Corporate Lending Health check for a leading Bank in Malaysia

Background

A prominent bank in Malaysia was experiencing challenges with its Corporate Loan Origination System, implemented by a well-known vendor in 2019. Since its deployment, user expectations had evolved, revealing gaps in performance and alignment with current needs. One of the leading technology company in India having presence globally engaged TXN to conduct a comprehensive health check of the system and provide strategic recommendations.

Our Approach

Leveraging over 100 years of combined consulting experience, TXN’s senior consultants conducted a thorough end-to-end assessment of the Bank’s Corporate Lending Origination processes. Our team collaborated closely with multiple stakeholders to understand operational bottlenecks, identify system pain points, and define future-ready requirements to support the Bank’s growth aspirations.

Our methodology included:

 Process mapping and performance analysis

 Structured stakeholder interviews

 Identification and prioritization of pain points

 Formulation of a time-bound action plan

 Development of a transformation roadmap with actionable insights

Key Activities

Workflow Assessment: Identified inefficiencies and delays in end-to-end transaction workflows.

User Experience Evaluation: Assessed the origination platform’s interface and user journey to improve usability and satisfaction.

Digital Transformation Readiness: Reviewed the level of digitization, evaluated Straight-Through Processing (STP) effectiveness, and explored opportunities for AI-driven automation.

Cost and Operational Optimization: Highlighted areas for reducing manual intervention, streamlining workflows, and achieving cost efficiency.

The Impact

The health check and roadmap provided the Bank with a clear path to modernization and operational excellence.

Tangible outcomes included:

 

This engagement highlights how focused diagnostics and tailored transformation strategies can unlock substantial value from existing technology platforms. The success of this initiative reinforces the critical role of regular system health checks in maintaining agility and competitiveness.