Commercial Lending and Leasing

Small Business Loans

Generating Banking Impact

Genpact business lending group caters to banks & financial institutions who lend to the businesses with loan size up to US $5 million including small business loans. Our experience is in serving all types of business loans – term loans, working capital loans, merchant cash advances, account receivable finance, line of credit etc. Our deep experience comes from serving global clients & managing their operations across front, middle & back office of the loan cycle i.e. starting from application input to a payoff of a loan. Apart from traditional lenders in business lending, we also serve the new age Fintech who compete with banks on customer experience centered on digital technology.

Solutions

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Our solutions for business lending is targeted to transform credit operations with the goal of enhancing customer experience through digital, technology & analytics. Our proprietary platform Grade or Genpact Risk Assessment Delivery Environment is a battle-tested platform with modular pre-integrated components for the loan origination processes starting from the point-of-sale and extending into risk assessment, on-boarding, document generation, booking, collateral tracking, and tickler management. The best-of-breed components pre-integrated into GRADE enable rapid adoption of workflows and rules to changing business environments, with audit and compliance engineered into the underlying infrastructure.

Our transformation services have helped banks & financial institutions re-engineer their originations & closing process thereby reducing the credit decision cycle time and time to close, which has a direct impact on customer experience thereby increasing the deal conversion rate. Further, we embed analytics in our solutions that provide business insights to our clients and help them make a business decision, which has resulted in increased lending volumes through insights on prospecting and have also helped prevent losses through analytics based collection strategies.

Impact

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