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Banks need to enable seamless data flow and minimize manual effort to improve efficiency and customer experience while reducing cost. They must graduate from legacy systems to digital lending, deploying next-generation loan management software and commercial lending solutions. Finding the right partner with technology, operations and domain expertise is key to this transformation. Processes have to be redesigned, opportunities right-shored, turnaround time reduced and the change managed.


TCS Commercial Lending offers end-to-end lending lifecycle management, perfected over 15+ years across multiple geographies. The integrated solution helps banks and financial institutions improve processes, comply with regulations and manage risk. The offering supports an array of financial products and activities covering:

  • Origination
  • Servicing for SME
  • Business banking
  • Corporate and institutional clients

The digital solutions under TCS Commercial Lending include

  • Digital loan origination and risk management
  • Cognitive automated financial spreading using OCR and ML
  • Automated data extraction and cognitive payments
  • Workflow manager

Domain consulting service for IT and operations-led transformation covers business analysis, BPM, consulting, and analytics & insights. The digital lending offering also includes comprehensive change management, including testing and enterprise support.


  • Up to 30% reduction in operational cost by right shoring, more savings with other features
  • 20% increase in productivity using email manager and from right-skilled, cross-trained staff 
  • Up to 50% improvement in loan disbursement turnaround, thanks to improved processes 
  • Reduction in risk exposure, greater control
  • Up to 95% reduction in customer complaints through digitization
  • Regulatory compliance using analytics-based modelling, robust governance practices 
  • 50% productivity gain by deploying workflow tool and standardizing financial spreads 
  • Unmatched TCS capability to bring about transformational changes

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