Umeluleki Wezikweletu Ukuphatha Caseload | Kala Ukuzijwayeza Kwakho
Umhlahlandlela wokuphatha umeluleki wezikweletu eNingizimu Afrika. Kala ukwenza kwakho ngedatha emaphakathi, ukuhamba komsebenzi okujwayelekile, namarekhodi alungele i-NCR.
Abeluleki bezikweletu baseNingizimu Afrika babhekene nokumpintshana okujwayelekile: isidingo sokubuyekezwa kwezikweletu siphezulu, kodwa ukuphathwa komthwalo womeluleki ngezezikweletu kusasebenza ngezinqubo ezenziwa ngesandla ezingalinganisi. Njengoba inani lamacala asebenzayo likhula, kanjalo namaphepha, ukufundwa kombiko, kanye nomthwalo wamadokhumenti. Okusebenze emacaleni angu-30 noma angu-50 kwehla ku-100 noma ku-200. Umphumela uba amahora amade, ukuqondisa okuningi, kanye nengozi enkulu yezikhala lapho i-NCR noma umcwaningi mabhuku ecela ukubona ukuthi icala lisingathwe kanjani. Lesi sihloko sibheka ukuthi kungani ukukhula kwe-caseload kudlula ukugeleza komsebenzi okwenziwa ngesandla, ukuthi ukuphathwa kwe-caseload okuphumelelayo kubukeka kanjani ekusebenzeni, nokuthi amafemu angawasingatha kanjani amacala amaningi ngaphandle kokwenyuka okulinganiselwe kokuphatha.
Inselele iwukusebenza, hhayi nje kwezobuchwepheshe. Ikhasimende ngalinye elisha lisho omunye umbiko wesikweletu ongawuthola futhi uwuhumushe, okunye ukuhlola ukukwazi ukukhokhela ukuze kubhalwe phansi, esinye isiphakamiso sokulungiselela nokulandelela. Ngaphandle kombono ogxilile wokuthi ubani osesimisweni, yimiphi imibiko esikhishiwe, nokuthi yimiphi imibhalo ekhona yecala ngalinye, abeluleki kanye nabasebenzi bokusebenza bachitha isikhathi esiningi befuna futhi bebuyisana kunasemsebenzini wamakhasimende wangempela. Umgomo awukona ukufaka esikhundleni sokwahlulela kochwepheshe ngesofthiwe, kodwa ukunikeza izinqubo zokwelulekwa kwezikweletu isakhiwo abasidingayo ukuze sikhule ngaphandle kokuwa ngaphansi kwesisindo sama-caseloads abo.
Inselele Yokusebenza Yokukala Umkhuba Wokwelulekwa Ngezikweletu
Ukwandisa umkhuba wokwelulekwa ngezikweletu kusho amakhasimende amaningi, imibiko eminingi yezikweletu, kanye nemibhalo eyengeziwe. Ubudlelwano bucishe bulingane: kabili i-caseload futhi uphinda kabili inani lehhovisi elibika kulofunda, iziphakamiso okufanele zenziwe, kanye nezimpendulo zabakweletwayo ukuze zilandelelwe. Endaweni eyenziwa mathupha, lokho kusho ukuthi kabili amafolda efayela, kabili imigqa yesipredishithi, bese uphinda kabili ingozi yokuthi okuthile kugejiwe noma kurekhodwe ngokungahambisani.
Inkampani eyake yaphatha amacala asebenzayo angu-50 neqembu eliNCAne ingase ithathe angu-150 noma angu-200 njengoba isidingo sikhula. Ezimweni ezingu-50, umeluleki angase akhumbule amaklayenti amaningi ngamagama futhi alandele engqondweni ukuthi ifayela ngalinye lime kuphi. Ku-200, lokho akusenani. Isimo secala—ukungenisa, ukulinganisa, isiphakamiso esithunyelwe, ukuxoxisana, umyalelo wemvume, ukuqapha—kufanele kubonakale ohlelweni, hhayi ekhanda lothile. Izibuyekezo ezivela kubanikezeli bezikweletu nezinkantolo kufanele zihlale efayeleni elilungile ngaso sonke isikhathi. Uma iklayenti lishaya ucingo noma i-NCR icela ifayela, ithimba kufanele likwazi ukuthola umbiko olungile, isiphakamiso sakamuva, kanye nomkhondo wesinqumo esigcwele ngaphandle kokumba ama-imeyili namadrayivu abiwayo.
