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

Leasing Management

Simple | Intuitive | Flexible | Complete

powered by TotalSoft, one of the world’s top 10 providers of Leasing Software (KPMG)

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

Groupreporting

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

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 managingmultiple business units

Multi-currency, multi-language,multi-site, multi-countryapplication

Compliant withinternationalstandards

In 2012 TotalSoft becomes an associate member of

Leaseurope, the federation which brings together

44 leasing and car rental associations in Europe.

2014 associate member of

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

CharismaAnalyzer

(BI)CharismaAlerter

Reporting toCredit Bureau

andNational Bank

CharismaCollection

FleetManagement

CharismaDocument

Management

CharismaCost

Control

CharismaWorkflows

CRM

CharismaSelf

Service

CharismaHCM

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.

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.

Main functionalitiesof 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

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.

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

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.

Refe

rences

„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

poza

With over 18 years of experience, TotalSoft is

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,

financial services and healthcare.

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

Medical Software belong.

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

founding in 1991.

© T

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TotalSoft Headquarters, Global City Business Park 10 Bucharest - Nord Street

thBuilding O2, 8 Floor,

P: +4021 335 17 09

W: totalsoft.ro, charisma.ro, acollada.com

E: [email protected]

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