Our Services

Shield Mercantile's core business is debt recovery services for banks and financial institutions. Our commitment to this industry has enabled us to develop a high level of experience ensuring we deliver the highest standards of service to our clients.

The service we offer to clients is in the primary, secondary, tertiary, legal and debt reserve recovery programs.

• Consumer Personal Loans
• Consumer Credit Cards
• Business Loans
• Business Credit Cards
• Home Lending
• Business Leasing
• Personal Leasing
• All aspects of Automotive Finance

Service level guarantees

We include the following service level guarantees:

• Compliance with all relevant State and Federal Acts, for example, Privacy Act, Competition and Consumer Act and National Consumer Credit Protection Act
• Where the primary debt collection function has been performed effectively we expect to recover between 8% and 12% annually and in some cases to over 20%
• Complaints will not exceed 0.001% of all accounts downloaded
• Files will be actioned within 24 hours of being downloaded onto our system
• Electronic reconciliations provided within 3 working days of close off dates for end of month reporting.
• Commissions remitted as requested by the client, usually weekly or monthly accompanied by the appropriate report.
• One off requests for reports and other information will be addressed immediately and response times within 48 hours

Shield Mercantile is equipped with the latest version of the Collect! Credit and Collection system supplied by Comtech Systems Inc.

Collect! automates and streamlines collection, administration, reporting, letter writing and accounting functions. Collect! can develop and adapt as our business needs change. We can define your own business rules and automate our operation to maximize profit and work flow with Collect!. Over 1200 companies in 35 countries manage billions of dollars in receivables daily using Collect!.

The system operates on RDM® Server 8.0 by Raima. RDM® Server is a powerful, cross-platform, small footprint database designed for server applications with demanding performance requirements. RDM® Server meets the needs of competitive businesses and embedded applications by offering a feature rich and scalable data management solution.

With its highly flexible plug in model combined with features like data replication, in-memory support, and data encryption, RDM® Server has become the number one choice in many carrier grade applications needing a high degree of fault tolerance and reliability. Designed not only for fault-tolerance, but also for real-time processing RDM® Server has unique features to ensure fast real-time transaction processing.

This computer system is supported by an on-site server providing hot-online backup, a daily tape-backup and an off-site server (data risk) that backs up data each evening.

Inter-company communication is supported by a local area network hosted by Telstra. This facility is state-of-the-art in terms of IT functions and allows maximum flexibility with minimum risk in terms of natural disasters and security.