Lending process in a large bank

1M €
Saved in one year

Reduced the application processing time


A large bank, with a network of branches in all federal districts of the Russian Federation.

Problem / Challenge

Obscure and time-consuming process of reviewing applications for corporate loans leads to customers leaving for competitors.


Losses associated with repeated review of documents and repeated comments from the relevant services were identified.

Then it was found that differences in the structure of the process in different regions and operating offices led to process delays

What was done

The process was standardized according to a number of criteria, which allowed reducing the number of documents requested from the client and reducing the time required for their collection and further consideration in half of the cases;

Adjusted the scenarios of work in the bank information systems to exclude the movement of incomplete document packages.

Results achieved

Process execution time was reduced by 20%.

Total economic effect - more than 1 million Euro per year.