INSTRUCTIONS

On working with Oracle Siebel CRM 8.0 software. For functional role"Agent" within the framework of the Division's projects consumer lending OJSC "OTP Bank"

Moscow, 2014
Content:

1. Preparing to work with the system.. 3

2. Login.. 3

3. Work in the system.. 3

4. Decoration consumer credit.. 5

Step 1. "Search / create a client." 5

Step 2. "Filling in personal information." 8

Step 3 contact information and information about the place of work. 10

Step 4. "Filling in information about financial condition". 13

Step 5. "Filling in information about additional documents". 14

Step 6. "Filling in information about the goods." 14

Step 7. "Filling out the application." 15

Step 8. "Result of scoring". 20

Step "Add. offer instant card". 24

Step 9. "Client Agreement". 26

5. formation of Registers of Documents (Delayed Authorization) 37

6. Additional services... 46

6.1. Visual assessment of the Client. 46

6.2. Archiving contracts with the status "Signed". 46

6.3. Search for an agreement and printing a set of client documents. 47

7. General rules work with the application.. 48

Preparing to work with the system

1. To successfully start the system, installers must be installed on your computer. Installation of installers is carried out independently in accordance with the "Instructions for preparing new jobs for working with CRM Siebel 8".

Login

Logging in is possible in two ways:

1. launch the Internet Explorer browser by clicking on its icon, in the address bar, type the system address https://pk8.otpbank.ru/ and press the Enter button;

2. navigate to the system by the desktop icon .

As a result of calling the program, an information window will appear with links to:

Agent's workplace - for the "Agent" role - issuance of consumer loans, non-purpose loans within the framework of the "Cash on Card" project, credit cards within the framework of the "UP Sell" and "Credit Instant" projects, generation of invoices, search for agreements. Within the technology of delayed authorization and accelerated transfer, the following functionality is active: formation of registers, revision of unfinished documents on registers, cancellation of authorization, return/replacement of goods, registration of contracts within the framework of the formed register.

Workplace of the cashier - for the role of "Cashier" - authorization / cancellation of authorization of contracts, return / replacement of goods;

Registration of contracts:

For the role of "Registrar"

ü registration of credit agreements / credit agreements on the card, changing the personal data of the Client, viewing all agreements of the Credit and Cash Office (hereinafter referred to as CCO), processing registers of agreements from outlets, creating registers of agreements for transfer to the archive;

ü for the role of “KCO Manager” – viewing all KCO agreements;

The Siebel 8 Express Course is a real guide to working with the software;

Frequently Asked Questions - answers to frequently asked questions from users;

Setting up a workplace - "Instructions for preparing new workplaces for working with CRM Siebel 8".

Fig.1 Fig.2

Work in the system

Homepage

After entering your username and password, you will be taken to the main screen - Homepage(Fig.3).

On the home page are:

1 - information about setting up the current POS (footnote 1 of Fig. 3);

2 - incomplete tasks - current applications that are not completed for any reason, you can continue working with the application by marking the required line and clicking "Continue", It is possible to continue working with the application to the status "Agreement formed" within 48 hours from the moment of its creation (footnote 2 Fig. 3);

3 - pending contracts - formed / signed, but not yet authorized contracts. The list of pending contracts for the current day is available for viewing and working until 24:00 Moscow time. After 24:00, contracts are archived by the system automatically (footnote 3, Fig. 3);

4 - incomplete registers - generated, but not signed registers of documents.

(used in Merchants using delayed authorization and fast transfer technology)

5 - tabs for switching to other Screens (footnote 5 in Fig. 3):

User settings - setting the current outlet;

Loan processing - making an application for a consumer loan, a non-purpose loan within the framework of the Cash on Card project, credit cards within the framework of the UP Sell and Credit Instant projects;

Search for the Agreement – ​​search for the Client's agreement, reprinting of a set of loan documents, incl. Forms of mail order, Applications for return/replacement of goods;

Formation of the Account Statement - printing of the Customer's invoice statement for the previous reporting periods on credit OTP map Jar;

Loan calculator - to calculate the conditions for issuing a loan;

Register of Documents - formation of Registers of Documents (used in the Points of Sale operating on the technology of deferred authorization and accelerated transfer);

Register of unfinished documents - a list of erroneously executed documents to be corrected (used in Merchants operating on the technology of deferred authorization and accelerated transfer)

