Digital Platform for Corporate Loan Processing and Backoffice Automation

The client faces complex integration requirements and high expectations for flexible, efficient credit processes tailored to SME and corporate customers. Manual and siloed systems hinder streamlined operations, risk management, and customer experience.

A mid-sized bank offering a range of retail and corporate banking products seeking to improve its corporate lending and backoffice operations.

• Develop ergonomic, intuitive tools for Relationship Managers, Credit Analysts, Risk Managers, and Back Office staff to facilitate their daily tasks.
• Automate end-to-end credit processing workflows to improve efficiency and reduce manual intervention.
• Integrate multiple existing systems covering sales, risk management, procurement, settlements, and complaint handling into a cohesive platform.
• Enhance system flexibility to support tailored credit processes for diverse corporate and SME customer needs.
• Improve processing times, aiming for faster approvals and risk assessments.

• User-friendly interfaces for Relationship Managers and Credit Analysts to manage loan applications, approvals, and monitoring.
• Automated credit decision workflows with configurable rules to support diverse credit products.
• Integration with existing core banking, procurement, settlement, and complaint systems for data consistency.
• Risk management dashboards and real-time monitoring tools for risk assessment and compliance.
• Workflow automation for postsales processes, including risk monitoring, operational tasks, and client communications.
• Configurable modules to support the unique requirements of corporate and SME lending processes.

• Core banking systems for customer and account data
• Risk assessment and scoring engines
• Procurement and settlement systems
• Customer relationship management (CRM) tools
• Complaint management platforms

• High availability with 99.9% uptime
• Scalability to handle increasing transaction volumes and user load
• Robust security measures compliant with financial industry standards
• Performance targets ensuring loan processing within predefined timeframes
• User accessibility across devices with responsive UI

Implementing this integrated digital platform aims to streamline the entire corporate loan lifecycle, reducing processing time by up to 50%, minimizing manual errors, and enhancing risk visibility. The system is expected to support increased lending volume, improve user satisfaction among staff, and ensure compliance with regulatory standards, ultimately contributing to greater operational efficiency and customer satisfaction.