Lending & Securitization Platform for Easy Digital Loan Origination

Challenge

With the commoditisation of lending and securitisation services and increasing customer focus on experience, it has become increasingly important for banks and NBFCs to use digital technologies to transform their businesses. The biggest challenges to surmount are limited sources of funding and alternate capital pools, that create a liquidity crunch and asset liability mismatch. To meet these requirements and reach newer customer segments, it is necessary to leverage technology, use data and analytics innovatively, and focus on creating a sustainable funding model.

TCS Solution

TCS Lending and Securitisation is a connected and collaborative hub that reimagines lending and securitization, offering consent-based sharing of data in a secure manner which, with blockchain architecture, is made immutable and transparent. The solution offers banks and NBFCs the following features:

Lead management, case management, sales enablement: Offers end-to-end lead management, query-response-complaints, pipeline management, conversational systems to assist sales query resolution using NLP techniques, AI, ML and other cognitive technologies for a seamless experience
Digital onboarding: Accommodates self-service and assisted modes of customer onboarding in a quick and paperless manner
Loan origination and servicing: Utilises the latest technologies for intuitive application creation, ML and statistical scoring and modelling for credit appraisal, and advanced analytical techniques for risk assessment, disbursal and receivables management
Collections: Provides real-time, accurate collection updates, allowing the collection fleet to take timely actions through mobility and web-based solutions
Securitisation: Facilitates the creation of loan books and their segmentation based on various predefined parameters; initiates rating of these pools via credit rating agencies and displays this information to potential investors
Insights: Enables loan portfolio monitoring, servicing and performance management of pool investments

Benefits

Leverages industry-best practices to provide a frictionless, cognitive experience to the customer
Ensures data confidentiality through consent-based, configurable, controlled and secure data access
Is built on a blockchain-based architecture that ensures transparency, auditability, immutability and regulatory compliance
Enhances time-to-market and speed of transactions through seamless collaboration between stakeholders
Provides real-time visibility of the loan book through periodic credence stamping
Ensures appropriate value for loan pools is available to stakeholders in a single solution
Facilitates price discovery through AI/ML-based pricing and risk models
Enables increased focus on core business, freeing up resources through IT-as-a-Service

Where adaptability meets advantage

We deliver excellence and create value for customers and communities.

Discover why customers choose TCS

Upcoming events

Recent recognitions

Want to be a global change-maker? Join our team.

Find the latest news about TCS

Recent News

Global knowledge. Local support

Where adaptability meets advantage

We deliver excellence and create value for customers and communities.

Discover why customers choose TCS

Upcoming events

Recent recognitions

Want to be a global change-maker? Join our team.

Find the latest news about TCS

Recent News

Global knowledge. Local support

TCS Lending and Securitisation

Challenge

TCS Solution

Benefits

Where adaptability meets advantage

We deliver excellence and create value for customers and communities.

Discover why customers choose TCS

Upcoming events

Recent recognitions

Want to be a global change-maker? Join our team.

Find the latest news about TCS

Recent News

Global knowledge. Local support

Challenge

TCS Solution

Benefits

Related reading