Service requests – for conducting loan maintenance operations (Service of transferring the dates of monthly payments, registration of the loan repayment procedure, execution of a request for the Client's refusal from the card within the framework of the Cross Selling project, etc.);

Return/replacement of goods - for the return/replacement of goods (used in Merchants operating on the technology of deferred authorization and accelerated transfer)

Important:

% the order and width of the data view columns on the Home page can be changed using the mouse in the same way as in MS Windows;

% To correctly log out of the system, select the menu item "File - Exit" or use the keyboard shortcut Ctrl + Shift + X. To avoid errors in the further operation of the system, do not use the “cross” button of the Internet Explorer window

Making a consumer loan

Making a consumer loan agreement consists of 9 (nine) steps:

Step 1 "Search / create a client"

Step 2. "Filling in personal information"

Step 3 "Filling in contact information and data about the place of work"

Step 4 "Filling out information about the financial condition

Step 5 "Filling in information about additional documents"

Step 6 "Filling in information about the goods"

Step 7 "Filling out the application"

Step 8 "Scoring result"

Step "Add. instant card offer” (in case of issuing a Card to the Client (“UP Sell” project))

Step 9 "Client Agreement"

Let's consider them in more detail.

OTP Bank got its name from the national savings bank of Hungary (Országos Takarékpénztár) founded in 1949. In early 1990, the bank was reorganized (public company), and in 1995 privatization was carried out. The head office of the bank is located in Budapest (Hungary). Governs financial institution board of directors headed by Sandor Chani.

After privatization, the bank began active work to win European market and in particular Eastern Europe. Subsidiaries of the company are located in Russia, Ukraine, Croatia, Serbia, Romania, Montenegro, Slovenia, Bulgaria and Slovakia.

The convenience of using the bank without leaving home is undeniable. You can always know about all the movements of funds, control the repayment of the loan, and also know about interesting offers from the bank. Using a personal account allows you to:

• view account balances or debts assigned to the client;
• generate account statements for the required period;
• make payments or make transfers, both in your bank and to accounts in other banks;
• keep track of loans find out about the debt, make an extract, find out how the body of the loan is repaid;
• open a deposit, monitor its status, replenish from other accounts;
• pay utility bills from your account.

And in order to start using Internet banking, you need to follow a few simple steps. Official website of OTP Bank otpbank.ru

In fact, the client receives all the data about the site after registration. It is enough for him to enter the address of the site in the search engine, and he immediately gets to the desired page. The login data is the number of the card or agreement with the bank and the password that you assign yourself. You can also use SMS confirmation on your phone, which will contain a password.

Mobile application OTP Bank

Considering that today many bank customers use electronic gadgets, the bank has developed a special mobile application that allows you to keep abreast of the status of your accounts or make payments around the clock. The mobile application is developed for Android and Iphone OS, which must be downloaded to your tablet or smartphone. Download official OTP application The bank can be found at the links below.

Working with software
providing
for the role of "Agent" in
new
process of issuing POS credit/loans
JSC "OTP BANK"

LOGIN NEW INTERFACE
Login to the test environment for training

Combat Environment Login for Real
issuance of credit/loans.
1.

Chrome
or Mozilla Firefox.
1.
Use Google to run the program
Chrome
or Mozilla Firefox.
2.
In the address line, enter the address:
https://pk8-test.otpbank.ru/agentnew/
Login: TEST-NEW-POS-01
Password: testpos
2.
In the address bar, type the address: https
://pk8.otpbank.ru/agentnew/ or dial
address: https://pk8.otpbank.ru/, then click
to the link (Agent Workplace (New PIC)
3.

test environment.
4.

