Case Study: One of Australia’s Big Four Banks achieves customer‑centric credit risk insights and substantial cost savings with HCL

Integration Of Credit Risk Information With Customer Information For One Of Australia’s Big Four Banks

One of Australia’s Big Four Banks engaged HCL to integrate credit risk information with customer data and achieve a customer‑centric risk management view for its commercial lending portfolio. The bank faced diverse business scenarios across segments and geographies and lacked documentation on its legacy system, complicating credit review, risk capture, computation and aggregation.

HCL provided application support & maintenance, joining both business and development teams to elicit and document requirements, migrate and enhance legacy functionality onto the bank’s strategic CRM platform, and define standardized target processes. As a result, HCL’s work delivered more accurate aggregated credit risk exposures that reflect real customer relationships, enriched customer‑centric reporting, and enabled CRIS decommissioning that produced substantial annual savings.