Telesuara CMS is a full-stack Collection Management System built in Indonesia, for Indonesian banks, multifinance, and lending businesses. Automate bucket strategy, orchestrate debtor journeys, track every PTP, and recover more — with RBAC, multi-tenant isolation, and an OJK-ready audit trail. Telesuara CMS adalah Collection Management System full-stack buatan Indonesia, untuk bank, multifinance, dan lembaga pembiayaan di Indonesia. Otomatiskan strategi bucket, atur journey debitur, lacak setiap PTP, dan tingkatkan recovery — dengan RBAC, isolasi multi-tenant, dan audit trail siap OJK.
Case #CMS-2026-00847
Bucket X · DPD 42 · IDR 12.400.000
Call attempt — RPC
PTP captured: IDR 5.000.000 by 10 Oct
WhatsApp reminder sent
Template: ptp_reminder_h-1
Journey step advanced
Soft Collection → Field Visit
99.99%
SLA Uptime
22
Core TablesTabel Inti
270+
Concurrent UsersPengguna Serentak
24/7
Collection OpsOperasi Penagihan
Telesuara CMS is a FastAPI + React / UmiJS / Ant Design Pro platform engineered for the real workflow of an Indonesian collection department: assigning cases to desk and field agents across Jakarta, Surabaya, Medan, and every regional branch; enforcing bucket strategies; logging every contact attempt; orchestrating SMS / WhatsApp / email / letter reminders; and measuring recovery against portfolio KPIs. Multi-tenant from day one, with RBAC and a controlled superadmin tenant-bypass baked into the core.
Telesuara CMS adalah platform FastAPI + React / UmiJS / Ant Design Pro yang dirancang untuk alur kerja nyata departemen penagihan di Indonesia: assignment kasus ke agen desk & field dari Jakarta, Surabaya, Medan, hingga cabang daerah; penegakan strategi bucket; pencatatan setiap upaya kontak; orkestrasi reminder SMS / WhatsApp / email / surat; dan pengukuran recovery terhadap KPI portofolio. Multi-tenant sejak hari pertama, dengan RBAC dan superadmin tenant-bypass terkontrol di dalam core.
Select a module below to view detailed features.
Pilih modul di bawah untuk melihat fitur detail.
360° debtor profile — exposure, contact points, co-debtors, guarantors, and full account history.
Profil debitur 360° — eksposur, titik kontak, co-debitur, penjamin, dan riwayat akun lengkap.
Assign, re-assign, and track every case from allocation to closure with full ownership trail.
Assign, re-assign, dan lacak setiap kasus dari alokasi hingga penutupan.
Capture PTPs, broken promises, call dispositions, field visit outcomes, and dispute flags.
Catat PTP, broken promise, disposisi panggilan, hasil kunjungan, dan flag sengketa.
Define DPD buckets, risk tiers, and treatment strategies — enforced automatically per case.
Definisikan bucket DPD, tier risiko, dan strategi treatment — diterapkan otomatis per kasus.
Multi-step journeys from soft reminder to field visit, SP1/SP2/SP3, and legal handover.
Journey multi-langkah dari soft reminder hingga field visit, SP1/SP2/SP3, dan serah terima legal.
Batch-optimized snapshot engine — assembles the exact data each template needs in 5 queries.
Snapshot engine batch-optimized — merangkai data persis yang dibutuhkan template dalam 5 query.
Render SMS, email, WhatsApp, and formal letters (SP1/SP2/SP3) with centrally governed variables.
Render SMS, email, WhatsApp, dan surat formal (SP1/SP2/SP3) dengan variabel tersentral.
Recovery rate, PTP kept %, roll rates, agent productivity, and bucket flow dashboards.
Tingkat recovery, % PTP kept, roll rate, produktivitas agen, dan dashboard aliran bucket.
Role-based access, JWT auth, tenant isolation, and controlled superadmin bypass.
Akses berbasis peran, auth JWT, isolasi tenant, dan superadmin bypass terkontrol.
A single, canonical debtor record — pulled from core banking, loan origination, or multifinance systems — enriched with every contact point, co-debtor, guarantor, and collateral record the collector needs on one screen.
Satu record debitur kanonikal — ditarik dari core banking, loan origination, atau sistem multifinance — diperkaya dengan setiap titik kontak, co-debitur, penjamin, dan jaminan yang dibutuhkan kolektor dalam satu layar.