Umgoqo awukona ukuzimisela ukusebenza kanzima; ukuthi ukuhamba komsebenzi okwenziwa ngesandla akulingani ngendlela ehlelekile. Abantu abaningi bangasiza kuphela uma ukunikezwa kucacile, idatha isendaweni eyodwa, futhi wonke umuntu elandela inqubo efanayo. Ngaphandle kwaleso sisekelo, ukwengeza abasebenzi kuvame ukwengeza ukudideka. Okusebenzayo ukuphathwa kwe-caseload kwabeluleki bezikweletu eNingizimu Afrika ngakho-ke kuncike ekusukeni ekugcinweni kwefayela okungalindelekile kuye ekuhambeni komsebenzi okuphindaphindwayo, okuhlolekayo okukhula ngalo mkhuba.
Kungani Izindlela Zamanje Zehluleka Ngevolumu Ephakeme
Amafemu amaningi aluleka ngezikweletu asathembele ekuhlanganisweni kokulandelelwa kwamacala okwenziwa ngesandla, amafayela ahlakazekile, kanye nemibiko yezikweletu esekwe ku-PDF. Iklayenti ngalinye lingase libe nefolda (engokomzimba nomadigital) aqukethe imibiko yehhovisi njengama-PDF, amaspredishithi anezibalo zokuthengeka, amadokhumenti esiphakamiso, kanye nezincwadi. Isimo sekesi silandelelwa ku-Excel, ebhodini elimhlophe, noma ku-CRM ejwayelekile engazange yakhelwe ukubuyekezwa kwezikweletu. Le ndlela iyaqondakala uma inkampani incane, kodwa idala ukwehluleka okungabikezelwa njengoba ivolumu ikhuphuka.
Ukulandelela icala mathupha
“Likuphi lelicala?” iphendulwa ngokusesha ngohlu, ama-imeyili, noma inkumbulo yothile. Ayikho ideshibhodi eyodwa ekhombisa ukuthi yimaphi amacala alinde imibiko yehhovisi, asesigabeni sesiphakamiso, futhi yimaphi asabambekile ezingxoxweni. Ukubeka phambili nokulinganisa umthwalo womsebenzi kuba ukuqagela. Uma othile engekho, amacala akhe anzima ukuwabela kabusha ngoba umongo uhlala ekhanda lakhe noma kumafayela abazi ukuthi atholakala kanjani.
Amafayela ahlakazekile nemibiko ye-PDF iklayenti ngalinye
Lonke ucezu lolwazi lusendaweni ehlukile. Umbiko wakamuva we-Experian ungase ube kufolda yeklayenti; ukudonsa kwe-Datanamix kungase kube ku-imeyili. Ukuqhathanisa izinsuku ezimbili zombiko noma ukuhlola ukuthi wonke ama-akhawunti athathwe yini kudinga ukuvula amadokhumenti amaningi futhi uwafunde kabusha isikhathi ngasinye. Akukho ukubuka okuhlelekile kwesimo seklayenti ngokuhamba kwesikhathi, futhi ayikho indlela esheshayo yokubona ukuthi yimaphi amacala anedatha ye-bureau ephelelwe yisikhathi.
Amaspredishithi e-Excel
Amaspredishithi avame ukusetshenziselwa izibalo zokuthengeka, uhlu lwamaklayenti, noma ukulandelela amapayipi. Ayavumelana nezimo kodwa antekenteke. Idatha iphinda ifakwe ukhiye isuka kuma-PDF, ngakho-ke amaphutha nokuguqulwa kwenguqulo kuvamile. Abeluleki abahlukene bangasebenzisa izifanekiso noma izimiso ezihlukene. Uma i-NCR ibuza ukuthi isibalo satholwa kanjani,impendulo ingase incike ekutheni iyiphi inguqulo yesipredishithi esetshenzisiwe nokuthi ingabe ibixhunywe embikweni olungile. Amaphutha efomula angasakaza; idatha yeklayenti ebucayi ingase ihlale kumafayela athunyelwe nge-imeyili noma agcinwe kumadrayivu abiwayo ngaphandle kwezilawuli ezifanele zokufinyelela noma izindlela zokuhlola.
