Configurable
Fields, statuses, rules and negotiation proposals adapt to each operation.
The product · Gestia
Gestia. The whole debt cycle, in one place.
Meltia's 360 collections CRM: software that centralizes customer data and their debts, negotiation proposals, the history of commitments and payments, reconciliation and interactions. Configurable to your operation. This is what an account record looks like.
Example account record
Customer ••4821Retail portfolio · Early delinquency sub-portfolio
$ 248.500Total debt
Customer details
Customer
••4821 (anonymized)
ID document
••·•••·321
Phone
+54 ••• ••4821
Email
c•••@•••.com
Portfolio
Retail
Sub-portfolio
Early delinquency
Account debts
Card ••4821
Balance $ 180,200
Loan ••7790
Balance $ 68,300
Total debt
2 products
Negotiation proposals (per portfolio policy)
3-payment plan
30% upfront + 2 instalments
Single payment with write-off
25% write-off within policy
6-payment plan
Requires supervisor-level authorization
Commitments
1st payment — $ 74,550Due Fri 12/09 · recorded by Saldia
2nd payment — $ 86,975Due 12/10 · scheduled
3rd payment — $ 86,975Due 12/11 · scheduled
Payments
Payment $ 74,550
11/09 · bank transfer
Payment $ 86,975
Due 12/10
Reconciliation
Payment 11/09 ↔ 1st commitment
Automatic matching
Updated balance
After the credit
What you see here
The full account, in one record
360 customer record
Customer data and all their debts on a single screen.
Configurable proposals
Plans and write-offs built according to each portfolio's rules.
Commitments and payments
Full history of promises, compliance and credits.
Reconciliation
Matching of payments and balances to close each interaction.
It integrates with Saldia 24.7: whatever the bot handles is recorded here, in the same record.
Why configurable
It adapts to your operation, not the other way around.
Users by profile
Access, permissions and authorizations according to each user's role.
Portfolios and sub-portfolios
Organize debt by portfolio, sub-portfolio and stage, with its own rules.
Interaction history
The full journey of each account: contacts, proposals, commitments and payments.
Policy-driven proposals
The system builds and validates proposals within each portfolio's policy.
Integrable
It connects to your systems and to the rest of Meltia's products.
Frequently asked questions
What people ask us before starting.
What is Gestia?
Meltia's 360 collections CRM: it centralises in a single record the customer's data, all their debts, the negotiation proposals, the commitments made, the payments and the reconciliation. The whole debt cycle in one place.
How is it different from a generic CRM?
It is built on the debt cycle rather than adapted to it: proposals validated against each portfolio's policy, commitments with due dates and follow-up, payment posting and automatic reconciliation against each promise. In a generic CRM all of that has to be built by hand.
Does it adapt to our operation?
Yes. Fields, statuses, negotiation policies, portfolios and sub-portfolios are configured to the way each operation works, with access and approvals by user role. A plan that needs a supervisor's sign-off is defined as such.
Do we have to use it together with Saldia?
Not necessarily: Gestia works with fully human collections. That said, if you add Saldia, everything the bot negotiates is recorded in the same file as the human work, with nothing entered twice.
Does it integrate with the systems we already use?
Yes. Gestia connects to your systems and to the rest of Meltia's products. It is part of how we work: the solution is built on the real process and on what is already running.