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Where adaptability meets advantage

At TCS, we don’t just help businesses transform. We help them become perpetually adaptive enterprises, built to evolve continuously and confidently in a world of constant change.

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    What we do

    Where adaptability meets advantage

    At TCS, we don’t just help businesses transform. We help them become perpetually adaptive enterprises, built to evolve continuously and confidently in a world of constant change.

    Adaptability starts here
    • Industries
    • Services
    • Products and Platforms
    • Research & Innovation
    • Alliances
    • Banking
    • Capital Markets
    • Consumer Packaged Goods and Distribution
    • Communications, Media, and Information Services
    • Education
    • Energy, Resources, and Utilities
    • Healthcare
    • High Tech
    • Insurance
    • Life Sciences
    • Manufacturing
    • Public Services
    • Retail
    • Travel and Logistics
    • Artificial Intelligence and Data & Analytics
    • Cloud
    • Cognitive Business Operations
    • Consulting
    • Cybersecurity
    • Enterprise Solutions
    • IoT and Digital Engineering
    • Network Solutions and Services
    • TCS Interactive
    • Sustainability Services
    • TCS ADD™
    • TCS BANCS™
    • TCS BFSI Platforms
    • TCS CHROMA™
    • TCS Customer Intelligence & Insights™
    • TCS ERP on Cloud
    • ignio™
    • TCS iON™
    • TCS HOBS™
    • TCS Intelligent Urban Exchange™
    • TCS OmniStore™
    • TCS Optumera™
    • TCS Tap™
    • Quartz™ – The Smart Ledgers™
    • TCS TwinX™
    • TCS MasterCraft™
    • Jile™
    • TCS DigiBOLT™
    • TCS AI WisdomNext™
    • TCS Research
    • TCS Pace™
    Where adaptability meets advantage
  • Industries expand here
    • Banking
    • Capital Markets
    • Consumer Packaged Goods and Distribution
    • Communications, Media, and Information Services
    • Education
    • Energy, Resources, and Utilities
    • Healthcare
    • High Tech
    • Insurance
    • Life Sciences
    • Manufacturing
    • Public Services
    • Retail
    • Travel and Logistics
  • Services expand here
    • Artificial Intelligence and Data & Analytics
    • Cloud
    • Cognitive Business Operations
    • Consulting
    • Cybersecurity
    • Enterprise Solutions
    • IoT and Digital Engineering
    • Network Solutions and Services
    • TCS Interactive
    • Sustainability Services
  • Products and Platforms expand here
    • TCS ADD™
    • TCS BANCS™
    • TCS BFSI Platforms
    • TCS CHROMA™
    • TCS Customer Intelligence & Insights™
    • TCS ERP on Cloud
    • ignio™
    • TCS iON™
    • TCS HOBS™
    • TCS Intelligent Urban Exchange™
    • TCS OmniStore™
    • TCS Optumera™
    • TCS Tap™
    • Quartz™ – The Smart Ledgers™
    • TCS TwinX™
    • TCS MasterCraft™
    • Jile™
    • TCS DigiBOLT™
    • TCS AI WisdomNext™
  • Research & Innovation expand here
    • TCS Research
    • TCS Pace™
  • Alliances
  • Who we are

    We deliver excellence and create value for customers and communities.

    Our expert, committed team put our shared values into action – every day. With the best talent and the latest technology we help customers turn complexity into opportunities and create meaningful change.

    Discover the difference
    • Brand
    • Leadership
    • Community
    • Sustainability
    • Inclusion
    • Values
    We deliver excellence and create value for customers and communities.
  • Brand
  • Leadership
  • Community
  • Sustainability
  • Inclusion
  • Values
  • Insights

    Discover why customers choose TCS

    We are a digital transformation and technology partner of choice for industry-leading organizations worldwide.

    Read our customer success stories.
    • Events
    • Analyst Recognition
    • Global Studies

    Upcoming events

    27 Dec 2025 TCS at Guidewire Connections 2025
    01 Dec 2025 TCS at AWS re:Invent 2025
    18 Nov 2025 TCS is a Gamechanger Sponsor of Microsoft Ignite 2025
    View all

    Recent recognitions

    15 Oct 2025 From Technical Liability to Digital Dominance: Plaza Premium Group’s Bold Transformation
    06 Oct 2025 Unlocking the Future: 6G & AI for Telcos
    18 Sep 2025 Emirates NBD Transforms Payments and Reengineers Banking Operations
    View all
    Discover why customers choose TCS
  • Events
  • Analyst Recognition
  • Global Studies
  • Careers

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

    At TCS, we believe exceptional work begins with hiring, celebrating and nurturing the best people — from all walks of life.

