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Lending
Lending and Leasing is a specialised business vertical in BFSI space having an array of solutions with underlying technology and digital prowess

Lending

Across the globe, lending is the most disrupted business with numerous technology innovations. Traditional banks are facing tremendous competition from fintechs nimble solutions with low code base, ease of maintenance and cloud adoption. Traditional business process models built around existing legacy applications also acts as a major impediment towards sustainable growth. Banks are competing with new age lenders to provide better customer experience and enhanced customer engagement. Rise of millenials with latest digital technology adoption and purchsing power is providing an opportunity for lenders who can deliver innovative and nimble solutions:

Peer to Peer lending, Lending As as Service (Origination, Collcetion and Loan Management), Cloud Lending, Applcation modernisation, digital transformaton, Mobile only challenger platforms are some of the new trends in lending business.

What We Do In Lending

Lending and Leasing is a specialised business vertical in BFSI space with an array of solutions with underlying technology and digital prowess-

  • Retail Lending and Leasing

    Originate and service the loans and leases more quickly and efficiently while minimizing risk to your lending operations. Whether you're a high-volume originator or loan servicer, community bank, credit union or captive auto lender, our solution provides excellent customer value and minimizes organizational risk. The solution allows you to react more quickly to changing markets and consumer expectations.

  • Commercial Lending

    Commercial Lending systems provide better insight of fund and non-fund based lending services for corporate customers. Fund utilization is controlled through better administration of drawing power- leading to better collateral, covenant and document management.

Tech Mahindra offers end- to- end solutions in Lending covering Retail, Corporate and Leasing businesses. We have built and delivered solutions across lending value chain including Customer On-boarding, Loan Origination, Adjudication, Servicing and Collections. We have built solutions to cater Pre-delinquency analytics. We offer Platform as a Service for Loan Servicing and Collections for both retail and corporate customers. We have modernized Legacy Lending Application in terms of enhancing customer experience, providing innovative and nimble customer journeys. We support and maintain applications from our ODC’s for Tier 1 clients and deliver innovative solutions. We work with leading Fintech’s and established OEM’s to deliver niche solutions in Lending & Leasing.

Solution Offerings

Some of the Lending Industry specific innovative solutions developed by Tech M include:

  • Digi-Mortgage

    Digi-Mortgage is one of the major initiative for Real Estate Secured Lending and the aim is to create a solution that provides best-in-class customer experience during the entire end-to-end mortgage application process.

  • Loan Origination for Retail Lending

    Retail lending Loan origination enabling straight through processing for quick loan approvals.

  • Loan Collections

    Loan collections solution from Tech-M based on Pega platform provides lenders the ability to engage customers with personalized, responsive service while accelerating collections rates, ensuring compliance and reducing operational costs.

  • Pre-delinquency Analytics

    Aanalytics solutions for pre-delinquency using internal and credit bureau information to cater challenges

  • Lending Platform as a Service – Target

    Lending platform automates complex and critical processing, servicing and administration of loans, investments and insurance. The platform helps deliver high quality services with built-in compliance for a highly complex and regulated environment.

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