Lending Operations

Bespoke Lending Operations support for improved efficiency and client experience


The commercial lending landscape is fast evolving. Demand for quicker decisions in lending, increasing competition and pressure to reduce the cost-to-serve ratio have led global financial institutions not only to transform their business, but also to run lean and highly efficient operations through a scalable and centralised delivery model.

At Acuity, we offer bespoke, best-in-class solutions by fully understanding business needs. We help financial institutions centralise, standardise and optimise loan and treasury operations so they can formulate high-quality business operations frameworks and increase overall speed to market.

Support We Offer in Lending Operations

What we have delivered annually


loan-servicing widgets


collateral perfected and booked


forgiveness loans reviewed


documents managed

Customer Testimonials

Thank you so much for your help over the past week with the SBA PPP deals. We could not have made this much progress without your help. At this time, the team can shift its full attention back to the core portfolio activities. Please share this with all who are assisting.

Head of SBA, BB, and MM Portfolio Monitoring

Leading US Regional Bank

Nice chatting with you again this morning. I genuinely appreciate and value the great work that our Acuity team in India performs for the bank. I continue to ask them to do more challenging type of work and they continue to rise to the occasion. My division would genuinely be struggling without the high quality of work that they perform for us. Really nice to have them on my team.

Executive Vice President, Credit Services Divisional Director

West Coast Bank

I am impressed by how nicely the reporting is designed and organized. I have reviewed the cases completed so far and think they have been completed very well. I could clearly see that each document had been reviewed and notes with result. Great job so far on the PPP project, well done!

Centralized Portfolio Monitoring Manager, Centralized Portfolio Services

Top West Coast Bank

Automation and workflow management platforms

Engagement management solution

BEATFlow is an easy-to-onboard and adaptable workflow management system. It provides a quick and clear view of the ongoing activities

Engagement management solution

Proprietary engagement management solution

How we are different


Comprehensive support across the value chain (client onboarding and fulfilment, document preparation, loan servicing, collateral management and closing segments)


19 years of extensive experience gained from working with 350+ financial clients globally as a best-in-class KPO firm


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


Flexible staffing model to support project requirements and to scale up and down based on demand dynamics and seasonal factor


Our domain-driven suite of Business Excellence and Automation Tools (BEAT) ensures efficiency across the lending value chain

What we have done

Support for Consulting and Corporate Firms
Collateral and limit management: Exposure monitoring for US commercial bank
What we are proud of


adherence to credit policies


reduction in collateral management costs

Support for Consulting and Corporate Firms
Augmenting support across the treasury lifecycle for US regional bank
What we are proud of


reduction in costs


reduction in operational risk

In the News

Acuity Knowledge Partners rolls out consumer lending tech for banks
Read More
“Offshoring and centralizing to transform the front office”
Read More
Global Banking & Finance Review
“Credit analysts evolve to facilitate deals in pandemic era”
Read More
Our perspective on Lending Operations
Is your lending organization “credit fit” for the 2025 landscape? Webinar
Is your lending organization “credit fit” for the 2025 landscape?

......... Read More

US political risks elevated – midterms ahead Blog
US political risks elevated – midterms ahead

The White House needs a ..... Read More

The US stimulus package and its impact on the global economy Blog
The US stimulus package and its impact on the global economy

On 11 March 2021, Presid..... Read More

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
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
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
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
Kaushik Biswas

Director, Business Development, Middle East

Kaushik Biswas is a Director with Acuity Knowledge Partners, managing strategic client relationships and exploring new opportunities across the Middle East region. He joined the business in 2005, and is based in our London office with frequent travels to the region.

He has been with Acuity for over 14 years in a variety of roles. His last role within the firm was heading the Global Account Management function with teams across New York, London and Hong Kong. He has been part of the Corporate Development team looking after M&A and Integration as well as managed multiple large sized delivery teams based in India.

Before Acuity, Kaushik worked in the Sales and Business Development team for Ford and Toyota before joining the Analytics team for GE Capital International Services where he worked until 2005.

Kaushik Biswas
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

Thank you for sharing your details

Share this on