Financial Services

Service Offerings

Services:
Retail and Commercial Banking | Mortgage | Capital Markets | Credit Cards

Retail and Commercial Banking


Infosys BPM offers back-office and call center services for large and mid-sized banks. Our services are delivered and supported by a large team of experienced professionals. We have consistently enhanced processes and delivered monetary as well as non-monetary benefits to our customers.

Our retail and commercial banking service offerings include processes such as new account set up, checks and returns processing, payments and transaction processing, query handling via phone and e-mail, collections and client reporting.

We also offer services in risk operations (agency and branch payments, offset posting) and check fraud research and postings.

Retail Banking Capabilities

CHANNEL SUPPORTASSET PRODUCTSLIABILITY PRODUCTSOTHER SERVICING
  • Cross-selling
  • Customer Queries
  • Early and Late Stage Collections
  • Customer Emails/ Mail
  • Account Opening
  • Collateral Valuation
  • Item Processing or Balance Transfer
  • Draw-down
  • Principal Due Notification
  • Generating Client Statements
  • Write-off, Reposition
  • Underwriting
  • Closing and Post-closing Activities
  • Secondary Marketing
  • Customer Servicing
  • Escrow Administration
  • Default Administration
  • Information Updates, Instructions; Account Verification
  • Offsets, Payments Processing
  • Check Processing; Retail Lock Box
  • Standing Instructions Processing, Account Updates
  • Customer Queries
  • Generating Client Statements and Tracers
  • Name and Address Change
  • Retrieval Services
  • Researching Check Returns, IP Exceptions
  • ACH Drafting and Customer Service Research
  • Retail Analytics
  • Risk Modeling
  • Standard Reporting
  • Fraud Analysis
  • Research Support
  • Model Validation
  • ATM Operations

One of the highlights of our retail and commercial banking offering is our Bank-in-a-Box managed service solution.

Consumer Lending

Consumer Lending is a key offering of our Retail Banking practice. We help clients achieve rapid, sustainable improvement in their loans portfolio performance. Our offerings range from data capture and underwriting, closing and funding to default management, foreclosure and bankruptcy.

Consumer Lending Offerings

OriginationServicing and Default Management
  • Data Capture and Validation
  • Application Processing
  • Pre-Qualification
  • Underwriting and Decisioning
  • Pre-Closing
  • Closing
  • Funding
  • Pipeline Management
  • Document Preparation
  • Loan Booking and Review
  • Funding Review
  • Transmittal Documentation
  • Loan Sale Coordination
  • Loan Delivery
  • Line of Credit Management
  • Regulatory Reporting
  • Document management and Quality Check
  • Escrow Analysis
  • Tax
  • Insurance
  • Payment Processing
  • Special Loans
  • Customer Service
  • Lien Release
  • Research
  • Borrower Requests
  • Collections
  • Default Reporting
  • Loss Analysis and Mitigation
  • Recoveries
  • Skip Tracing
  • Bankruptcy
  • Foreclosure

Key Challenges and Infosys BPM’s Solutions

ClientChallengeSolutionBenefits
Leading Credit card issuer in the U.K.High rate of application rejectionWorkflow tool with inbuilt features to accept or reject an application based on predetermined parameters
  • Reduced processing time by 50%
  • Application rejection rate at 5%
One of the top six U.S. Regional BanksDelay in verification and data entry processTechnology point solutions can be integrated with the existing system to reduce error rates
  • Reduction in the headcount by 50% and savings of US$ one million
  • Response time reduced by half
  • Minimal manual intervention
Leading U.S. BankManual account review and processingWorkflow tools automate review and categorization process
  • Reduced processing time by more than 60%
  • Reduced errors
  • Better control points for process monitoring

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