Case Study: Leading U.S. Bank achieves lower bad loans and improved compliance with WNS

Co-creation Helps in Reducing Bad Loans & Improving Compliance

The Leading U.S. Bank was struggling with manual, fragmented credit appraisal processes, multiple handoffs, inconsistent governance, and a growing backlog of loan reviews, all of which made it harder to reduce bad loans and stay compliant. To address this, the bank worked with WNS and its analytics expertise to improve loan assessment and credit risk operations.

WNS implemented a centralized CoE model with standardized SOPs, metrics, rating methodologies, and automation to streamline credit appraisal and reduce errors. The results included a credit decision cycle time cut from 10–12 days to 5 days, 6–8% higher loan uptake, over 99% accuracy, and more than 50% cost benefits, while also reducing delinquent loans and improving the bank’s credit score.