Commercial Banking BPO | Banking BPM

Co-creating Agility and Growth in Commercial Banking

Rising costs, growing customer expectations for personalized products and services, and the emergence of digital disruptors have increased the urgency for commercial banks to re-invent operating models. The right tools and agile partners are more important than ever to drive efficiencies, elevate customer experience and gain a competitive advantage.

WNS’ commercial banking services combine deep domain knowledge with strong analytics and digital expertise to realize unprecedented operational efficiencies. Our suite of front, middle and back-office services coupled with cutting-edge transformational solutions enable cost efficiencies, superior customer experience and reduced risks for key commercial banking operations.

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Digital-first Services

Our comprehensive digital-first offerings provide insights to drive customer centricity and revenue growth while ensuring scalability and compliance.

Commercial Loan Operations

Powered by a suite of automation and Artificial Intelligence (AI)-led solutions, we deliver flexible and responsive operations, and enable superior customer experience at optimized costs in the areas of:

Loan closing & documentation
Credit control & monitoring
Post-closing review
Client servicing
Reporting

Commercial Credit

We cover the end-to-end lending value chain, from origination to underwriting to portfolio monitoring activities such as Commercial and Industrial (C&I), and Commercial Real Estate (CRE). It includes specialized portfolios such as leveraged lending, asset-based lending, equipment financing, syndicated, acquisition financing and counter party. Our offerings in underwriting include business, finance and structural risk profiling (risk rating, rationale and recommendations), capital structure analysis and debt trajectory analysis.

Trade Finance

We cater to traditional trade finance requirements through key offerings in front, middle and back-office services supported by cognitive and Robotic Process Automation (RPA)-led solutions. It includes:

Import Letter of Credit (LC) and documentation: Issuance, amendments, cancellations, reinstatement, document checking, bookings & payments, settlements & reconciliations
Export LC and collections: Inward collection acceptance & payments, outward collection presentation, acceptance and payments
Guarantee: Issuance, amendments & cancellations, Standby Letter of Credit (SBLC), claims registering & settlements
Financing: Supply chain financing, invoice discounting & visualization, factoring, forfeiting
Client servicing

WNS Advantage

Domain Expertise: Our teams have expertise in debt finance, asset-based lending, trade and export finance, asset finance, and project and infrastructure finance. With extensive experience in global commercial credit underwriting, we are well placed to co-create significant value with banks and help them adapt to the imperatives of the new normal.

Digital and Analytics Capabilities: By leveraging intelligent automation, leading-edge technology solutions, advanced analytics and in-depth process expertise, we enable banks to accurately forecast cash flows, map default probabilities, and understand risks and their impact on performance. Our training modules and platform-based approach increase accuracy and shorten turnaround time.

Flexible Commercial Models: Our outcome-based commercial and delivery models enable us to invest in end-user driven customer innovation processes and technology improvements. We have offshore, nearshore and onshore formats to deliver optimized services cost-effectively.

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