Commission
Commission Setting shows the rules the system uses to work out commissions: who gets paid, how much, and into which wallet. It is for reference only. Nothing can be changed on this page; to change a rule, contact the system administrator.
A change to a rule only applies to commissions worked out after the change. Commissions already worked out keep the values they were worked out with.
To open it: in the left menu, click Setting > Commission.
Permissions
Set in Role & Permission:
| Item | Permission |
|---|---|
| Commission menu and page | Commissions > View |
Each card is one bonus.
- Bonus name.
- Code and status: the bonus's code, and Active when it is in use.
- Rule: the percentages or amounts of the bonus. What is shown depends on the bonus, for example Percent by rank, Fixed amount, Amount breakdown or KPI thresholds.
- Wallet distribution: the wallet the bonus is paid into, for example Commission Wallet (cw), Cash Wallet (mw) or Points Wallet (pw).
How a case's commission is worked out
When a case is fully paid, the system works out its margin: the amount to share out. It then pays the bonuses below in this order. Each bonus is paid out of what is left of the margin. Whatever is left at the end is kept by the company (Company Retained).
| Bonus | Who gets it | How much |
|---|---|---|
| Customer Points Give | The customer | Points, worked out from the approved loan amount. Paid into the Points Wallet |
| Relationship Agent Distribution | The deal maker, and the IMS pool | 25% of the margin to the deal maker, less any Sales Admin Upfront already paid; 10% to the IMS pool (see IMS Pool Report) |
| Relationship Agent Ranking Distribution | Up to 3 uplines of the agent | 10% each to the 1st, 2nd and 3rd upline. A Relationship Manager can earn from level 1, a Lead R.M. from levels 1 to 2, a Group R.M. from levels 1 to 3 |
| Referral Commission | The customer who referred the customer | A share of what is left, by the referrer's rank: Bronze 20%, Silver 22%, Gold 25%, Platinum 27%, Diamond 30%. Paid into the Cash Wallet |
| Close Case Bonus | The agent who handles the case | 100% of what is left |
If the case is handled by a sales admin instead of an agent:
| Bonus | Who gets it | How much |
|---|---|---|
| Sales Admin Upfront Payment Bonus | The sales admin | Paid when the case is created. RM 200 on Probation. On Confirmation or Lead, the product's sales admin commission |
| Sales Admin Lead Bonus | The sales admin's leader | A fixed amount, RM 1,000 |
Each part only applies if the case's product allows it. If a product allows none of them, the whole margin is kept by the company.
COP bonuses
| Bonus | Who gets it | How much |
|---|---|---|
| COP Runner Bonus | The runner | RM 100 when their photos are approved |
| COP Subsales Caller Upfront | The subsales caller | RM 200 when the COP deal is completed. Taken off their final share |
| COP Subsales Bonus | The subsales team | When the case linked to the COP is fully paid: caller 15% (RM 200 on Probation), subsales owner 25%, tele-lead 10%. The company keeps the rest |
See The COP process.
IMS bonuses
Each month, the IMS pool is shared out when an IMS Processing KPI batch is disbursed (see IMS Processing KPI).
| Bonus | Who gets it | How much |
|---|---|---|
| IMS KPI Bonus | Everyone with a KPI score in the batch | 70% of the pool, shared equally, then scaled by the score: 100% at 84 and above, 60% at 60 to 83, 40% below 60 |
| IMS Lead Bonus | The team leads | 10% of the pool amounts from their team |
| IMS Owner Bonus | The team owners | 20% of the pool amounts from their team |
| IMS Company Retained | The company | Whatever is not paid out |
Other bonuses
- Upfront Fee Bonus and Penalty Bonus: the wallet for special commissions.
- Yearly Bonus: paid into the Annual Bonus Wallet. The rules are on the Yearly Bonus page.
- Base Rate and Company Retained: labels only, with no values to set.
Some cards show their rule in a confusing way at the moment:
- Close Case Bonus shows "Client Associate 100%". It means the agent who handles the case gets 100% of what is left.
- Relationship Agent Distribution shows "#DEAL_MAKE 25%" and "#IMS_PROCESSING 10%": the deal maker's share and the IMS pool share.
- COP Subsales Bonus shows codes such as "#subsales_caller_percent 15%": the caller, tele-lead (lead) and subsales owner (owner) shares. The company percentage shown is not used; the company keeps whatever is left.
- Sales Admin Upfront Payment Bonus shows RM 400 for Confirmation and Lead. Only the Probation amount is used.