3.
5.
-.
-.
Choose from 2 TTs:
Walmart.
A lot of furniture.
After entering your username and password, you will be taken to
combat environment.
4.
Click "Create a new request".
5.
6.
Next, we create a test application for
fictitious client.
Choose the TT on which you work in
this moment.
6.
Next, we start an application for a real Client.
Login and password must be entered
private.
If you have problems with the process, please contact:
1. Process Questions: RAP/Employees training your CSC.
2. Questions on technology (errors, problems): Shurygin Sergey, Vertinsky Alexey (to the copy of Beschastnaya
Sofia).
3. If the process is completely inoperable, it is possible to checkout through the old Siebel interface.
JSC "OTP Bank"
Download
save, know
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WORK IN THE SYSTEM
Homepage
After entering your username and password, you will be taken to
main screen - Home page.
JSC "OTP Bank"
1. Incomplete applications - current applications, incomplete for any
reasons, you can proceed with the application by clicking on
required line twice. Continuation of work with the application to the status
"The agreement is formed" is possible within 24 hours from the moment of its
creation. To search for an application, the following search filters are available:
- by the full name of the Client:
When entering the full name of the Client, the system displays all available options.
- By the name of the TT:
Choice of TT name
is carried out from the list of outlets that have unfinished orders.
If there is no pending request, then this list will be empty.
2. Contracts - formed / signed, but not yet authorized
contracts/authorized. List of pending contracts of the current day
available for viewing and work until 24-00 Moscow time. After
24-00 contracts are archived by the system automatically.
3. Option to create a new ticket.
4. Preliminary loan calculator - preliminary calculation
parameters for issuing a loan / loan.

IMPORTANT!
To properly log out of the system, you must click on the "
corner of the screen.
» in the upper right
In the new interface, we only issue a loan / loan, we carry out all other actions
in the old interface.
If you do not receive a response from the system or the system is frozen, you must close the browser window
and re-enter the program. No need to press F5 or refresh the browser page.
The following actions can only be performed
in the old interface!
1. Search for an Agreement.
2. Formation of the Account Statement.
3. Register of documents.
4. Cancellation of authorization.
5. Service requests.
6. Return / replacement of goods.
JSC "OTP Bank"

STEP 1 "SELECTING A SHOP"
To start applying for
Home page select button
"Create a new application."
The system will display “STEP 1. Trade Selection
points” and prompts you to select an outlet.
Find the desired outlet in the list of outlets or
use the search bar
TT name, TT code, name
TO), and then click on the required
outlet twice.
!
If the Agent is assigned to one TT, then the system automatically selects the TT and immediately goes to STEP 2.
"Client Identification".
JSC "OTP Bank"

CONSUMER CREDIT / LOAN APPLICATION
STEP 2 "CUSTOMER IDENTIFICATION"
After selecting a Merchant, the system
will go to "STEP 2. Identification
Client".
!
An application for a credit / loan is made in the personal presence of the Client!
JSC "OTP Bank"
All fields on the screen must be filled in!

CONSUMER CREDIT / LOAN APPLICATION

Bank's requirements to the Client.
Before you get started, make sure that the Client's data meets the requirements
Jar:
Russian citizenship.
Permanent registration in any subject of the Russian Federation in which the Bank operates
issuance of consumer credit/loans.
Working citizens/Individual entrepreneurs:
Age from 21 to 69 years inclusive at the time of issuance of the CREDIT / LOAN

additional).
Non-working pensioners:
Age up to 69 years at the time of issuing a loan/loan
Availability of contact information about the Client (mobile phone number and two
additional).

At the same time, for Clients who are permanently registered:
- In the Republic of Dagestan, - it is allowed to issue credits / loans only at retail outlets related to KKO Moscow.
Stavropol;
- In the Republic of Karachay-Cherkessia, - it is allowed to issue credits / loans only at retail outlets related to
KKO Cherkessk, KKO Pyatigorsk, KKO Stavropol, KKO Armavir;
- In the Republic of Kabardino-Balkaria, - it is allowed to issue credits / loans only in outlets related to
KKO Nalchik, KKO Vladikavkaz, KKO Pyatigorsk;
- In the Republic of North Ossetia-Alania, it is allowed to issue credits/loans only at retail outlets related to
to KKO Vladikavkaz, KKO Nalchik.
JSC "OTP Bank"

CONSUMER CREDIT / LOAN APPLICATION
STEP 2 "CLIENT IDENTIFICATION".
Client search.
To search for a Client, fill in the required screen fields:
Passport data (series, passport number, date of issue of the passport).
Name of the Client. When entering the Last Name, First Name, Patronymic, the system issues
a hint with a list of the most possible options for a full name.
Gender of the Client. The gender of the Client is automatically determined by the system if
the system did not correctly determine the gender of the Client, then it is necessary to put
mark opposite the desired value.
Date of birth of the Client. You can enter "Date of Birth" in any
digital format, including merged, the system independently when
saving will convert the data to the correct format with delimiters
dots (DD.MM.YYYY).
!
These applications must fully match the data of the passport!
JSC "OTP Bank"

CONSUMER CREDIT / LOAN APPLICATION
STEP 2 "CLIENT IDENTIFICATION".
Client search.
After entering the data, press the button
"Check data".
The system will search for the Client in the database
previously applied Borrowers. Search
carried out by full name + date of birth +
Passport data.
JSC "OTP Bank"

10.

