Leasing Management

Simple | Intuitive | Flexible | Complete

End-to-end Solution
for Leasing Industry
Given the current economic reality
and increasing competition, the
need for an efficient communication
and information system for the
Regardless of the type of
Leasing sector is a key factor for
business the leasing
improving the economic and
company runs – financial,
financial performance of your
operational, close-end –
company.
and of the size or
Recently, the leasing industry has complexity of its
started to focus on finding solutions transactions, an integrated
to address the current economic solution is required for
challenges: declining eligible efficient management of
customer base, the increasing customers, partners,
default rate, increased collection contracts and leasing
activity, reducing the operational operations, which covers
costs and managing risk. Moreover, the entire lease life cycle -
leasing companies are facing from lease quotation to
increased pressure to protect their contract termination and
portfolio and develop more asset disposal - and internal
attractive products and services. company’s flow.

TotalSoft is one of the world top 10 providers of software solutions for the
leasing industry, according to KPMG.

Charisma Leasing Management leverages TotalSoft’s more than 10 years

experience in providing integrated software solutions that support key process
in the finance and banking sector. Charisma has distinguished itself by
delivering complex business software solutions, that are not only beneficial, but
provide usability and transparency to more than 60 customers in the financial
services sector including banks, insurance, leasing and brokerage corporations.
Charisma Leasing Management is an unparalleled market leader solution.

All non-banking financial institutions will benefit from a complete End-to-End

solution. Given a powerful set of tools that easily adapt to the specific needs of
each company, no matter its size, it will be able to significantly reduce the
operational costs by optimizing the sales force, increasing security, transparency
and financial performance.
Modules nWeb Leasing
nLeasing
nInsurance
nRefinancing
nInventory Management
nAssets
nFleet Management
nBudget management & Cash Flow
nPurchases
nCost Control (procurement solution)
nSales
nCRM
nDocument Management
nWorkflows
nCollection
nLegal
nRepossession
nRemarketing
nCustomer & Supplier Self Service
nAnalyzer (BI)
nReporting to Credit Bureau and National Bank
nHR & Payroll
nHR Dashboard
nHCM Portal
nBudget Payroll
nTime-Sheet
 Main Benefits
Comprehensive solution
Charisma Leasing Management
provides an integrated, modular and
scalable solution which enables the
entire asset–based financial institutions
management, from quotations, credit
application and its approval flow,
scoring engine (risk management), to
contract signing and alterations after
signing and asset disposition. Either it’s
dealing with different currencies,
miscellaneous financial products or
lease agreements (financial,
operational etc.), the solution provides
an end-to-end solution covering
customers, quotations, contracts, asset
types, approval flows, billing and
collection, together with leasing
accounting and partner services.
Increased revenues
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 enables
multiple offers to be customized
according to customers' needs. Due to
advanced flexibility, localization and
multi-currency functionalities, the
solution allows to easily localize the
offers and financial contracts.
Improved risk management
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. Operational behavior
and internal policy differ from one
institution to another. Charisma
Leasing Management provides full
traceability of action and document
workflows, efficient customer and
complete asset management, as well
as maintenance of all life-time changes
on the contracts history.
Reduced operational cost
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,
the redundant and time consuming
tasks are minimized, and the
operational costs are significantly
reduced. Automated business flows,
straightforward approval flows through
notifications or ease management of
documents are tools which reduce the
labor efforts and optimize the internal
processes.
Long-term relationships with
partners
In a highly challenging and economic
unstable environment, the financial
institution should focus on finding
solutions that allow it to be able 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
the customer needs through flexible
credit programs, features and financing
abilities (multiple pricing plans, multi-
currency, advance percentages,
residual value, fixed or variable interest
type and applicability, commissions and
fees, necessary documents, grace and
seasonal periods etc) together with an
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
notifications (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 Functionalities
Quotations and credit application
approval flow
Designed for financial institutions for creation and allows lease applications
fully covering customers and market validation – analysis/ approval/
needs, Charisma Leasing Management rejection etc. – based on an advanced
streamlines the multiple quotations risk engine.

