Asset-based Lending

Bespoke Asset based lending solutions driving ROI

Asset-based Lending Support for Financial Institutions

With over 18 years of experience in delivering credit research and analytics services, Acuity Knowledge Partners (Acuity) has built robust expertise in Asset based lending (ABL) services. We have strong credentials in ABL outsourcing space including ABL software transition support, across the credit analysis value chain, helping banks to centralise, standardise and digitise processes.

With the values of underlying collateral changing constantly, we understand that ABL portfolio monitoring, although time-consuming, is extremely important. We have domain expertise in independently monitoring ABL portfolios in a timely and structured manner. Our domain experts aim to identify early-warning triggers and discrepancies in borrowing bases and collateral reporting to minimise exposures at risk.

What we have delivered annually

10,000

borrowing base determination

4,000+

quarterly/annual reviews

4,000+

financial spreads

6000+

collateral analysis

How we are different

COMPREHENSIVE AND FLEXIBLE ASSET-BASED LENDING SOLUTIONS
COMPREHENSIVE AND FLEXIBLE ASSET-BASED LENDING SOLUTIONS

Custom support solutions to cater to the specific needs of ABL lenders, ranging from end-to-end underwriting, portfolio monitoring and document management to providing dedicated support for specific areas such as collateral analysis and technology tool transitions

SELF-SUSTAINING CUSTOMISED WORKFLOWS REQUIRING MINIMAL OVERSIGHT
SELF-SUSTAINING CUSTOMISED WORKFLOWS REQUIRING MINIMAL OVERSIGHT

Expertise in designing workflows that require minimal to no follow ups from stakeholders, freeing up ABL lenders’ valuable time and allowing them to focus on revenue generating activities and adding value for their customers

FINANCIAL SERVICES DOMAIN EXPERIENCE
FINANCIAL SERVICES DOMAIN EXPERIENCE

18 years of research and analysis experience, working with 350+ financial clients globally as a best-in-class KPO firm

CREDIT PEDIGREE IN ASSET BASED LENDING
CREDIT PEDIGREE IN ASSET BASED LENDING

Market leader in credit analysis support, with best practices developed through 80+ client engagements; experience across loan books and complex lending products

TECHNO FUNCTIONAL CAPABILITIES
TECHNO FUNCTIONAL CAPABILITIES

Subject matter experts with proven credentials and ability to help ABL organisations transition to technology-based tools and customise them to suit lender needs

SCALABLE PARTNER
SCALABLE PARTNER

Strong track record in scaling client engagements for tasks across the lending value chain. Ability to utilise strategic delivery locations and strong recruitment functions for ABL Outsourcing

What we have done

Support for Consulting and Corporate Firms
Asset based lending portfolio transition and monitoring for a top-3 UK bank
What we are proud of

40%

reduction in overdue

1,500+

borrowing-base spreads

Customer testimonials

“It was a pleasure to meet you in person and to make so much progress on the Stucky implementation! Thank you for making the journey to New York. I truly appreciate all your contributions to the process. You were critical to the success of the training and are critical to the success of the Stucky implementation. Please highlight any concerns/issues as they arise. I value your opinions and contributions.”

Vice President, US ABL

Bulge-bracket bank

“I really appreciate working with my teammates at Acuity – the dialog is robust, the accuracy is first-rate, and the timeliness is fantastic. Most recently, I have got really good support on annual reviews and spreads. The service I receive has been terrific – very quick responses, thoughtful insight and color in the analysis, and great questions whenever clarification is needed. I am grateful for the opportunity to work with Acuity. They are invaluable given the portfolio sizes we manage.”

Senior Portfolio Manager, ABL

Top US regional bank

“The team is very responsive and the work is accurate. The team is top-notch in terms of responsiveness, as they behave like a very interested party in our business. Very responsive, and I do not know what I would do without the Acuity team. The team is valued by me immensely. I would not be able to complete my work without them. Keep up the good work!”

Senior Portfolio Manager, ABL

Top US regional bank

Meet our experts

Subhrojyoti Mandal

Director, Commercial Lending Services

Subhro has been with Acuity Knowledge Partners for over 8 years. He has 15+ years of extensive experience in credit analysis in the lending, counterparty and credit research domain. Subhro manages transition of new clients encompassing the credit analysis function across different lending lines of business. He has extensive work experience in banking products, process and systems across the lending value chain for global as well as regional corporate and commercial banks. He holds a Master of Commerce degree from Calcutta University.

Subhrojyoti Mandal
Subhrojyoti Mandal

Director, Commercial Lending Services

Rajul Sood

Senior Director, Commercial Lending Services

Rajul heads the commercial lending practice at Acuity Knowledge Partners and has been with the firm for over 15 years. She is responsible for strategic planning, delivery oversight and management, quality assurance and supporting the innovation and technology initiatives in Lending. Rajul has extensive experience in investment banking analytics and commercial lending research services. Apart from banks, the teams she oversees also have in-depth experience in working across different lending products, processes and systems for Fortune 100 companies, SMEs and real-estate businesses. She holds a Master of Finance and Control, and a Bachelor of Commerce from Delhi University.

Rajul Sood
Rajul Sood

Senior Director, Commercial Lending Services

Pedro Armstrong

Senior Director, Head – Commercial Banking and Asset Management Business Development

Pedro Armstrong is a Director at Acuity Knowledge Partners and leads business development efforts in the Americas for the Corporate and Commercial Banking, Buy-side, and Sell-side segments. He is responsible for managing key client engagements and works in partnership with capital market firms to provide customized solutions across research and analytics support, origination and lending support, and marketing and compliance support. He has been with the organization for 12 years, serving in various roles across Sri Lanka, Costa Rica, and now the US. Prior to joining Acuity Knowledge Partners, he was a Central Bank Regulator at the Central Bank of Barbados. Pedro, who is a British Chevening Scholar, holds a Master’s degree (honors) in Banking and International Finance from Cass Business School, City University, London.

Pedro Armstrong
Pedro Armstrong

Senior Director, Head – Commercial Banking and Asset Management Business Development

Balaji Ramakrishnan

EMEA Head – Banking & Asset Management

Balaji Ramakrishnan leads Europe and Middle East business development for Acuity. Having spent his formative years in core banking technology operations, he brings a deep understanding of credit processes and the ability to make analytics-driven decisions. He works closely with senior client stakeholders as a trusted partner, shaping the business case for scaled efficiencies through centralisation, standardisation and intelligent automation within Commercial Lending and Asset Management verticals.

Balaji has established long-term partnerships with banks, asset managers and insurance firms across a number of front and middle office transformation initiatives over the past 20 years. Prior to Acuity, he worked at Accenture and Oracle, serving European financial services clients. He holds an MBA from the London Business School.

Balaji Ramakrishnan
Balaji Ramakrishnan

EMEA Head – Banking & Asset Management

Marie Filotti

Head, APAC Business Development

Marie Filotti heads APAC Business Development at Acuity Knowledge Partners and is based in Hong Kong. She joined the firm in 2018 after 13 years in Investment Banking and Capital Markets, mainly at Nomura (previously Lehman Brothers), and also worked on the corporate side, having run Investor Relations at a China-based ASX-listed gas company. She uses her experience in the industry to advise our clients on best practices in implementation of engagements across all sectors. Marie holds a BA from Yale University and a Masters in Finance from Sciences-Po Paris.

Marie Filotti
Marie Filotti

Head, APAC Business Development

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