CONSUMER CREDIT / LOAN APPLICATION
STEP 2 "CLIENT IDENTIFICATION".
Client search.
If the Client is not found, then the system
JSC "OTP Bank"
will prompt you to enter the series and number of the old
Client's passports:
If the Client has in his passport

passport, enter the series and number in
dedicated field, after
why click the button again
"Check data".
If the Client does not have a passport
stamp containing information about the old
passport, mark
lack of old passport data.

11.

CONSUMER CREDIT / LOAN APPLICATION
STEP 2 "CLIENT IDENTIFICATION".
Client search.
If a Client(s) is found in the system (with
old passport data (or when entering
there was a typo in the Client's data) or
the namesake of the Client was found or found
several duplicates of the Client's card), then
the system will display all found Clients
list.
JSC "OTP Bank"
Double click on the line with
correct data of the Client, the string will be
highlighted in dark green. If
multiple entries found for the same volume
the same Client (duplicates), you must select
an entry with a later update date.

12.

CONSUMER CREDIT / LOAN APPLICATION
STEP 2 "CLIENT IDENTIFICATION".
Select product categories.
After searching for a Client, you must select
product category.
Click on the "Add Product" button
category", a line for selection will appear
product category.
To open a list of product categories
click the icon
in the selection bar and
select the desired product category.
To delete a product category
use the button "
».
JSC "OTP Bank"

13.

CONSUMER CREDIT / LOAN APPLICATION
STEP 2 "CLIENT IDENTIFICATION".
Choosing a consultant.
If the credit/loan is issued with
through the Consultant, before entering
data on the Consultant into the Agent system
establishes the identity of the Consultant.
The Agent chooses a Consultant to view
you need to click on the "Show" button

editing only when applying
An agent whose main place of work
is OTP Bank JSC.
The "Consultant" field is available for
editing in Step 2. “Identifying
client."
JSC "OTP Bank"

14.

CONSUMER CREDIT / LOAN APPLICATION
STEP 2 "CLIENT IDENTIFICATION".

Up to 5 STEP it is possible to mark in the system
visual evaluation result.
JSC "OTP Bank"
Variants of the visual evaluation result
are indicated in the system in the form of visual codes
assessments (KVO):
"Y" - successfully (KVO is affixed in the system according to
by default).
"B" - suspicious appearance.
"M" - suspicion of fraud.
"H" - inconsistency in the Client's answers.
If you have objective suspicions of
fraudulent activities of a potential
Borrower, enter the Client in the "List
"problem" Clients", indicating
the corresponding KVO ("B", "M" or "H").
After saving the visual score, it is larger
not available for editing.

15.

CONSUMER CREDIT / LOAN APPLICATION
STEP 2 "CLIENT IDENTIFICATION".
Making a visual assessment.
In the case of a negative
visual assessment, scoring result
will also be negative.
Attention!
If you have included the Client in the "List of "problem" Clients", it is imperative to bring
application before scoring and receive a negative scoring decision on the application, otherwise
The Client will not be included in the "List of "Problem" Clients".
JSC "OTP Bank"

16.

CONSUMER CREDIT / LOAN APPLICATION
STEP 2 "CLIENT IDENTIFICATION".
Formation of Consent to the processing of personal data
In case of the Client's request or affixing
negative evaluation, without fail
we form a printed form of "Consent of the Client". IN
in other cases Consent will be a constituent
part of the Application for the issuance of a consumer
credit/loan.
To print, click on the "Print
agreement".
JSC "OTP Bank"
The system will display on a separate screen
the generated printed form of the Consent of the Client.
Print the Consent and ask the Client "under
painting":
Consent to the processing of personal data,
obtaining credit reports, providing
information at credit bureaus:
1. In order to decide on the possibility
conclusions loan agreement, discoveries
bank account, issuance of a bank card;
2. Consent to interact with the Credit Bureau
stories.
After the Client has signed the Consent, click
the "Next" button.

