Integrating Technology across Lending Value Chains
With front-to-back digitization, lending has become a faster, more nimble and accurate process. To continue evolving, the next step is to integrate technology innovations like Al, machine learning, and blockchain. This brings real-time visibility, high processing speeds, and conversation-led experiences to the lending process.
HCLTech covers every aspect of lending operations, from origination to collections, including portfolio risk, compliance and process management. Our deep understanding of consumer lending and mortgage functions helps us address both tactical and long-term requirements of all financial services institutions.
Unleash the Potential in Your Lending Landscape
Simplify financial service operations with improved productivity and enhanced customer relationships.
Lending-as-a-Service (LaaS)
Our Agency for Specialized Monitoring (ASM) emphasizes risk mitigation and provides smart decision support. The solution covers a range of tech-enabled offerings for monitoring term loans, working capital and cash flow. Together, these solutions empower you to closely monitor your large credit exposure. Our LaaS platform brings you closer to a range of audiences through its marketplace lending capabilities that include multiple financing options.
One lending
Redefine the lending experience for your end customers as we lead your digital transformation. We re-engineer processes and design consumption-based models, empowering you to control your lending operations with increased visibility and transparency across geographies for multicountry environments.
Digital lending and BNPL
Buy Now Pay Later (BNPL), a point-of-sale digital financing solution, allows retailers, ecommerce players, and other stores to offer customers the capability to finance purchases instantly and repay at leisure. We design and develop the BNPL payment interface configurations for underwriting retailers, banks and other organizations in the lending industry.
Mortgage digitization
Our composable banking capabilities seamlessly integrate within and across the mortgage value chain — including Al/ML-based lead generation/conversion, origination/fulfillment, servicing and collections — to reduce operational costs and processing times. HCLTech’s Customer 360 solution enables a single view of the customer portfolio, with all interactions and positions with different institutions available simultaneously.
Why HCLTech for Consumer Lending and Mortgages Solutions?
We integrate new-age technology across lending value chains to enable the end-to-end digital transformation of lending operations. Our solutions expedite loan approvals and disbursements in a way that provides lenders more visibility into credit risks and gives borrowers a smoother digital experience.
We help banks and other financial services firms leverage technology-driven platforms and tools that facilitate seamless borrower interactions, automated underwriting and digital signatures for loan approvals and disbursements.
Robust LaaS platform
Accelerated time-to-market for launching new products with the LaaS platform
Easy integration
Greater flexibility to adapt and integrate with legacy systems and technologies
Customer-centricity
Cloud-based platforms to enable a consumption-based model
A step ahead
Solutions beyond lending (payments, POS and ecommerce)