A case is the unit of work. Allocate accounts to desk or field agents by portfolio, geography, or score; re-assign on vacation or escalation; and keep a tamper-evident trail from first allocation to closure.
Kasus adalah unit kerja. Alokasikan akun ke agen desk atau field berdasarkan portofolio, geografi, atau skor; re-assign saat cuti atau eskalasi; dan simpan jejak audit dari alokasi awal hingga penutupan.
Every contact attempt, PTP, broken promise, dispute, and field visit — captured with disposition codes, geotag (for field), and attachments. The record a regulator or internal auditor expects to see.
Setiap upaya kontak, PTP, broken promise, sengketa, dan kunjungan lapangan — terekam dengan kode disposisi, geotag (untuk field), dan lampiran. Catatan yang diharapkan regulator atau auditor internal.
Model your bucket definitions (X, 1, 2, 3, 4, WO), risk tiers, and treatment strategies as configurable rules — not hard-coded logic — so new strategies ship without a code release.
Modelkan definisi bucket (X, 1, 2, 3, 4, WO), tier risiko, dan strategi treatment sebagai aturan konfigurasi — bukan logika hard-coded — sehingga strategi baru dapat dirilis tanpa perubahan kode.
Orchestrate the full debtor journey — soft reminder, hard reminder, field visit, SP1/SP2/SP3 formal letters, legal handover — as a configurable sequence with conditional branches.
Orkestrasi journey debitur penuh — soft reminder, hard reminder, kunjungan lapangan, surat SP1/SP2/SP3, serah terima legal — sebagai urutan terkonfigurasi dengan cabang kondisional.
A dedicated service that assembles the exact data snapshot each template or decision needs — in a batch-optimized 5-query sweep — with lineage, validation, and version control on every field.
Layanan khusus yang merangkai snapshot data yang dibutuhkan setiap template atau keputusan — dalam sapuan batch-optimized 5-query — dengan lineage, validasi, dan kontrol versi di setiap field.
Centralized template library for SMS, email, WhatsApp, and formal collection letters (SP1, SP2, SP3). Variables are governed, approvals are tracked, and every rendered output is logged against its data snapshot.
Pustaka template tersentral untuk SMS, email, WhatsApp, dan surat formal penagihan (SP1, SP2, SP3). Variabel diatur, persetujuan dilacak, dan setiap output yang di-render dicatat terhadap snapshot data-nya.
The KPIs a collection head actually runs the department on — recovery %, PTP kept %, roll rates, agent productivity, portfolio flow — exposed as live dashboards and scheduled reports.
KPI yang benar-benar dipakai Head of Collection untuk menjalankan departemen — % recovery, % PTP kept, roll rate, produktivitas agen, aliran portofolio — tersedia sebagai dashboard live dan laporan terjadwal.
Multi-tenant from day one, with role-based access control, JWT-based auth, and a controlled superadmin tenant-bypass system — so an operations team can support many tenants without ever cross-contaminating their data.
Multi-tenant sejak hari pertama, dengan RBAC, auth berbasis JWT, dan sistem superadmin tenant-bypass terkontrol — sehingga tim operasi dapat mendukung banyak tenant tanpa pernah mencampuradukkan data mereka.
A national multifinance company managing a growing non-performing portfolio across 25 branch sites from Jakarta to the regions, with 270+ desk and field collectors and no single source of truth for case ownership or PTP tracking.
Perusahaan multifinance nasional dengan portofolio non-performing yang berkembang di 25 cabang dari Jakarta sampai daerah, dengan 270+ kolektor desk & field dan tanpa single source of truth untuk kepemilikan kasus maupun pelacakan PTP.
The deployment started with Customer Management and Case Management as the foundation — one golden record per debtor, one case per account. Bucket & Strategy replaced ad-hoc spreadsheet rules with configurable DPD boundaries and treatment matrices. Collection Journey wired up the SP1/SP2/SP3 progression so legal handovers could only happen after proper notice. Finally, Reports & Analytics gave the Head of Collection a live view of recovery and roll rates instead of a lagging month-end PDF.
Penerapan dimulai dengan Customer Management dan Case Management sebagai fondasi — satu golden record per debitur, satu kasus per akun. Bucket & Strategy menggantikan aturan spreadsheet ad-hoc dengan batas DPD dan matriks treatment yang terkonfigurasi. Collection Journey merangkai progresi SP1/SP2/SP3 sehingga serah terima legal hanya terjadi setelah pemberitahuan yang benar. Terakhir, Reports & Analytics memberi Head of Collection pandangan live atas recovery dan roll rate alih-alih PDF akhir bulan yang terlambat.
