Lending Operations

Bespoke Lending Operations support for improved efficiency and client experience

Overview

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.

What we have delivered annually

25,000+

loan-servicing widgets

10,000+

collateral booked and terminated

12,000+

treasury enrolments

18,000+

forgiveness loans reviewed

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

40-50% cost savings

30-40% increase in efficiency

10-20% reduction in cycle time

30-40% improved business resilience

Improved risk governance

Customised solution to suit specific needs

What we have done

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

40-50%

reduction in costs

20%

reduction in operational risk

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

100%

adherence to credit policies

40-50%

reduction in collateral management costs

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

The enrolments look fantastic and we have been very pleased. I have let my manager know that we are seeing some great results. Keep up the fantastic work.

Director, Treasury Management Implementation

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

Our perspective on Lending Operations
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

Cash is king: How to optimise treasury operations Blog
Cash is king: How to optimise treasury operations

Outsourcing coul..... 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
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

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
Kaushik Biswas

Director, Business Development, Middle East

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