CLM - Credit Decision and Verification Capability. 

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CLM - Credit Decision and Verification Capability

A tablet with a magnifying glass and a magnifying glass

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Story. The Hidden Friction. Person Rejected Bank Loan Stock Photos - Free & Royalty-Free Stock Photos from Dreamstime. 

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Meera, a young entrepreneur expects a fast credit approval but faces delays and uncertainty.

Why it happens: Fragmented data sources Inconsistent credit evaluations Limited Transparency

Impact: Slow turn around time Loss of trust Shift toward fintech solutions

Every delay created friction. Every friction costs trust.

Person Rejected Bank Loan Stock Photos - Free & Royalty-Free Stock Photos  from Dreamstime

What We Stand for – Our core value proposition. A blue and green check mark and person AI-generated content may be incorrect.. 

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What We Stand for – Our core value proposition

Instant Onboarding Credit decision in <30 seconds Seamless, Friction –free Journey

A blue and green check mark and person

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Cost Reduction: 15 FTE save Faster TAT: Reduced by 15-20 minutes Enterprise-ready scale: Cards| Mortgage| Wealth| SME

What drives the need for change. Fragmented Legacy Systems. 

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Limited scalability to support  new products

Credit Decision & Income Verification – Objectives. 

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Credit Decision & Income Verification – Objectives

Modular Capabilities Credit decisioning: Real Time      decisions using income data from multiple sources. Modular Income verification:                Real Time extraction from client-uploaded documents.

Customer Segment  Affluent, Wealth, Private and SME`

[image] A person with a gear over his head AI generated content may be incorrect

[image] A magnifying glass with a green person AI generated content may be incorrect

[image] A hand reaching out to touch a screen with icons AI generated content may be incorrect

Key changes we are delivering. Unlocking Long-Term Growth in Business Decision-Making. 

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Reach and Scale:  Credit decision capability Live in 3 Markets Income verification modular capability live in 8 markets

Customer experience:  1-step journey for credit decision  2-step journey for Credit + Income verification (Documents)

Risk Control:  Observability Dashboard for Credit capabilities  50% reduction in fraud incidents.

Unlocking Long-Term Growth in Business Decision-Making

What holds us back. A clipboard with a clipboard with a checklist and check marks AI-generated content may be incorrect.. 

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[image] A person shaking hands with another person AI generated content may be incorrect

A clipboard with a clipboard with a checklist and check marks

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[image] A colorful arrows pointing to different directions AI generated content may be incorrect

Magic Note. Instant Credit Card Approval Online .... 

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Instant Approval. Seamless Experience 😊

Income & Credit Decision Capability – 2026 Target Outcomes. 

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Income & Credit Decision Capability – 2026 Target Outcomes

Markets Credit Approval Rates

 Fraud Incidents

 STP Approval Rate (Income Docs)
 FTE Saves

 Volumes (36K) Approval Rates (%)-Base-** (69%) Approval Rates Target (69%) Volumes (36K) Fraud Incident % (5%) Reduce Fraud Target% (2%) Income   Rates  (53%) Increase STP  Rates  (80%) Baseline (48 HC) Target (15 HC) VN 2167 63% 63% 2167 4% (-2%) 2% 50% (+30%) 80%  8 2 HK 17150 36% 36% 17150 2% (-1%) 1% 75% (+15%) 85% 10 3 SG 9504 52% 52% 9504 0.5% (-0.5%) 0% 84% (+8%) 92% 6 3 IN 2060 68% 68% 2060 12% (-6%) 6% 40% (+40%) 80% 6 2 MY 740 55% 55% 740 19% (-10%) 9% 60% (+25%) 85% 6 2 AE 185 82% 82% 185 7% (-4%) 3% 60% (+25%) 85% 3 1 BH 900 90% 90% 900 1% (-1%) 0% 50% (+25%) 75% 4 1 BD 3436 71% 71% 3436 2% (-1%) 1% 60% (+25%) 85% 4 1 JE 10 100% 100% 10 1% (-1%) 0% 0% (+50%) 50% 1 0

**- Credit Approval rates are only influenced by policy changes and hence not considered for Target Key results as part of this capability outcomes

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