    Join us
    • India
    • Americas
    • Asia Pacific
    • Europe and UK
    • Middle East and Africa
    • India
    • Argentina
    • Brazil
    • Canada
    • Chile
    • Colombia
    • Ecuador
    • Mexico
    • Peru
    • Uruguay
    • USA
    • Australia
    • Mainland China
    • Hong Kong SAR
    • Indonesia
    • Japan
    • Malaysia
    • New Zealand
    • Philippines
    • Republic of Korea
    • Singapore
    • Chinese Taipei
    • Thailand
    • Belgium
    • Denmark
    • Estonia
    • Finland
    • France
    • Germany
    • Hungary
    • Ireland
    • Italy
    • Luxembourg
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Spain
    • Sweden
    • Switzerland
    • United Kingdom
    • Bahrain
    • Israel
    • Kuwait
    • Qatar
    • Saudi Arabia
    • South Africa
    • United Arab Emirates
    Want to be a global change-maker? Join our team.
  • India expand here
    • India
  • Americas expand here
    • Argentina
    • Brazil
    • Canada
    • Chile
    • Colombia
    • Ecuador
    • Mexico
    • Peru
    • Uruguay
    • USA
  • Asia Pacific expand here
    • Australia
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    • Hong Kong SAR
    • Indonesia
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    Find the latest news about TCS

    Stay up-to-date on all press announcements by TCS

    Discover more
    • News Alerts
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    Recent News

    16 Oct 2025 NCVET Selected TCS to Develop a Portal Aimed at Democratizing the Vocational Skill Development Ecosystem in India
    16 Oct 2025 TCS and Infineon Partner to Redefine Digital Experience and Accelerate Sales Growth
    19 Sep 2025 TCS Interactive Opens Flagship Studio in New York City to Drive Innovation-led Experiences
    View all
    Find the latest news about TCS
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    Tata Consultancy Services Limited
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    Discover more Q1FY26 Debrief
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    Share TCS Named a Leader in Next Generation Mortgage and Loan BPS for Third Consecutive Year by NelsonHall
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    TCS Named a Leader in Next Generation Mortgage and Loan BPS for Third Consecutive Year by NelsonHall

     

    Tata Consultancy Services’ Experience in Re-engineering, Implementing, and Running M&L Operations, with a Focus on Digital Technology-Enabled Operations, cited as Key Strengths

    LONDON | MUMBAI, January 16, 2019: Tata Consultancy Services (TCS), (BSE: 532540, NSE: TCS), a leading global IT services, consulting and business solutions organization, has been named a Leader for the third consecutive time, in the NelsonHall NEAT for Mortgage and Loan (M&L) BPS Services.[1]

    The report cites TCS’ robust capabilities in implementing and running large scale M&L operations with a focus on delivering digital technology-enabled operations. NelsonHall highlights the company’s long-term engagements as well as its onshore and nearshore delivery presence across the US and Latin America.

    “The mortgage industry is witnessing digital-led shifts, increasing loan costs and stringent regulations. A strategic partner with the right mix of operational and technological capabilities can drive profitable, efficient operations, and boost the speed to market. M&L services help enterprises to enhance the borrower experience and simplify processes across the business value chain.” said K Krithivasan, President, Banking, Financial Services, and Insurance, TCS. “Our recognition as a market leader is a testament to our vision and innovation, differentiated capabilities and offerings, and the resultant market success.

    TCS partners with leading lenders to help them build lean, highly scalable, and customer-centric operations. The company works with over 40 global banks, mortgage providers, and financial institutions to deliver services out of 14 global delivery centers.

    In M&L operations, TCS offers end-to-end services that include sales, processing, underwriting, and closing, research, pre-foreclosure and foreclosure, loss mitigation, bankruptcy, loan modification, data management, and risk management. Customer experience management services include on-boarding, collections, customer service, and analytics.

