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Case studies

How lenders and businesses have used Credit SPOC. Client names are withheld to protect confidentiality.

Drawing power automation for a large public sector bankIndia · Public sector bank · Drawing Power Automation

Challenge

Drawing power for working capital accounts was computed by branches on local spreadsheets. Margins and ageing were applied inconsistently, stock statements arrived late with no systematic follow-up, and auditors regularly questioned how figures had been derived.

Approach

We configured the bank's credit policy and each account's sanction terms in the Credit SPOC workflow, set up a secure channel for statements with automated follow-up, and assigned senior reviewers to validate exceptions before release.

Results

DP is now computed on a single set of rules across the portfolio, pending statements are visible and chased automatically, and every figure has an audit trail. Credit officers receive an exception list instead of reviewing every account.

Registry clean-up for a private sector lenderIndia · Private bank and NBFC portfolio · ROC/CERSAI Search and Charge Filing Workflow

Challenge

Ahead of an inspection, the lender needed confidence that its security was correctly registered across a large secured portfolio, including accounts inherited through a portfolio purchase.

Approach

We ran portfolio-wide ROC and CERSAI searches, reconciled the results with sanction and security documents, and rated each discrepancy by risk. Corrections were then taken through our charge filing workflow and tracked to closure.

Results

The lender received a clear, prioritised view of missing, unsatisfied and third-party charges, and closed the high-risk items with a documented trail ready for inspection.

Process redesign and automation for a mid-sized companyIndia · Mid-corporate · BPR and AI Implementation

Challenge

The finance team keyed in supplier invoices by hand, reconciled bank and GST data manually each month, and assembled MIS from several spreadsheets, so month-end close ran late.

Approach

We mapped the payables and reconciliation processes, removed duplicate approvals, and implemented document extraction and automated reconciliation with human review of exceptions.

Results

Invoice entry and reconciliations moved from manual work to exception review, and management reports now refresh automatically from source data.

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