Amadokhumenti angahambisani kuzo zonke izimo
Icala elilodwa lingase libe nenothi elicacile elixhumanisa isiphakamiso nombiko we-bureau; omunye angase abe nesixhumanisi enkumbulweni yothile kuphela. Abacwaningi mabhuku kanye ne-NCR balindele indlela yokusebenza engaguquki: uhlobo olufanayo lwerekhodi kuzo zonke izimo, elinophawu olucacile nezitembu zesikhathi. Ukugeleza komsebenzi okwenziwa ngesandla, okusekelwe kufayela akuvamile ukuletha lokho kuvumelana esikalini. Ukuze uthole okwengeziwe ngokuthi amathuluzi akhelwe inhloso abhekana kanjani nalezi zikhala, bona isofthiwe yokwelulekwa ngezikweletu yamafemu aseNingizimu Afrika.
Kubukeka Kanjani Ukuphathwa Kwe-Caseload Okuphumelelayo
Ukuphathwa okusebenzayo kwe-caseload kwabeluleki bezikweletu kuncike ezimisweni ezimbalwa: idatha yeklayenti emaphakathi, imibiko yezikweletu ehleliwe, ukuhamba komsebenzi okujwayelekile, kanye nemibhalo engaguquki. Uma lokhu sekwenziwe, umkhuba ungakhula ngaphandle kokukhuphuka ngokulingana kwabaphathi futhi ngaphandle kokudela ukulungela ukuhlolwa.
Idatha yeklayenti emaphakathi isho ukuthi icala ngalinye lihlala kusistimu eyodwa enerekhodi elilodwa iklayenti ngalinye. Imininingwane yokuxhumana, usuku lokuthatha, umeluleki owabelwe, nesimo secala siyabonakala ngaphandle kokuvula amafolda amaningi noma amaspredishithi. Isimo singabuyekezwa endaweni eyodwa futhi siboniswe kuwo wonke umuntu osidingayo. Ukunikezela nokwabiwa kabusha kuqondile ngoba umlando nesimo samanje kusendaweni efanayo.
Imibiko yezikweletu ehleliwe ithatha indawo yesidingo sokufunda nokuphinda ukhiye kuma-PDF. Idatha yehhovisikusuka ku-Experian, Datanamix, TransUnion, noma amanye ama-bureaux ihlukaniselwe ezinkambini ezingaguquki, eziseshekayo. Abeluleki babona umbono ofanayo kuwo wonke amaklayenti: ama-akhawunti, amabhalansi, ukuziphatha kokukhokha, nezilinganiso ezibalulekile ngefomethi esezingeni. Lokho kunciphisa isikhathi sokuhumusha futhi kusekela umbiko wekhredithi ukuhamba komsebenzi okuzenzakalelayo—ukudonsa, ukumisa, nokubhala imibiko ngokugeleza okukodwa esikhundleni sokushintsha phakathi kwamaphothali ehhovisi namadokhumenti.
Ukugeleza komsebenzi okujwayelekile kuqinisekisa ukuthi icala ngalinye lidlula ezigabeni ezifanayo ngendlela ebhaliwe. Ukuthatha, ukudonsa kwehhovisi, ukuhlolwa kokukwazi ukuthengeka, ukulungiswa kwesiphakamiso, ukuxoxisana nabakweletwayo, kanye nomyalelo wemvume (noma ukudluliselwa) kuyizinyathelo ezichaziwe. Uhlelo lungakhombisa ukuthi yimaphi amacala akusiphi isigaba, ngubani onesibopho, nokuthi yimiphi imibhalo ekhona. Lokho kubonakala kusekela ukulinganisa komsebenzi, ukubeka phambili, nokulandelela ngesikhathi. Futhi kwenza kube lula ukugibela abasebenzi abasha, ngoba inqubo icacile kunolwazi lwezizwe.
Amadokhumenti angaguquki abopha zonke izinqumo kudatha yayo yomthombo. Umbiko osetshenziswe ekuhloleni uxhumene necala; ukubalwa kokukwazi ukukhokhela kuxhumene nombiko; isiphakamiso sixhumene nokuhlola. Uma i-NCR noma umcwaningi mabhuku ebuza ukuthi isincomo sifinyelelwe kanjani, impendulo iba ohlelweni: iyiphi idatha eyasetshenziswa, yakhishwa nini, nokuthi isiphetho saqoshwa kanjani. Lolo chungechunge lobufakazi yibo obuhlukanisa inkambiso evikelekayo nokugcinwa kwamafayela esikhashana. Ukuze uthole umbono onemininingwane wokuthi lokhu kungena kanjani enqubweni egcwele, bona i-inqubo yokubuyekezwa kwezikweletu eNingizimu Afrika.
