Retail Lending solution

Retail Lending

We provide bespoke retail lending solutions that help enhance banking efficiency, build competitive advantage and improve customer experience for global banks.

Retail Lending Solutions

With over 18 years of experience in delivering research and analytics services, Acuity Knowledge Partners (Acuity) has strong credentials within the consumer and commercial banking space. Our retail lending solutions help banks optimize their retail banking value chain (origination, processing, underwriting, closing and post-closing), by centralizing, standardizing and digitalizing processes.

We partner with our clients to drive revenue, implement global best practices and transform their operating models. Our retail lending solutions can help banks improve speed to market, increase customer-facing time, manage higher volumes and utilize flexible staffing for one-time projects or spikes in work volumes.

What we have delivered annually


loan applications processed


documents managed


loan conditions validated


loans fulfilled and onboarded

How we are different

ONE-STOP SHOP FOR Retail Lending Outsourcing
ONE-STOP SHOP FOR Retail Lending Outsourcing

Comprehensive support across the retail lending value chain across origination, processing, underwriting, closing and post-closing

Financial services domain experience
Financial services domain experience

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

Credit pedigree
Credit pedigree

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

Scalable partner
Scalable partner

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

Tech-driven innovative solutions
Tech-driven innovative solutions

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

Talk to an expert

See how we can help you improve your processes and make you
more efficient.

What we have done

Support for Consulting and Corporate Firms
Retail lending support to a large US-based commercial bank
What we are proud of


Able to underwrite c.35% more deals


Reduction in turnaround time for new deals

In the News

“Offshoring and centralizing to transform the front office”
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Global Banking & Finance Review
“Credit analysts evolve to facilitate deals in pandemic era”
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“Nigeria’s API-based open banking initiatives offer a model for Africa”
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Our perspective on Retail Lending
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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

Managing Director, Americas Sales

Pedro Armstrong is a Managing 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

Senior Director, EMEA Sales Head - Banking and 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
Karthik Vijayapalan

Business Development Director (Americas)

Karthik Vijayapalan is Business Development Director for Acuity Knowledge Partners, New York, and oversees client relationships in the Americas within the banking, financial services and insurance (BFSI) sector. He is a relationship manager and trusted advisor to leading banks, investment managers, hedge funds, fund-of-funds, private markets investors and private wealth managers, helping them accelerate growth, save costs, increase speed-to-market, scale operations, manage risk and meet regulatory compliance by strategically implementing our services.

Karthik Vijayapalan
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

Director, 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

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