Commercial Banking Operations Services & Solutions | Commercial Banking BPO

Navigate the Commercial Banking Terrain with the Power of Automation and AI

Rapid market disruptions are forcing a rethink of traditional operating strategies in the Commercial Banking sector. Banks have a choice: set the pace of change or constantly play catch up.

What stands between leaders and laggards is the ability to be agile and innovation-focused.

Banks must re-invent operating models and transform the business to face the challenge from digital-native companies, navigate economic upheavals, stringent regulations and shifting consumer preferences.

WNS Commercial Banking services bring together deep domain knowledge, advanced analytics and best-of-breed digital expertise to deliver tangible business value. From front to back-office processes, our comprehensive suite of services drives efficiency, enhanced customer experiences and minimized risks.

3000+

Professionals

30+

Clients

18+

Years of Experience

20 Delivery Centers

across the Globe

100+

Processes Supported

Bank on Digital-first Solutions

Employing advanced automation and AI-led analytics to drive agility and growth across the end-to-end banking lifecycle

Commercial Banking Operations
Commercial Lending Operations
Commercial Credit Solutions
Trade Finance

Commercial Banking Operations

WNS offers a wide range of services across account management, cards, payments, cash management and treasury services. By leveraging automation, AI and analytics, we enable banks to unlock the full potential of their operations, driving higher accuracy, lower costs and faster turnaround times.

Key Offerings:

Account setup and management
KYC and document verification
Corporate card management
Payments processing and settlements
Cash management and reconciliation

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Commercial Lending Operations

Powered by automation and AI, WNS offers flexible, cost-effective solutions to streamline commercial loan operations that enable banks to provide superior customer experiences at optimized costs. By transforming workflows and infusing intelligence into collection management, banks can drive resilience and long-term growth.

Key Offerings:

Loan closing and documentation
Credit control and monitoring
Post-closing review
Client servicing
Reporting

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Commercial Credit Solutions

WNS brings deep expertise in delivering Commercial Lending Solutions customized to sectors such as manufacturing, real estate, healthcare, retail, energy and transportation. Our services cover key lending operations, empowering lenders to make informed decisions, mitigate risks and enhance customer experiences.

Key Offerings:

Loan origination and underwriting
Credit risk assessment
Documentation and due diligence
Portfolio monitoring and covenant validation
Collateral analysis and management

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Trade Finance

Our comprehensive Trade Finance solutions streamline processes, enhance operational efficiency, reduce costs and ensure regulatory compliance while improving customer experiences. Underpinned by automation, AI and analytics, WNS’ solutions enable business banks to navigate the complexities of trade finance, enabling faster processing, real-time risk management and seamless service delivery.

Key Offerings:

Letters of credit processing and management
Trade-based Money Laundering (TBML) checks
Structured trade and supply chain financing
Trade documentation verification and compliance
Customer service and support

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Innovative Technology-led Transformation

WNS empowers banks to navigate today’s digital-first landscape with our advisory-led transformation services, underpinned by a combination of in-house and partner solutions and accelerators

Hyperautomation, RPA and Workflows

Dynamic work orchestrator
Client lifecycle manager
Trade-based money laundering automation
TrustHall contract compliance
Connected compliance

Analytics and AI-based Accelerators

Automated financial spreading
Financial statement scraping tool
Collection analytics
Gen AI-powered agent assistance
Adverse media screening

Driving Real-world Impact

Leading US Bank with assets >USD 200 billion partnered with WNS to redesign and re-engineer their lending and commercial credit operations with RPA and refine policies to gain:

~USD 1.1 million potential annual savings
~25% capacity enhancement
Reduced credit processing cycle times from 18-25 days to under 10 days
Reduced overdue credit percentages from 27% to under 10%
Improved accuracy through predictive modeling for reconciliations and audit tasks

Leading Regional Bank Headquartered in the Middle East transformed its banking operations with WNS’ industry-best solutions and garnered these outcomes:

Potential savings of over AED 1.8 million per annum
Enhanced client experience through digital banking
Automated processes and reconciliation
Improved TAT and coverage (24x7)
Mistake proofing of processes through BOT processing
Enhanced staff capacity
Deployment of paperless office

Leading US Super-regional Bank with assets ~USD 100 billion partnered with WNS for consulting-led operations to gain:

30-40% cost savings and incremental benefits
Reduced turnaround time (TAT) for spread requests from 3-4 days to 1 business day
Reduced exceptions processing from 35% to 5%
Reduced loan proposal closure TAT from > 30 days to 1 week
Implemented automated workflow tracking to ensure 100% success rate

Leader in Everest Group’s Lending Services Operations PEAK Matrix® Assessment 2024

WNS Advantage

Domain Expertise across several sectors, including commercial lending, asset-based lending and trade finance
Digital and Analytics Capabilities that empower banks to forecast cash flows, manage risks and streamline processes
Center of Excellence (CoE) for Credit Decisioning that uses advanced analytics and data modeling to support processes like risk assessments and credit policy development