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.
Support We Offer in Lending Operations
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

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
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
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.

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.

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.