17.

CONSUMER CREDIT / LOAN APPLICATION

Preliminary scoring
When you go to STEP 3. "Contact information", the system will send the Client's data to the preliminary
scoring (Request to BCI), scoring result:
Positive decision - on the Application
received a preliminary decision
approved credit/loan amount, for
“STEP 3. Contact information
information is displayed with the result
scoring.
Negative decision - when switching to
next STEP screen is displayed with
negative decision.
To complete the application, click
"Go to Home Page" button.
Waiting for a decision - it takes time for
decision on the application.
A positive decision will be reflected when filling out contact information at STEP 3.
A negative decision will be reflected when moving from STEP 3 to STEP 4.
The transition to the next STEP is not possible until a response is received from the first scoring according to the BCI.
JSC "OTP Bank"
All fields on the screen must be filled in!

18.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Photographing the Client
Each time an application is made,
take a photo of the client and attach the photo to
application..
Depending on the settings, take a photo
possible in 2 ways.
First way:
Attach a photo to the Application.
To do this, first connect to
computer Webcam, create on the desktop
table folder "Photos of Clients".
Before registration, take a photo of the Client
save it in a folder, giving it a name. In the application
click the "Upload Photo" button.
Attached photo file size
must be over 2048 KB. Format - JPG.
JSC "OTP Bank"
The system will display the attached file in
Application

19.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Photographing the Client
Second way:
Photographed with a webcam.
On the Application screen, press the button
"To photograph".
The system will display a window asking for
permission to access the network camera, click
button "Allow access to the selected
device."
Next, take a picture.
JSC "OTP Bank"

20.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Attaching a scanned copy of the Client's passport
You need to scan the first spread (name, photo,
passport details) and a spread with the registration address
(registration) in full, numbers must be visible
pages, passport number (which is stamped on each
page).
Passport pages are scanned one by one.
Scanned documents must be attached as pictures
(size 2048 Kb, file format jpg, jpeg, etc.)
To attach a scanned copy of your passport, click the Upload button.
file".
In the window that appears, select the required file and click
"Open".
In the Document Type section, click the icon and select
from the drop-down list, the document type is “Passport of a citizen
RF" or "Passport page with address".
If the scanner / MFP does not work on the TT:
JSC "OTP Bank"
1. For points 1,2 orders - The agent takes a photo
passports of the Client and attaches to the system, while
a photocopy certified by the Agent is added to the set
documents.
2. For points of the 3rd order - attaching the scanned
copies of the Passport to the system is not mandatory, if
it is mandatory to certify a copy
passports and invest in the set of documents of the Client.

21.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Filling in the contact information of an existing Client.
If the client contacts again:
1
2
One of the details of an existing Client has been changed
(Name or Date of birth, or Passport series, or Number
passport, or at the same time Name + Patronymic and / or Address
registration, Locality), then the system is formed
additional printed form with Application for change
data.
If an agent makes significant changes to an existing
Client (several fields with details are changed
Client: Last name, First name, Middle name, Date of birth, Series
passport, Passport number), a ban on
further registration of the Application, the system issues
informational message: "To change the data
The Client needs to issue an Application for Change
data by the representative of the Bank in TT for sending to KCO
or a personal appeal of the Client to the SC/CCO of the Bank”.
Therefore, the registration of the Application will be possible only after
changes in the Client's data.
JSC "OTP Bank"

22.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Filling in the contact information of a new Client
If the Client is new, fill in the remaining fields of the screen:
Social status - if the Client has several
social statuses, check all, for example, and "Working",
and "Pensioner".
Mobile phone: is mandatory for
filling.
JSC "OTP Bank"

23.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
SMS verification code
If the TT is configured with the functionality of checking the mobile
phone, then to confirm specified number phone,
ask the Client to name a verification SMS - a code that
he got on mobile phone and enter it in the "SMS confirmation code" field.
If an incorrect code is entered, click the "Submit" button
again."
If the Client has not received an SMS code, then check the number
mobile phone of the Client, if necessary, correct
and then click the "Resend" button.
To enter the SMS code, 3 attempts are given, then the work with the application will be terminated.
If there are communication problems on the TT and the SMS does not come to the Client, then put a mark: .
JSC "OTP Bank"

24.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Client's email
If the Client has an e-mail in the "e-mail" field
enter email.
If the Client does not have an e-mail, we put down
check the box "No e-mail.
JSC "OTP Bank"
The e-mail field is MANDATORY!
This will significantly reduce the Bank's default.
It is necessary to explain to the Client that the presence of e-mail in the questionnaire is very important!
This will allow you to send important information to him (for example, invoice statements).
And also the Client will need to go to the office less often.

