Lending solutions
The lending business is undergoing a paradigm shift, driven by evolving customer expectations, changing market conditions, and technology. Improving “Time to Market” while keeping costs low is the key to staying relevant, and this is enabled through adoption of right technology accelerators along with best-in-class operations.
Infosys BPM offers a comprehensive range of lending solutions to the financial services sector, focused on streamlining operations, reducing costs, and improving business performance. Our offerings span business lending solutions and commercial lending solutions across the Commercial & Business Banking segment, alongside automated digital lending solutions that apply AI, RPA, and machine learning to loan origination, servicing, and collections. Our lending practice boasts over 12,000+ financing experts, working for 100+ clients, and we've been recognized as a Leader in the Everest Group Lending Services Operations PEAK Matrix® Assessment 2024.
Our expertise in lending
Infosys BPM's business lending solutions and commercial lending solutions support banks, credit unions, and financial institutions across consumer, commercial, and mortgage loan portfolios. Backed by automated digital lending solutions powered by RPA, AI, and machine learning, our teams help lenders improve credit decision accuracy, reduce turnaround time, and lower operating costs — with banks leveraging BPO for loan processing reporting turnaround times 40–50% faster and 25% fewer errors.
Our service spectrum
Infosys BPM's business lending solutions and commercial lending solutions extend across the full range of lending products that banks, credit unions, and financial institutions offer their customers. Whether the requirement spans traditional lending lines or automated digital lending solutions, our teams bring the same depth of operational and technology expertise to every portfolio.
Mortgage loans Conventional, government, second home loans, line of credits etc. 
Commercial loans Real estate, equipment financing, working capital financing etc. 
Consumer loans Personal loans, student loans, short-term credit, etc. 
Auto finance loans Dealer finance, auto finance etc. Key service areas are categorized below:
Origination
- Customer query resolution
- Application processing
- Credit assessment
- Final approval for loan
- Document for preparation and closure
- Post Disbursement review
- QC activities
Servicing
- Customer care
- Account maintenance
- Payment processing
- Correspondence management
- Credit reporting
- Insurance and tax review and validations
- Investor reporting activities
- Full payment processing and hold Release
Default management
- Collections
- Payment plan processing
- Legal proceeding support
- Bankruptcy process support
- Bank owned asset management
- Property preservation activities
- QC activities
Insights
Why choose Infosys BPM for lending solutions
End-to-end lending solutions
Comprehensive solutions to cater to the entire lending lifecycle from application processing to end-of-life, including default, for various lending products including consumer, commercial and mortgage loans.
Digital transformation and automation
Leverage advance technologies like RPA, AI and ML to streamline processes, reduce manual interventions and improve accuracy of credit decisions.
Cost efficiency and scalability
Our global delivery network helps us scale operations while optimizing costs. Our solutions help clients improve operational efficiency, reduce time to market, and minimize costs through digital interventions and strategic service placement.
Regulatory compliance and risk management
Our comprehensive governance, risk, and compliance services enable our clients to stay ahead of regulatory requirements.
Industry leadership and expertise
We are recognized by top analysts as leaders in lending services.
Challenges and solutions - lending solutions
Lending solutions span the full loan lifecycle — origination (application processing, credit assessment, and approval), servicing (account maintenance, payment processing, and credit reporting), and default management (collections, restructuring, and recovery). Our business lending solutions and commercial lending solutions apply this same lifecycle coverage across business, commercial, mortgage, consumer, and auto finance loan portfolios.
Commercial lending solutions cover real estate financing, equipment financing, and working capital financing, supported end-to-end through origination, servicing, and default management. This sits alongside business lending solutions and mortgage, consumer, and auto finance loan support within Infosys BPM's broader lending practice.
Automated digital lending solutions apply RPA, AI, and machine learning across origination and servicing to reduce manual effort and improve accuracy in credit decisioning. Banks leveraging BPO for loan processing report turnaround times 40–50% faster, with 25% fewer errors, as a result.
Default management covers collections, payment plan processing, legal proceeding and bankruptcy support, bank-owned asset management, and property preservation — helping lenders manage defaulted loans and recover value through restructured payment plans or, where applicable, repossession and legal action.
Yes — Infosys BPM was recognized as a Leader in the Everest Group Lending Services Operations PEAK Matrix® Assessment 2024, reflecting its scale (12,000+ financing experts) and reach (100+ clients globally) in delivering business lending solutions, commercial lending solutions, and automated digital lending solutions.
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