Transformation Overview
India’s largest private sector bank, managing over USD 230 billion in assets, partnered with Intellect Consumer Banking to modernize its SME lending operations. Facing challenges like long 20-25 day sanction times and heavy reliance on manual processes, the bank implemented the eMACH.ai Lending platform. This cloud-agnostic solution features a headless architecture supporting both digital self-initiation and RM-assisted journeys. Key highlights include a prebuilt API stack integrating over 70 systems for zero human-touch disbursals and the rapid launch of segment-specific credit products across working capital, healthcare, and agri sectors.
Business Impact
In less than one year, the transformation delivered measurable results:
- Speed: Achieved record loan approvals in just 90 minutes
- Scale: Successfully initiated 65,000 proposals and approved $3.1 billion in SME loans
- Customer Reach: Disbursed $1.9 billion in loans to over 18,000+ happy customers
- Efficiency: Enabled end-to-end digital document execution with secure e-signatures and intelligent pre-approved offers