Ubukhulu bokuthobelana: Ukucwaningwa kwamabhuku kwe-NCR kanye Nendawo Yokucwaningwa Kwezimali
I-National CreditUmlawuli ulindele ukuthi amafemu aluleka ngezikweletu agcine amarekhodi acacile, abuyiselekayo kuwo wonke amacala. Lapho i-NCR yenza ucwaningomabhuku noma icela ifayela, ifemu kufanele ikwazi ukuveza isicelo, imibiko yezikweletu esetshenzisiwe, ukuhlolwa kokukwazi ukukhokhela, isiphakamiso, izimpendulo zabakweletwayo, kanye nanoma yimuphi umphumela wenkantolo noma wenkantolo. Uma inkampani inezimo eziningi, iba nkulu indawo yocwaningomabhuku: amafayela engeziwe okufanele agcinwe, izinqumo eziningi okufanele zizithethelele, kanye namathuba engeziwe ezikhala uma amadokhumenti enziwa mathupha futhi ehlakazekile.
Ukulandela ngomkhondo kudala izikhala. Icala kungenzeka lihlolwe ngendlela efanele, kodwa uma isixhumanisi phakathi kombiko wehhovisi kanye nesincomo singacacile—uma sikhona kuphela kumanothi umeluleki noma kuspredishithi esingaboshelwe embikweni—umkhondo wokucwaninga ubuthakathaka. Ukuqanjwa kwefayela okungahambisani, izinguqulo eziningi zedokhumenti efanayo, nezinqumo ezirekhodwe nge-imeyili esikhundleni sesistimu emaphakathi konke kwandisa isikhathi nobungozi obuhilelekile ekuphenduleni i-NCR. Lapho ama-caseloads ekhula, lezo zikhala ziyaphindaphindeka. Ifemu enamacala asebenzayo angu-200 nezinqubo ezenziwa ngesandla inezicelo ezingaba ngu-200 zokucwaningwa kwamabhuku, ngayinye idinga othile ukuthi ahlanganise kabusha indaba ngezicucu.
Ukuphathwa kwe-caseload okusebenzayo kunciphisa leyo ngozi ngokuklama. Uma udaba ngalunye lucutshungulwa ngokugeleza komsebenzi okufanayo futhi zonke izinqumo zibhalwe endaweni efanayo nedatha eyisisekelo, umkhondo wokucwaninga wakhelwa ngaphakathi. I-NCR ibona indlela ephindaphindwayo namarekhodi ahambisana nesikhathi, hhayi inqwaba yamanothi nama-PDF. Lokho akusiqedi isidingo sokwahlulela kochwepheshe; kuqinisekisa ukuthi ukwahlulela kuyasetshenziswangaphakathi kohlaka olucacile nokuthi ukucabanga kuyabonakala. Imikhuba ebucayi mayelana nokukala kanye nokuhlala ilungele ukuhlolwa kuphatha ukuthobela njengomphumela wendlela umsebenzi owenziwa ngayo, hhayi njengesinyathelo esengeziwe esengeziwe ngemva kwalokho.
Isicelo Esisebenzayo: Kusukela ku-50 kuya ku-200+ Amacala Asebenzayo
Cabangela inkampani yokwelulekwa ngezikweletu ekhule isuka cishe kumacala angu-50 asebenzayo yaya ngaphezu kuka-200. Ithimba lande, kodwa inkinga eyinhloko iyasebenza: indlela yokuqinisekisa ukuthi zonke izimo zilandelelwa, umbiko ngamunye usetshenziswa ngendlela efanele, futhi ifayela ngalinye liphelele futhi aliguquki.
Yini eshintshayo ekusebenzeni: Ezimweni ezingu-50, ifemu kungenzeka ukuthi ithembele kumeluleki oholayo owazi ifayela ngalinye futhi ogcina isimo kusipredishithi noma enkumbulweni. Ku-200, leyo modeli iyahluleka. Ukunikezwa kwecala kanye nokusabalalisa umthwalo womsebenzi kumele kubonakale: ubani onamacala amaningi ngesikhathi sokuthathwa, ukuhlolwa, isiphakamiso, noma isigaba sokuxoxisana. Imibiko yehhovisi kumele idonswe futhi igcinwe ngendlela ezoyixhumanisa necala elifanele kanye nokuhlolwa okufanele. Lapho isimo seklayenti sishintsha noma umbiko obuyekeziwe ufika, umeluleki udinga ukubona ukuhlolwa kwangaphambilini nedatha entsha endaweni eyodwa, hhayi kuwo wonke ama-PDF namafolda amaningi. Iziphakamiso kanye nezimpendulo zabakweletwayo kufanele zilandelelwe ukuze kungabi nalutho oluphuthelwa futhi ukulandelela kuhlelekile.