25.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Client phone numbers
Specify any two additional numbers
phone number (you can optionally fill
all phones of the Client, phone numbers are not
should be duplicated).
JSC "OTP Bank"

26.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Family status
Marital status is indicated in the exact
according to the stamp in your passport.
Civil marriages are not equal to
official.
JSC "OTP Bank"

27.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Registration address
Addresses of registration, residence, postal
address - select an address from KLADR
(official classifier of Russian addresses)
or create a new one.
JSC "OTP Bank"

28.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Registration address
In the "Address" block in the line "Address
registration" start entering the address
registration (as in the passport).
The system will prompt you with a list
the most possible address options.
After choosing an address (city, street, house)
add the apartment number at the end.
When moving to the next field,
a window will open automatically
decomposed by KLADR address, which
needs to be checked.
In case of a positive resolution,
confirm the address with the "Verified" button.
Otherwise, make the necessary adjustments to
address and then click the "Verified" button.
JSC "OTP Bank"

29.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Registration address
The address is correct.
Enter the remaining information that is not filled in,
such as the apartment number.
The address is filled incorrectly/given address in
There is no KLADR.
In the address creation window, fill in
remaining/new data (incl. index) and
click the "Verified" button.
JSC "OTP Bank"

30.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Registration address
The address will appear in the address entry window.
Additionally, specify the date of registration.
If the Client has different addresses
registration, residence and postal, you
you need to create all the addresses, for this
repeat the steps starting from point
"Filling in the "Address" block".
!
If the Client's passport on the "Place of residence" page does not have
street, house, district, etc., then the corresponding fields must be left empty. At the same time, not
it is allowed to enter dashes, asterisks and other symbols into the system, as well as the word “No”.
JSC "OTP Bank"

31.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Passport data
Passport data: who issued the passport, code
departments, country of birth, place
birth.
JSC "OTP Bank"

32.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Product Information
Enter product information
purchased by the Client:
Name of product.
Product brand.
Product model.
Price per piece
!
It is possible to purchase on credit / loan no more than 6 goods, while no more than 2 goods of one
category, for example, no more than 2 TVs.
the number of goods indicated in one line cannot exceed 1, if necessary, indicate
2 products of the same category, you need to create 2 separate lines.
JSC "OTP Bank"

33.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
An initial fee
In the "Initial payment" field, enter the amount
Initial payment, which the Client is ready to
deposit at the cash desk of the Trade Organization.
The scoring will approve the amount taking into account the PV and on
loan calculator can no longer be reduced
PV size.
If the Application has received a pre-approved
scoring solution with approval amount but item cost
exceeded the approved amount, the system will display a message about
need to make a down payment or receive
maximum amount credit/loan.
Depending on the decision of the Client:
If the Client is willing to pay the proposed initial
contribution. In the Initial Payment field, enter the amount
which the Client is ready to pay to the TT cash desk and put down
mark in the field "Make an initial contribution".
If
Client
Not
ready
contribute
proposed
down payment, check the box
"Get the maximum loan/loan amount."
JSC "OTP Bank"
After filling in all the required information, click
click "Next", the system will send the Application for scoring.

34.

CONSUMER CREDIT / LOAN APPLICATION
STEP 3 "CONTACT INFORMATION".
Possible options for scoring results
1. "Yes" - a positive decision, scoring
determines the type of questionnaire and the number of fields for
filling, after which the system will switch to
screen STEP 4 . "Personal data" or STEP 5.
"Conditions of credit/loan".
2. "No" - a negative decision. Work with
application cannot be continued, the system
will go to the screen with a negative decision.
To complete the work, press the button
"Go to homepage", application
will automatically be sent to the archive.
3. "Sent to credit
inspector" - the application was sent
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To the loan officer, wait for a decision in
within 20 minutes. System at
a positive decision will move to Step 4.
"Personal data" or Step. 5 "Conditions
credit" or on the screen with a negative
decision.

35.

