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Crédit Agricole SA

Facilitate the distribution of financing programs subject to eligibility criteria

Problem: The manager overseeing these programs, provided by external institutions (EIF, EIB, EBRD, etc.), required a tool to streamline the distribution of intricate programs to the Account Managers within its banking network. The goal was to promote network engagement, expand the reach of the programs, and simplify regulatory reporting to the credit enhancer.

With Kls Desk's Debt Eligibility application:

8000
reservations

registered within the app.

1200
bankers

distributing those programs, to the bank's corporate customers.

10
minutes

is the time it takes to complete the regulatory reporting to the credit enhancer.

Customer needs

Facilitate the distribution of financing programs based on eligibility criteria.

 

Kls solutions

The Kls Debt Eligibility application is a collaborative solution between program managers and distributors, including:

For managers:
  • A tool for managing all programs under supervision
  • A parameter-setting interface for the eligibility engine and for customizing criteria independently
  • A program management page to track consumption and keep an eye on reservations
  • Semi-automated reporting, to simplify regulatory requirements
  • A "guarantee claim management" module for seamless monitoring of guaranteed loans
For distributors :
  • A tool that brings together all the programs they have to distribute
  • A simplified form to be filled in with the customer to find out instantly if eligibility is possible
  • A page for each reservation, centralizing project information and feedback from the program manager
  • A centralized space for tracking all credit events and recovery in the event of default.

Results

Using the Kls Desk platform, program managers of Crédit Agricole SA have observed :

  • Improved network distribution thanks to better understanding
  • Major time savings in the regulatory reporting phase, thanks to customizable reporting templates
  • Better monitoring and measured risk management thanks to post-contract event tracking
Distributors observe :
  • A better understanding of programs and their criteria
  • Improved customer relations by being able to quickly define the eligibility of their project

  • Enhanced and expedited visibility of institutional validation and booking processes

About the bank

SECTOR
National Bank

KEY FIGURES
39 regional branches in France
25.1 million customers 
140 years of expertise 

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"Before Kls, it was difficult to get our network on board with the distribution of our financing programs, because they are too complex. Advisors often preferred not to offer these mechanisms than to spend hours going back and forth to fill in a 300-lines Excel file with their customers. Thanks to Debt Eligibility, the network benefits from a genuine tracking tool that enables them to find out easily whether a project is eligible or not, with an answer for them and the customer, in a matter of seconds."
portrait 50 years old businesswoman smiling
Françoise Monier

Director of Organization and Complex Projects

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