Yini engaguquki: Amazinga omsebenzi womeluleki wezikweletu—ukuhlolwa kokuba nezikweletu ngokweqile, ukulunga kwesiphakamiso, ikhwalithi yokuxhumana namaklayenti—ayishintshile. Inhloso yokuphathwa kwe-caseload akukhona ukuhlambulula lawo mazinga kodwa ukuwasekela ngesakhiwo. Lapho idathaibekwe endaweni eyodwa, imibiko iyahlelwa, futhi ukugeleza komsebenzi kwenziwa ngendlela efanayo, abeluleki bachitha isikhathi esincane ekulawuleni nasekusesheni kanye nesikhathi esengeziwe emsebenzini obalulekile. Inkampani ingaphatha amacala amaningi ngaphandle kokucela abasebenzi ukuthi basebenze amahora angafanele noma banqamule imibhalo. Ukuze uthole umbono obanzi wokuthi amathuluzi okuhlola ikhredithi asekela kanjani lolu hlobo lokulinganisa kuzo zonke izindima, bona umhlahlandlela wesoftware wokuhlola izikweletu waseNingizimu Afrika.
Ubani Ohlomulayo Ngokuphathwa Okungcono Kokulayisha Kwekesi
Ukuphathwa kwe-caseload okuthuthukisiwe kuzuzisa abeluleki bezikweletu namathimba okusebenza kumafemu akhulayo. Abeluleki bathola umbono ocacile womthwalo wabo wokusebenza, indawo eyodwa yokufinyelela idatha yeklayenti nemibiko yezikweletu, kanye nenqubo ebhaliwe enciphisa ubungozi bezinyathelo ezigejiwe noma amafayela angahambisani. Bachitha isikhathi esincane bezingela umbiko wakamuva noma behlanganisa izinguqulo zesipredishithi kanye nesikhathi esengeziwe ezingxoxweni zamaklayenti nezincomo ezizwakalayo.
Izisebenzi zokusebenza nabaphathi ziyazuza ngokubonakala kuwo wonke umzila ogcwele. Isimo secala asisancikile olwazini lomuntu oyedwa; ukunikezela nokwabiwa kabusha kuqondile. Uma i-NCR noma umcwaningi mabhuku ecela ifayela, impendulo ingaqoqwa ohlelweni esikhundleni semithombo ehlakazekile. Amalungu eqembu amasha angafakwa endleleni yokusebenza echaziwe esikhundleni sokufunda ngokulandela uzakwethu oyedwa onesipiliyoni.
Ifemu iyonke izuza ngokuncipha okunganciki kumaqhawe. Ukukhula uma kwenzeka ivolumu ingafaniswa nabasebenzi abafanelekile namathuluzi, esikhundleni sokukhula kwamahora kanye nengozi ekhulayo yokuthobela imithetho. Ukuphatha amacala amaningi ngaphandle kokuphatha okwengeziwe kuwumphumela osebenzayo:hhayi isiqubulo sokumaketha, kodwa umgomo wokusebenza ukuthi ukuphathwa kwe-caseload okuphumelelayo kuklanyelwe ukusekela.
Izinyathelo Ezilandelayo
Uma ukuzijwayeza kwakho kuzwa ubunzima bokugcwala kwamakesi kanye nokuphatha ngesandla—amafayela ahlakazekile, imibiko ye-PDF ngeklayenti ngalinye, ukulandelela okusekelwe ku-Excel, noma imibhalo engahambisani—kufanele uhlole kabusha ukuthi amacala aphathwa kanjani kusukela ekuthathweni kuya ekuvunyelweni. Idatha ebekwe endaweni eyodwa, imibiko yezikweletu ehleliwe, nokugeleza komsebenzi okujwayelekile kunganciphisa umthwalo wabaphathi futhi kuthuthukise ukulungela ukuhlola ngaphandle kokuthatha isikhundla sobuchwepheshe bethimba lakho.
Xhumana ukuze ufunde ukuthi idatha ehlelekile yekhredithi kanye nokugeleza komsebenzi okugxilwe kakhulu kungasekela kanjani ukuphathwa kwecala lomeluleki wezikweletu esikalini. Singakuqondisa ukuthi idatha ye-bureau evela ku-Experian, Datanamix, kanye neTransUnion ingadonswa, ihlaziywe, futhi ibhalwe endaweni eyodwa yokusebenza ukuze ithimba lakho likwazi ukuphatha amacala amaningi ngokulawula okuncane.