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

Co-creation Helps in Reducing Bad Loans & Improving Compliance

Leading U.S. Bank was struggling with loan processing inefficiencies, heavy manual intervention, and inconsistent governance in its credit appraisal operations, which created backlogs, slowed lending, and increased regulatory risk. The bank turned to WNS and its analytics expertise to help standardize and automate loan review and improve compliance.

WNS co-created a solution built around a Center of Excellence model, standardized operating procedures, centralized metrics, and automation across the credit appraisal process. The results included faster review closure, improved regulatory compliance, a reduction in bad and delinquent loans, credit decision cycle time cut from 10–12 days to 5 days, loan uptake up 6–8%, over 99% accuracy, and more than 50% cost benefits.