Contract life-time cycle and change financial parameters, rescheduling the

management installments or residual value,
Operational and administrative advanced payments, assignments, to
changes during an asset life-cycle are multiple kinds of contract
among the highest costs of a financial terminations.
institution. Streamlining and
In case of similar business conditions
integrating the internal processes, from
and terms between company and
risk analysis and different quotes
customer, such as interest rate,
generation, to contract creation and
advance percent, payment schedule
financial conditions approval, Charisma
configuration etc., the lessee has the
Leasing Management reduces
option of signing a frame contract, with
administrative costs and time. A wide
possibility of adapting the financial
range of change opportunities are
products so as to easily meet the
available for existing contracts, from
unique needs of the customer.
using addendums for changing the
Flexible agreement parameterization
Charisma Leasing Management
solution allows companies to fully
manages their customers’ and
suppliers’ agreements. By setting up
master leasing and services
Advanced configurability within
business process and tools
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
agreements, together with supplier’s
contract conditions, the company’s
operational employees can easily
prepare and print all necessary
documents for each business situation.
using variable and easy to configure
payment schedules, multiple financial
products, standard operational flows or
in-house customized business and
work flows.
Asset management
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.
Efficient procurement process
Through eExpense Approval module,
Charisma Leasing Management
decreases the company’s financial risk,
provides user transparency controls
and reduces the operational and data
migration costs, and reduces the time
required in designing 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 capitalization abilities of
the company's opportunities,
Supplier Contract Management
reduces time and money 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
The solution responds transparently
and electronically to customer and
supplier requests for documents such
as invoices, contracts, or other
documents of interest. In this way, the
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 and, together
with that, the solution provides
features such as on-line 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 the company’s business
through self-service and shared
services platforms.
Business collaterals
Any leasing company should have a
dedicated solution for controlling
insurance policies through content,
insurance terms, premiums,
deductibles by type of risk, insurance
conventions, periodicity and payment
schedules. Charisma Leasing
Management features and capabilities
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 the
insurances generation and the
calculation of values based on default
insurance conventions with the
insurance partners and provides
complete traceability of assets with
financing contracts, by managing the
insurance registries and monthly
accounting records.
The Refinancing module of Charisma
Leasing Management efficiently tracks
and improves the operations with the
financing contracts from banking
institutions or within the company
group by defining and maintaining the
financing lines and money withdrawals.
Besides the above, 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.
Controlling features
Charisma Leasing Management
solution 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,
together with defining, planning and
enhanced control of budgets through
different period of times. Controlling
functionalities provide a powerful tool
to streamline the company's financial
management, by early identification of
opportunities to save money for future
expenses.
The Business Intelligence solution
dedicated to 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.
Complete and efficient collection
process
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 asset. 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,
both the financial services companies
distributing or providing various
services, as well as the companies
specialized in collecting outstanding
debts, 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.
Flexible accounting tools
Charisma Leasing Management
conforms to IFRS, group or 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 one 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 and includes residual
value calculation, revenue recognition,
automatic accounting notes generation
and end-of-month revaluations.
 References
„Raiffeisen-TotalSoft (…) is marked by
the implementation of the Charisma
solution in several countries in the
region. The partnership is evolving; in
2010 we began implementing the
core-leasing system for other four
subsidiaries: Russia, Slovakia, Czech
Republic and Hungary. Charisma ERP
best suited our business model with
different levels of development for
each branch in hand (…), responded to
our business needs and enabled us to
achieve our objectives.”
Raiffeisen Leasing Internaţional
Marc Breit, Operations
IT& Projects Coordinator
“Taking into account the portfolio
exponential growth, maintaining the
efficiency of the platform remains, of
course, and our day-to-day challenge.
Considering the relation between the
performance, functionality and
support on one side and cost (TCO) on
the other side, I believe that Charisma
is one of the best products on the
market for this specific category and
the gap between Charisma and the
challenging solution is quit big.”
GE Money
Radu Burghelea, IT Manager
“The scalability and flexibility of the Charisma Enterprise solution to be
adapted to the specific requirements of local markets and also the result
of the implementation in Romania (2008) determined for the same
software platform to be adopted also by the subsidiaries from 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 the evolution of the partnership concluded with TotalSoft.”
Deutsche Leasing
Georg Hansjürgens, Area Manager SEE
"By using Charisma we managed to reduce significantly the time for the
analysis and approval of the application files without increasing the
number of employees. The system sends notifications about overdue
invoices according to the stipulations in the contract, deadlines for tax
payments (in case of vehicles) allowing us to know at every moment the
status of every contract.”
MKB Romexterra Leasing
Bogdan lonescu, Legal Advisor
“If we compare the investment to the results, I must say that the benefits
generated from using the Charisma are ten times bigger than the costs of
the system and that means short term to medium.”
NBG Leasing Romania
Dan Dănăilă, CEO
“Before the implementation of Charisma ERP we concluded aprox. 150
new contracts per month. Due to the support of the application we
reached 700 new contracts per month. A four times bigger volume of
contracts, but not by multiplying by four the number of employees.”
Tiriac Leasing Romania
Adrian Alexe, President and General Manager

TotalSoft Headquarters
Global City Business Park
10 Bucharest - Nord Street
Building O2, 8th Floor,
077190, Bucharest-Ilfov, Romania
P: +4021 335 17 09
F: +4021 335 17 12
E: office@totalsoft.ro
W: www.totalsoft.ro
W: www.charisma.ro
TotalSoft Greece
64 Vas. Sofias, 115 28
Athens, Greece
P: +30 210 72 00 084
F: +30 210 7253 511
E: info@totalsoft-hellas.com
W: www.totalsoft-hellas.com
W: www.charisma.com.gr
© TotalSoft 2011
TotalSoft Bulgaria TotalSoft Qatar
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Sofia, Bulgaria West Bay, Level 15
P: +359 2 9239 564 P.O Box 200348, Doha, Qatar
F: +359 2 9239 560 P: +974 44 52 83 97
E: marketing@totalsoft.bg F: +40 21 335 1712
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W: www.charisma.bg W: www.totalsoft.ro
W: www.charisma.ro