GRADE (Genpact's Risk Assessment Delivery Environment)

Genpact's GRADE product is a state of the art Commercial Leasing and Lending originations platform offered as a service. The offering improves the efficiency of the credit risk lifecycle through automation that leads to an enhanced customer experience and fosters long-term client relationships. GRADE supports straight-through processing including auto-decisioning, documentation through the funding/booking of a deal. GRADE is a dynamically scalable SaaS offering with transaction based tiered pricing enabling a cost-effective growth model. Additionally, Genpact's domain expertise in transformation, operations, and digital offerings can provide additional client support.

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Overview

GRADE is a proven enterprise Commercial Leasing and Lending platform with modular, pre-integrated components to support the loan origination processes. These processes include point-of-sale, compliance and fraud, risk assessment, document generation, booking, collateral tracking, and event management. The best-in-class pre-integrated components enable rapid adoption of workflows and rules in changing business environments through self-configuration. Audit and compliance are built into the underlying infrastructure.

GRADE is an open platform with all its functionality accessible through an API layer for easy integration with existing applications and enterprise systems. This creates seamless integration across the lifecycle and ensures that data does not become siloed. The best and most complete information is always used in decision-making.

As part of Genpact, we have leveraged our deep domain expertise from thousands of commercial risk analysts to build the industry’s most capable risk management platform. Delivering services for top-tier banks and built from the ground up with compliance in mind, GRADE provides 100% audit coverage by storing the history of every single data change in the system.

Some of the AWS products utilized in the GRADE (Genpact's Risk Assessment Delivery Environment) Solution include AWS Elastic Beanstalk, Amazon EC2, Amazon RDS using PostgreSQL

Highlights

Streamlined Processes: Genpact’s GRADE automates and optimizes the lending lifecycle, reducing manual tasks and improves turnaround times. This efficiency not only enhances customer satisfaction but also allows lenders to focus on strategic decision-making rather than administrative burdens.
Data-Driven Insights: GRADE supports the entire lending lifecycle and gathers a tremendous amount of data to support the risk management process. This empowers financial institutions to make informed lending decisions, mitigate risks, and tailor their offerings to meet customer needs more effectively. This data can also be leveraged to determine insights into borrower behavior and market trends.
Scalability and Flexibility: Genpact’s solution is designed to be scalable, accommodating the needs of both small and large financial institutions. Whether expanding into new markets or adjusting to fluctuating demand, lenders can leverage a flexible platform that grows with their business and adapts to changing regulatory environments.

Details

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Pricing

Custom pricing options

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Pricing is based on your specific requirements and eligibility. To get a custom quote for your needs, request a private offer.

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Resources

Vendor resources

Commercial-Lending-as-a-Service

Support

Vendor support

As part of the SaaS agreement, there are flexible levels of support. GRADE is a configuration driven system where many of the application changes can be made directly by the client. Genpact will drive the initial implementation, configuration and training. Production support of the GRADE application comes in multiple tiers and is based on a client’s needs.