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Oracle Financial Services Lending and Leasing (OFSLL). Paul Mattiacci FSGBU GBT Head - Lending.

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oracle financial services lending and leasing ofsll
Oracle Financial Services Lending and Leasing (OFSLL)

Paul MattiacciFSGBU

GBT Head - Lending

slide3

The preceding is intended to outline our general product direction. It is intended for information purposes only, and may not be incorporated into any contract. It is not a commitment to deliver any material, code, or functionality, and should not be relied upon in making purchasing decisions. The development, release, and timing of any features or functionality described for Oracle’s products remains at the sole discretion of Oracle.

program agenda
Program Agenda
  • Oracle FSGBU Welcome
  • Gateway One Lending & Finance Presentation
  • OFSLL Overview
  • Questions and Closing
auto lending is a great opportunity space

Open loan portfolios - increasing total balances

Historically low percentage of delinquencies

Average age of a car in the U.S. is 10+ years

Credit requirements are easing

Average credit scores continue to decrease

Increasing percentage of subprime lending

Increasing average finance amounts for both new and used vehicles

Auto Lending is a Great Opportunity Space
oracle financial services lending and leasing
Oracle Financial Services Lending and Leasing

Delivering Value to all Stakeholders in the Auto Lending Process

Customer

Dealer

Knowledge Staff / IT

Management

  • ENHANCED USER EXPERIENCE
  • SUPERIOR EXPERIENCE ACROSS CHANNELS
  • SCENARIO ANALYSIS TO UNDERSTAND THE EFFECT OF ANY CHANGE
  • ONE STOP SHOP FOR THE ENTIRE LIFECYCLE PROCESSING
  • QUICK CREDIT SCORING FOR FAST DECISIONS
  • SEAMLESS CUSTOMER INFORMATION ACROSS THE ORGANIZATION
  • PERSONALIZED DASHBOARDS FOR BUSINESS HEALTH CHECK
  • EFFECTIVE RISK AND COMPLIANCE MANAGEMENT
  • EFFICIENT FLOOR PLANNING
  • FLEXIBLE SUBSIDY PLANS
  • FLEXIBLE COMMISSION METHODS
  • EFFECTIVE BAD DEBT MANAGEMENT
  • ENHANCED OPERATIONAL CONTROL
  • EASY MODIFICATION AND ALIGNMENT OF PRODUCTS
  • PERSONALIZED ALERTS AND REMINDERS
  • FAST ROLLOUT THROUGH EXTENSIBLE PRODUCTS
  • FUTURE-PROOFING THORUGH OPEN SYSTEM FRAMEWORK
ofsll functional architecture
OFSLL Functional Architecture

Addresses All Components of the Auto Lending Lifecycle

Origination

Servicing

Collections

Payments and

Settlements

Tracking

Additional

Functionality

Lending Lifecycle

Flexible Product Configuration

Multi-language

and

Multi-currency

Operational Controls

Accounting

Process Flow Enabled

Delinquency Processing/ Tracking

Multiple Channel

Collateral Management

Repayments

Third party Interfaces

Workflow Management

Business Rules

Pre-payments

Auditing

General Ledger

Booking

Workflow Management

ACH/Lockbox

Collection Dashboards

Configurable Schedules

Provisioning

Vendor Management

Credit Scoring

Insurance Processing

Auto/ Manual Disbursements

Customer Interactions & Follow ups

Transaction Processing

Auto Decision

Reschedule/ Payment plan

Remarketing

Online Banking

Web Services

Interest Processing

PTP/ Broken Promise

Document Management

Credit Card processing

Charges and Fees

Rate Revisions

Full/ Partial

Write off

Wholesale Floor Planning

Fraud Detection

Specialty Collection/ Bad Debt Mgmt

Payoff/ EOT processing

Loan/ Lease Tracking

Dealer/ Broker Management

Dealer Statements

Dealer Compensation

Reserves and Recourse Processing

Dealer Subvention

Framework

slide9

Proven Benefits to Our Customers

Business Agility

  • Comprehensive functionalities providing end-to-end lending capabilities
  • Manage, monitor, improve and address the changing business processes
  • Manage risk and compliance

Efficiency

  • Ability to launch innovative products to drive business growth
  • Empower user to make right decisions and be efficient
  • Comprehensive security

Management

  • Seamless information management across the organization
  • Measure and improve performance

IT

  • Extensible architecture supports evolving business needs
  • Open system framework helps current and future technological integration
  • Architecture enables support for expansion plans of the organization
slide10
Todd Pierson

Chief Operating Officer Gateway One Lending & Finance

“Oracle Financial Services Lending and Leasing’s flexibility and robust functionality enables us to address our most pressing challenges, including enhancing the customer experience and keeping operational costs down. At the same time, we gain expanded insight that helps us to reduce risk.”