Contract Management System



Profitably manage and maintain lease and loan agreements from their start to their conclusion

The CALMS back-end is a sophisticated platform for managing the full lifecycle of contracts from activation through to settlement, maturity and renewal, and uses powerful tools for the full range of contract administration activities:

  • Account review and query handling
  • Contract changes (financial and non-financial amendments, restructures, transfers, extensions, cancellations, reinstatements, etc.)
  • Billing and accounting (with support for various income spread methods)
  • Maturity and termination (early settlement, hostile termination, etc.)
  • Collections and arrears management
  • Asset disposal
  • Integration with General Ledgers, Credit Reporting, MI and Asset Management Systems

As well as all CALMS products, the Contract Management System (CMS) can be seamlessly integrated with any other appropriate credit finance solution.

For maximum operational agility, enabling greater flexibility in a world of constantly evolving technologies, CALMS CMS is separated into two strategic components:

  • InLife servicing (user-interaction layer): portal-style contract management services, tracking all interactions with the back-end, with sophisticated case-management capabilities.
  • Contract management engine (transaction execution layer): rock-solid administration management for rigorously accurate, complete and consistent financial data.

InLife Servicing

This component provides all the tools necessary to profitably manage and maintain lease agreements during their lifetime. Customer snapshots, powerful case management with workflow, and full support for all the usual back-office transactions are provided within a single, fully integrated environment.

There is an additional, specialized component for fleet administration and maintenance, and a complaints-management sub-module is also available to ensure compliance with consumer legislation. This module has been developed to provide customer service excellence and efficient in-life management of a comprehensive range of fleet services including:

  • Automated Road Tax Management
  • Roadworthiness Inspection Processing
  • Manufacturer Recalls
  • Automated Taxation Processing
  • Fines Management
  • Driver Management
  • End-of-Contract Management
  • Customer Service Request Management
  • Diary Management

Contract Management Engine

This component provides all the tools required for easy configuration of financial products, complete and flexible end-to-end contract lifecycle processing, with highly comprehensive interfaces to industry-standard General Ledgers, Credit Reporting Agencies and Asset Registers. 

White Clarke CALMS Diagram

CALMS at a glance

For more detail on any aspect of CALMS, please contact us today

Outsourcing and Hosting
Cost-effective, flexible and secure alternatives to traditional in-house managed applications.


  • Customer self-serve and mobile portals: enabling customers to access and update their account from wherever suits them
  • Customer and business partner management: enabling a “single view of the customer” for operational and customer service teams, by assembling a centralized database from both your legacy internal systems and CALMS
  • Full view of customer, contract and asset(s)
  • Comprehensive transactional detail and accounting   
  • Real-time processing
  • ‘Google Style’ account search feature
  • Support for a broad range of financial products
  • Modular structure
  • Integrated collections module
  • Integrated case management


  • In-life and Customer Service cost improvement by up to 33%
  • Account search and overview features allow operators to deliver fast and accurate service
  • Configurable collections strategies focus collections staff time efficiently
  • Flexible component based structure allows staged implementation or integration with existing client components
  • Self-service and IVR components reduce call volumes
White Clarke CALMS Diagram

CALMS at a glance

For more detail on any aspect of CALMS, please contact us today

Outsourcing and Hosting
Cost-effective, flexible and secure alternatives to traditional in-house managed applications.

We were very pleased with White Clarke Group's engagement.
Not only did they provide a feature rich end-to-end solution but also fully engaged in all aspects of the project, delivering the project within a very aggressive timeline. Vince Bilotto, IT Manager, Kubota Australia Finance

The White Clarke Group product offers all the functionality and flexibility we need to keep developing new market-leading products. It also gives us a proven platform for growth. Phil Baranski, Group Credit Risk, Bendigo and Adelaide Bank

We now enjoy significantly improved data security and can monitor performance so much better. Bottom line, we can manage risks more effectively than ever before. Alexander Müller, Heidelberg Print Finance International GmbH, Germany

A partner with experience and credibility, who had a certain scale, and who had the stature to come to us and challenge our thinking. Nick Ockwell, CIO, Exeter Finance Corp

Our intention is to drive growth through in the dealer wholesale funding space, so we need to be sure we have the best possible technology in place to support our ambitions. Peter Turnbull, CIO, Bank of Queensland Finance

We’re very pleased with White Clarke Group’s execution of this project. We wanted to move fast and with the leadership of White Clarke Group the project was completed successfully on schedule in just four months. Bill Besgen, President, Hitachi Capital America

White Clarke Group's major strengths include deep industry knowledge and good quality people.
They are also the only vendor in the market able to offer such an SAP-compliant CMS solution which gives us a clear business advantage. Dieter Bornemann, IT Director, Volkswagen Financial Services

The team at White Clarke Group has managed to gain our confidence through their competence and expert knowledge. For this reason we have decided to align our future strategy with White Clarke Group. Günter Strobl, CIO, Raiffeisen Leasing

Creating a greenfield retail finance operation, completely from scratch in just nine months from concept to completion, was a remarkable achievement. It is testimony to White Clarke Group’s deep expertise in this sector. Martin Thomas, Managing Director, FGA Capital

White Clarke Group's level of support and expertise and professionalism was nothing short of brilliant. Both the team and their CALMS solution have absolutely delivered on their promises. We look forward to a continuing partnership. Wayne R. Cook, Community Savings Credit Union

White Clarke Group is a very flexible, adaptable company to deal with - prepared to work around what we wanted, rather than presenting a fait accompli. That sums up their ethos. Steve Gowler, Managing Director, Nissan Finance

Technology is a key consideration for a dealer when selecting a finance partner. White Clarke Group's CALMS provides a clever dealer/finance company interface that makes the process of managing inventory extremely simple. Paul Arthur, Head of Motor, Bank of Queensland Finance

EBV is very pleased with White Clarke Group and their success on the SEPA project. Maik Skottke, Head of IT, EBV-Leasing Gesellschaft m.b.H Co. KG (Erste Bank)

We’re excited to be able to offer this new program to Yamaha dealers and believe that our new relationship with White Clarke Group is an integral component of this new program.
Leone Foxwell, National Manager Inventory Finance, Yamaha Motor Canada

It is good to work with a company of professionals who really understand the intricacies of the leasing sector, as well as being sensitive to the cultural changes necessary when entering a new marketplace. Nic van Meir, Director eBusiness, LeasePlan Corporation

White Clarke Group's consultative approach has helped us to set industry standards and build a sound platform for our future business developments. Graham Wheeler, Managing Director, Volkswagen Financial Services

CALMS is completely web-based which gives us the significant advantage of making changes to it ourselves. Being able to configure the system internally gives us that all-important speed to market. Brian Williams, Commercial Director, FGA Capital