficiency of the offering and ordering process and improves the ability to capitalize on company's opportunities. Supplier Contract Management reduces time and financial effort assigned for the management of the contracts with providers, includes the management of the provider invoices' approval, as well as the history of the contractual relationships with business partners.
  8. 8. Integrated partners services Business collaterals Complete and efficient collection process Advanced tools for fleet monitoring The solution responds transparently to customer and supplier requests for documents such as invoices, contracts or other documents of interest. This way, costs are reduced and operational resources can concentrate more on business critical tasks; the process is more efficient for both the company and its business partners. Moreover, the solution provides features such as online secured payments, e-mail or SMS notices and quick printing of documents. Charisma is the perfect solution in managing and optimizing business relationships with customers and suppliers, dealers or other partners involved in company’s business, through self-service and shared services platforms. Any leasing company should have a dedicated solution to control insurance policies in terms of content, insurance terms, premiums, deductibles by type of risk, insurance conventions, periodicity and payment schedules. Charisma Leasing Management features help decrease the expenses and internal risks by managing the insurance policies, regardless of their type - asset, life, civil auto liability and financial risk insurance. This solution automates insurances generation and the calculation of values based on default insurance conventions with the insurance partners, also providing complete traceability of assets by means of the financing contracts, by managing the insurance registries and monthly accounting records. The Refinancing module of Charisma Leasing Management efficiently tracks financing contracts concluded with banking institutions or within the company group, by defining and maintaining the financing lines and money withdrawals. In addition, this complex solution provides benefits to the company through management of insurance or refinancing contracts in different currencies, as well as the scheduling of the installment payments by various criteria. Charisma Collection brings the advantage of a complete, integrated software solution that manages the collection of debts from customers, legal files resolution processes and repossession, as well as any remarketing activity (reselling, renting and refinancing) of recovered assets. It perfectly covers all areas specific to the debt collection process in multi-currency, multi-site, multi-location business environments. With the help of Charisma Collection, the financial services companies and the debt collection agencies can manage the efforts of collecting debts in simple, but precise steps: they identify debtors, create delinquency tickets, manage debtor accounts and track and complete the collection process. Through Fleet Management module, the solution streamlines the company's vehicle park, significantly reducing operating costs and ensuring its proper functioning. The module automates cost calculation for drivers and work routes, optimizing fleet and significantly contributing to company's profitability. For operational leasing companies, this module represents the best tool for real time management and control of a fleet. The management of a company’s fleet must cover all aspects of vehicle life-cycle, from purchase, profile creation, routes tracking, maintenance or assigned drivers, up to the removal from company’s management. 8 9
  9. 9. Controlling features Flexible accounting tool Charisma Leasing Management is a powerful and complex tool for controlling the cash inflows and outflows within organizations of any size or complexity, as a whole or by divisions. Through cash-flow and budget management features, the solution is able to accurately and correctly inform the company’s management to enable them to maintain an optimal level of cash flow, along with defining, planning and enhanced control of budgets through different periods of time. Controlling functionalities provide a powerful tool to streamline company's financial management, by early identification of opportunities to save money for future expenses. The Business Intelligence solution dedicated to the financial banking sector - Charisma Analyzer - supports the decision-making process, providing information and statistics comparisons based on specific key financial indicators of the institution. The solution maximizes the profit with the aid of a complete set of analysis tools (scorecard, analytic grid, analytic chart, reports and configurable dashboards). Together with the reporting tool about the company’s financial health, Charisma Leasing Management also ensures the accuracy and validity of the data submitted to the National Banks, as well as the periodical reporting of specific customer indicators and active contracts in the portfolio. Charisma Leasing Management conforms to IFRS, group and local tax regulation. Multiple charts of accounts, simultaneous parallel accounting posting models and valuation, together with multi-currency features allow leasing companies to define and maintain currencies, exchange rates and conversions to calculate business transactions in different currencies for a single portfolio. The accounting engine is powerful and configurable, ensuring the control and support for any accounting requirement. It is compliant with legal or financing package, any reporting type of customer debts and IFRS regulations, and any language or business flow; also, it includes residual value calculation, revenue recognition, automatic accounting notes generation and end-of-month revaluations.
  10. 10. References „Raiffeisen’s relationship with TotalSoft has already been employed for several years and is marked by the implementation of Charisma in several countries of the region. Our partnership is still evolving. Thus, in 2011 we continued implementing the core-leasing system for other subsidiaries in Slovakia and the Czech Republic. TotalSoft’s solution best suited our business requirements, providing the right levels of development for each branch in hand, as well as addressing differently matured markets and leasing approaches of the targeted countries. The complex experience acquired after 6 years of close cooperation and confirmed by successfully completed implementations of Charisma prove that Raiffeisen/TotalSoft is a strong partnership heading into the right direction.” “The scalability and flexibility of Charisma ERP to adapt to the specific requirements of local markets and also the result of the implementation in Romania (2008) led for the same software platform to be adopted also by the subsidiaries in Bulgaria (2009) and Austria (2010). The complex experience acquired after 3 years of close cooperation, confirmed by 3 implementations successfully completed, makes us look with confidence at the evolution of the partnership concluded with TotalSoft.” Michael Hackl Managing Director Georg Hansjürgens Area Manager SEE
  11. 11. poza Withover18yearsofexperience,TotalSoftis the largest Romanian ERP provider, according to the market research company PAC. With 1,500 clients in the private and public sector in 27 countries such as USA, Germany, UK, Austria, Italy or France, TotalSoft has an undeniable expertise in 9 verticals, focusing on retail and distribution, agriculture, oil and gas, manufacturing, financialservicesandhealthcare. The company has its own suite of software solutions, namely Charisma Business Suite, to which renowned systems, such as Charisma ERP, Charisma HCM or Charisma MedicalSoftwarebelong. TotalSoft is member of Global Finance Group, one of the largest private investment companies in South-Eastern Europe, with offices in Athens, Bucharest, Sofia and Belgrade. Global Finance manages funds amounting to over EUR 850 million and has carried out over 70 investments since its foundingin1991.
  12. 12. ©TotalSoft2013 TotalSoft Headquarters ,Global City Business Park 10 Bucharest - Nord Street th Building O2, 8 Floor, P: +4021 335 17 09 W: totalsoft.ro, charisma.ro, acollada.com E: office@totalsoft.ro Voluntari, llfov,România Austria | Greece | Saudi Arabia PolandPoland RomaniaRomania BulgariaBulgaria GreeceGreece Czech RepCzech Rep HungaryHungary AlbaniaAlbania AustriaAustria United Kingdom United Kingdom GermanyGermany Russia Ukraine Moldova Serbia Slovakia SenegalSenegal QatarQatar Saudi Arabia UAE BelgiumBelgium FranceFrance ItalyItaly SwedenSweden SpainSpain Estonia USAUSA PortugalPortugal BrazilBrazil LuxembourgLuxembourg ImplementationsSubsidiariesTotalSoft Headquarters

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