+22%
Bucket-1 RecoveryRecovery Bucket-1
+35%
PTP Kept RatePTP Kept Rate
−40%
Admin HoursJam Admin
Replacing spreadsheets and ad-hoc tooling with a purpose-built CMS has measurable, repeatable effects across every collection department — more recovered, less leaked, faster audits, happier agents.
Mengganti spreadsheet dan tooling ad-hoc dengan CMS yang dirancang khusus memberi dampak terukur dan berulang di setiap departemen penagihan — lebih banyak recovery, lebih sedikit kebocoran, audit lebih cepat, agen lebih puas.
+20%
Recovery RateTingkat Recovery
−30%
Roll-Forward RateRoll-Forward Rate
+35%
PTP Kept RatePTP Kept Rate
−40%
Reporting EffortBeban Pelaporan
From data migration to go-live and beyond — structured delivery with clear milestones.
Dari migrasi data hingga go-live dan setelahnya — delivery terstruktur dengan milestone yang jelas.
Mapping from core banking, loan origination, or multifinance systems into the 22-table CMS schema, with reconciliation and sign-off at each cutover.
Pemetaan dari core banking, loan origination, atau sistem multifinance ke skema CMS 22 tabel, dengan rekonsiliasi dan sign-off di setiap cutover.
Workshops to translate existing bucket definitions, treatment matrices, and legal letter paths into platform configuration.
Workshop untuk menerjemahkan definisi bucket, matriks treatment, dan jalur surat legal yang ada ke konfigurasi platform.
Role-specific curricula for desk collectors, field collectors, supervisors, and admins — with sandbox environments for practice.
Kurikulum spesifik per peran untuk desk collector, field collector, supervisor, dan admin — dengan sandbox untuk latihan.
L1–L3 escalation, defined response times, and quarterly reviews of recovery KPIs against platform usage.
Eskalasi L1–L3, waktu respon terdefinisi, dan review KPI recovery kuartalan terhadap penggunaan platform.
Cloud SaaS for speed, or fully on-premise for data sovereignty — the CMS runs the same either way, with WAN sizing worked out branch by branch.
Cloud SaaS untuk kecepatan, atau on-premise penuh untuk kedaulatan data — CMS berjalan sama di keduanya, dengan sizing WAN per cabang.
Multi-tenant SaaS with elastic capacity for monthly bucket cycles. Zero infrastructure for the bank; updates ship without a change window on your side.
SaaS multi-tenant dengan kapasitas elastis untuk siklus bucket bulanan. Tanpa infrastruktur bagi bank; update dirilis tanpa change window di sisi Anda.
8-node VMware cluster for the CMS, shared cluster for mobile services, with a reference WAN sizing of ~158 Mbps aggregate for 270+ users across 25 branch sites.
Cluster VMware 8 node untuk CMS, shared cluster untuk layanan mobile, dengan sizing WAN referensi ~158 Mbps agregat untuk 270+ pengguna di 25 cabang.
RBAC on every write endpoint, JWT auth, tenant isolation at the data layer, superadmin bypass fully audited, and secure defaults aligned to Indonesian regulatory expectations (OJK, UU PDP) and recognized international standards.
RBAC di setiap endpoint write, auth JWT, isolasi tenant di layer data, superadmin bypass teraudit penuh, dan default aman yang selaras dengan ekspektasi regulasi Indonesia (OJK, UU PDP) serta standar internasional yang diakui.
Tell our Indonesia team about your portfolio, your current tooling, and your biggest leakage point — we'll follow up with a tailored walkthrough on your real scenarios. Ceritakan ke tim Indonesia kami tentang portofolio, tooling saat ini, dan titik kebocoran terbesar Anda — kami akan menindaklanjuti dengan walkthrough yang disesuaikan pada skenario nyata Anda.
A 30-minute discovery call, then a scoped demo against two or three of your real scenarios — bucket flow, PTP handling, SP1/SP2/SP3, or recovery reporting.
Discovery call 30 menit, lalu demo terfokus pada 2-3 skenario nyata Anda — aliran bucket, penanganan PTP, SP1/SP2/SP3, atau pelaporan recovery.
We treat anything you share in a discovery call as confidential and will sign an NDA before any data is exchanged.
Semua yang Anda bagikan dalam discovery call dianggap rahasia dan NDA ditandatangani sebelum ada pertukaran data.