NPL Software

Software solutions dedicated to the management of NPLs during the entire life cycle, form credits monitoring in the pre-watchlist and non-performing phase to the management of credit recovery and related management, accounting and budgetary processes.

Sygesjava4cloudSyges3Laweb360SyruleSydata
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SygesJava4Cloud – Advanced Software for Cloud-Based NPL Accounting Management

SygesJava4Cloud is the innovative solution for the administrative and accounting management of NPLs (Non-Performing Loans), an evolution of the Syges application. Developed in full-stack Java, it is designed to operate in a Cloud environment, ensuring scalability, security, and advanced integration.

Thanks to its modular structure, it retains the advanced features and calculation models of the previous version, offering a high level of parameterization. This allows financial institutions to customize complex analyses on accounting, financial statements, and regulatory reporting, improving efficiency and compliance.

THE ADVANTAGES OF SYGESJAVA4CLOUD

  • Centralized and accessible NPL management: SygesJava4Cloud organizes and manages non-performing loan data in a multi-institution, structured, and comprehensive database, improving information quality and accessibility.
  • Automation and decision support: Reduces manual and time-consuming activities thanks to advanced automation and predictive analysis features, optimizing financial statement management, profitability, and simulation of financial impacts.
  • Full integration of NPL processes: Synchronizes and streamlines every stage of the non-performing credit lifecycle, ensuring a smooth and efficient workflow.
  • Fast Closing and advanced reporting: Processes the Non-Performing Credit Matrix, providing all accounting, administrative, and management information for an effective fast closing, aligned with corporate objectives.
  • Monitoring and optimization of non-performing credit: Thanks to advanced analysis and reporting tools, it enables Credit Policies to monitor credit quality, promptly intervene in business areas, and implement targeted incentive strategies.

Why choose SygesJava4Cloud for NPL management?

  • Operational efficiency through process digitalization and automation
  • Cloud-ready for scalability, security, and remote access
  • Maximum customization with high parameterization of functions
  • Advanced compliance and governance for non-performing credit control

Discover how SygesJava4Cloud can optimize NPL management and improve your financial institution’s performance.

SYGES3 – The Advanced Platform for Non-Performing Loan (NPL) Management

SYGES3 is Sydema’s integrated solution for managing non-performing loans (NPLs). The platform covers three main banking areas, offering advanced tools for the accounting management of bad loans, the determination of balance sheet values for the entire loan portfolio, and the calculation of discounting quotas for customers with financial anomalies.

Thanks to SYGES3, banks and financial institutions can optimize credit management processes, improving efficiency and regulatory compliance.

The software covers three main banking areas:

  • Accounting management of bad loans
  • Determination of balance sheet values for the entire loan portfolio
  • Calculation of discounting quotas for anomalous customers

SYGES3 is the ideal solution for:

  • Banking Institutions
  • Service Centers

Key Benefits of SYGES3

  • Organized and Accessible Data: All NPL data is centralized in a single multi-institution database, ensuring rationality, consistency, and completeness.
  • Automation and Analytical Support: The software reduces repetitive, time-consuming activities, providing tools for financial statement analysis, loan profitability, and impact simulations.
  • Process Integration: SYGES3 synchronizes, integrates, and streamlines all operations related to the non-performing credit lifecycle, improving operational efficiency.
  • Fast Closing: The processing of the database generates a Non-Performing Loan Matrix, containing accounting, administrative, and management information to facilitate the fast closing required by management.
  • Monitoring and Control of Non-Performing Loans: Thanks to advanced analysis and reporting functions, Credit Policies can monitor credit performance in real time, identify risk areas, and adopt targeted corrective strategies.

SYGES3 is the ideal solution to optimize NPL management, ensuring efficiency, control, and regulatory compliance.

Laweb360 – Debt Collection Software with Artificial Intelligence and Advanced Automation

Laweb360 is the platform developed by Sydema to revolutionize the debt collection process, combining smart automation and artificial intelligence (AI).
A powerful, flexible, and scalable system designed to optimize time, costs, and results in the recovery of banking and financial credits.

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SYRule – The Solution for Non-Performing Loan Management

SyRule is Sydema’s application solution designed to support management processes related to non-performing loans (NPLs). Thanks to an advanced system of automated workflows, SyRule efficiently manages banking process regulations, including:

  • Credit classifications
  • Definition of repayment methods
  • Management of restructurings and revisions of expected losses
  • Closure of positions

TARGET USERS:

  • Banking Institutions
  • Service Centers

ADVANTAGES OF SYRule:

  1. Advanced Management of Roles and Structures: The system manages hierarchical structures to calculate decision-making powers, determine information recipients, and display them on customized dashboards within the Electronic Case Management system.
  2. Risk Control and Authorization Process: SyRule governs administrative states and management classes, following a structured authorization flow with intermediate opinions and deliberative bodies.
  3. Scalable Workflow Management: The platform allows the adaptation of workflows to manage:
    • Non-performing loans (NPLs): Small amounts, Ordinary Credits, Large Clients
    • Problematic credits not yet classified as NPLs, ensuring maximum operational flexibility
  4. Complete Monitoring and Traceability: SyRule ensures constant monitoring of activities, recording:
    • Communications between operators
    • Management events and credit anomalies
    • Decisions taken during the workflow
    • Integrated Document Management
  5. The Electronic Case Management system interfaces with the Document System, allowing you to:
    • Consult documents related to the NDG directly on the platform
    • Automatically archive new documents in the company repository

Thanks to SyRule, banks and service centers can automate and optimize non-performing loan management, improving risk control and operational efficiency.

SyData – Advanced Solution for Data Quality and Data Remediation

SyData is Sydema’s application solution designed to optimize Data Quality and Data Remediation activities. The system manages data coming from management software (such as Laweb4) or from external data tapes provided by third parties, ensuring accuracy, consistency, and information quality.

SyData is ideal for:

  • Banking Institutions and Non-Banking Financial Intermediaries
  • Service Centers
  • Debt collection companies, law firms, and external consultants

Key Benefits of SyData

  • Advanced Management of External Data Tapes: SyData speeds up the loading of data tapes (Excel, CSV) without the need to normalize data into a standard layout, ensuring greater flexibility and speed.
  • Multi-Operation Processing: The system allows simultaneous management of multiple Data Quality and Data Remediation operations, even on different data tapes.
  • Customization of Data Quality Rules

SyData verifies data quality through:

  • Definition of metadata
  • Entity correlation
  • Application of referential constraints
  • Rules for identifying inconsistencies and missing data
  • Automatic Checks and Data Validation: Implementation of a set of automatic checks to ensure the consistency and accuracy of the provided data.
  • Customized configuration of Data Remediation
  • Definition of data processing and validation methods
  • Application of specific rules for correcting and normalizing information
  • Customized Process Management: SyData uses Sydema’s workflow engine to parameterize tailor-made processes for managing Data Quality and Data Remediation cases.
  • Real-Time Monitoring and Progress Control: The platform provides customizable, real-time updated views to monitor the status of cases, including those under second-level Data Quality processing.
  • Resource Management Optimization: Orchestrate and coordinate the activities of asset managers, internal and external managers, improving the efficiency of the remediation process.
  • Smart Alerts and Notifications: Advanced management of notifications, alerts, and deadlines, with a dedicated agenda for monitoring activities.
 

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