CONSUMER CREDIT / LOAN APPLICATION
STEP 4 "QUESTIONNAIRE DATA".


1. Only a passport.
Filling out additional
data is not required, the system
immediately go to STEP 5.
"Conditions of credit/loan".
2. Short questionnaire,
additionally needed
fill in:
1.
2.
3.
Name of the organization.
Industry of the organization.
General work experience for
current location.
3. Average questionnaire,
additionally needed
fill in:
1.
2.
3.
4.
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Name of the organization.
Industry of the organization.
General work experience for
current location.
Ownership -
indicates only the presence
car (with
need).
All fields on the screen must be filled in!

36.

CONSUMER CREDIT / LOAN APPLICATION
STEP 4 "QUESTIONNAIRE DATA".
Depending on the scoring decision at STEP 4 “Personal data”, the questionnaire will contain
different number of fields to fill.
1.
2.
3.
4.
5.
6.
7.
8.
4. Extended questionnaire, necessary
additionally fill in:
Name of the organization.
Industry of the organization.
Job title.

Work place address.



vehicle).
Name of spouse.
Date of registration of marriage.
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5. Complete application form, must be completed
all fields:
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
Name of the organization.
Industry of the organization.
Job title.
Total length of service in the current position.
Work place address.
Ownership (if
property is indicated "Car",
additionally filled in the field "Brand
vehicle).
Name of spouse.
Date of registration of marriage.
The social status of the spouse.
Number of dependents.
Family income.
personal income.
Apartment expenses.

37.

CONSUMER CREDIT / LOAN APPLICATION
STEP 4 "QUESTIONNAIRE DATA".
Length of stay at current address
Fill in the information about the period of residence of the Client at the address of residence.
Education and work
Provide information about the Client's education.
Employment of the Client
In the field "Organization name" - enter the name of the organization
(completely without abbreviations, abbreviations are allowed only when indicated
type of ownership of the organization (LLC, CJSC, PBOYUL, IP, AKB, etc.)).
In the field "Industry of the company" - select a value from the proposed
list.
In the field "Position" - select the required value.
In the field "Total length of service at the current place" - indicate the total length of service
work of the Client in the company.
In the field "Total work experience" - indicate the total work experience of the Client;
In the field "Number of employees in the organization" - select the required
meaning.
In the field "Address of place of work" - indicate the address of the company (similarly
adding a residential address).
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38.

CONSUMER CREDIT / LOAN APPLICATION
STEP 4 "QUESTIONNAIRE DATA".
Ownership
If the Client owns a car/apartment, it is necessary
check the corresponding box.
If a check mark is placed next to the field "There is a car", then it is necessary to
field "Car brand" select a value from the drop-down list.
Family
Marital status is indicated in strict accordance with the mark in the passport.
Civil marriages are not equal to official ones.
The full name of the spouse is filled in if the Client is officially married. Full name
indicated in full.
The date of marriage registration is filled in as in the passport. It is also necessary to specify
the social status of the spouse, choosing from the proposed options.
The number of dependents is filled in according to the number of people
maintained by the Client (children, non-working wife/husband,
parents, etc.).
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39.

CONSUMER CREDIT / LOAN APPLICATION
STEP 4 "QUESTIONNAIRE DATA".
Filling in information about the Client's income
Specify the personal income of the Client and the income of his family (select from
dropdown list).
Additional income of the Client (if any, in the absence of

Expenses for an apartment (if the Client rents an apartment, in the absence of
additional income, you must enter the value "0").
After filling in all the required information, click the "Next" button,
the system will send the Application for scoring.
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40.

CONSUMER CREDIT / LOAN APPLICATION
STEP 5 "TERMS OF CREDIT / LOAN".
If the scoring decision on the Application is positive, the system will display a screen with a credit
calculator.
There are three available on the loan calculator
tabs (depending on credit
products connected to TT):
1. Dynamic product.
2. Special products.
3. Promo.
Go to the STEP "Credit/loan conditions"
will happen in two cases:
1. Positive scoring decision.
2.
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preliminary positive
scoring decision with sending an application
credit officer.
All fields on the screen must be filled in!

41.

CONSUMER CREDIT / LOAN APPLICATION
CHANGING DATA AT ANY STEP
Now you do not need to cancel the application or start a new one!
If the Direct Sales Expert or the Client detects an error in the data, it is sufficient