    Leveraging technology expertise in tandem with the domain knowledge gained over the years, TCS has developed a suite of Digital Mortgage Services, which include:

    • Digital origination: Enables lenders to better cater to potential customers by digitizing and simplifying the loan process.
    • Digital underwriting: Facilitates rapid decision making through a rule-based solution complemented by data digitization.
    • Digital quality control: Reduces the cost of quality control and accelerates cycle time, while improving compliance and operational efficiency through a checklist-driven quality platform.
    • Digital Servicing: Reduces the cost of servicing, while improving service productivity and customer experience, through a self-service capability.

    “TCS has a strong background in M&L BPS engagements and a large customer base. It delivers digital -enabled M&L operations and doesn’t just focus on pure BPS services,” said Andy Efstathiou, Director, Banking Operations & Transformation program, NelsonHall. “TCS’ Business 4.0™ framework, Machine-First Delivery Model (MFDM™), digital-led solutions that cover the entire M&L value chain, and global delivery presence, make it a leader in this space.”  

    “With our deep understanding of the mortgage domain, full services portfolio, continuous evolution of market relevant offerings, and investments in platforms and intellectual property, TCS is well placed to address the needs of the new age lending ecosystem,” added K Krithivasan.

    About NelsonHall

    NelsonHall is the leading global analyst firm dedicated to helping organizations understand the 'art of the possible' in IT and business services with analysts in the U.S., U.K., and Continental Europe, NelsonHall provides buy-side organizations with detailed, critical information on markets and vendors (including NEAT assessments) that helps them make fast and highly informed sourcing decisions. And for vendors, NelsonHall provides deep knowledge of market dynamics and user requirements to help them hone their go-to-market strategies. NelsonHall ’s research is based on rigorous, all-original research, and is widely respected for the quality, depth, and insight of its analysis.

    About Tata Consultancy Services Ltd. (TCS)

    Tata Consultancy Services is an IT services, consulting and business solutions organization that has been partnering with many of the world’s largest businesses in their transformation journeys for the last fifty years. TCS offers a consulting-led, Cognitive powered, integrated portfolio of IT, Business & Technology Services, and engineering. This is delivered through its unique Location Independent Agile delivery model, recognized as a benchmark of excellence in software development.

    A part of the Tata group, India's largest multinational business group, TCS has over 417,000 of the world’s best-trained consultants in 46 countries. The company generated consolidated revenues of US $19.09 billion for year ended March 31, 2018 and is listed on the BSE (formerly Bombay Stock Exchange) and the NSE (National Stock Exchange) in India. TCS' proactive stance on climate change and award winning work with communities across the world have earned it a place in leading sustainability indices such as the Dow Jones Sustainability Index (DJSI), MSCI Global Sustainability Index and the FTSE4Good Emerging Index. For more information, visit us at www.tcs.com.

    TCS Media Contacts

    Asia Pacific

    Email: Sean.davidson@tcs.com

    Phone: +65 9139 3668

    Australia and New Zealand

    Email: Kelly.ryan@tcs.com

    Phone: +61 422 989 682

    Benelux

    Email: Joost.galema@tcs.com

    Phone: +31 615 903387

    Central Europe

    Email: anke.maibach@tcs.com

    Phone: +49 172 6615789

    Europe

    Email: ashish.babu@tcs.com

    Phone: +31 611 531246

    India

    Email: vivek.padiyar@tcs.com | arushie.sinha@tcs.com | shamala.p@tcs.com

    Phone: +91 226778 1121 | +91 22 6778 9960 | +91 22 6778 9081

    Japan

    Email: douglas.foote@tcs.com

    Phone: +81 80 2115 0989

    Latin America

    Email: martin.karich@tcs.com

    Phone: +569 6170 9013

    Nordics

    Email: mattias.afgeijerstam@tcs.com

    Phone: +46723989188

    UK

    Email: peter.devery@tcs.com

    Phone: +44 20 3155 2421

    USA / Canada

    Email: b.trounson@tcs.com

    Phone: +1 646 313 4594

    Email: tia.thomas@tcs.com

    Phone: 647 203 4035

    [1] Next Generation Mortgage and Loan (M&L) BPS 2018, NEAT analysis, NelsonHall, October 2018

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