AeronauticsINTELLIGENCE ARTIFICIELLE
Financing on demand: GenAI accelerates corporate lending with instant product matching
ALTEN’s SDG Group designed a conversational generative AI solution for a leading global financial institution, automating corporate loan recommendations across complex client portfolios while preserving precision, compliance, and commercial oversight.
Commercial lending teams must deliver tailored financial proposals within tight timelines, while manually evaluating business profiles, financial eligibility attributes, and product rules across extensive catalogues. Done by hand, this process is slow, inefficient, and error-prone, making it difficult to scale commercial operations without delaying proposals or risking mismatched product selections. This leading global financial institution engaged ALTEN’s SDG Group to help it respond to this challenge.
Challenge: Eliminate the time commercial managers spent manually gathering client data, reviewing risk parameters, and cross-referencing product availability across scattered sources to build loan proposals.
Solutions: An automated GenAI-powered conversational engine that analyses financial attributes and business types in real time to instantly deliver accurate, tailored commercial proposals, equipping commercial managers with optimised insights to present competitive offers and accelerate sales.
Benefits:
- Eliminates manual data gathering, cross-referencing available financing options with corporate profiles to accelerate proposal creation.
- Dynamically matches financial eligibility attributes against centralised lending rules, delivering precise, error-free product alignment from a unified catalogue.
- Equips commercial managers with immediate, optimised insights to present competitive offers with agility.
- Ensures strict compliance with risk management and data privacy standards, applying robust, deterministic eligibility filters to every query.
- Enables tailored cross-selling of the bank’s products, delivering precise, actionable recommendations and a high degree of client hyper-personalisation powered by data and AI.
Key performance indicators:
- Currently supports approximately 50 commercial branch managers.
- Handles approximately 200 daily consultations and recommendations.
- Draws on a diverse catalogue of 40 financing products, including ICO loans, leasing and renting.
- Roadmap targets scaling from 50 to 1,200 managers, a 24x expansion in commercial reach, supporting up to nearly 2.9 million recommendations per year.
Real-time intelligent product matching
SDG Group’s solution integrates an automated recommendation engine directly into the corporate frontend to instantly match business profiles with available financial products drawn from a catalogue of 40 financing products, including ICO loans, leasing and renting. The system extracts client financial attributes and query context, cross-referencing them against centralised catalogue rules and historical conversation data to feed an efficient generative AI strategy. Using dynamic template injection and automated risk guardrails, the engine formats tailored commercial proposals that strictly comply with corporate lending criteria. The team engineered a robust, scalable microservice architecture built on Python, FastAPI, Red Hat OpenShift, PostgreSQL, Azure AI Search, Apache Spark, Databricks, and Azure AI Foundry models.
Empowered commercial managers, bulletproof compliance
By combining generative AI with real-time risk validation and human oversight, the solution significantly reduces manual data gathering while ensuring error-free product alignment. The resulting intuitive virtual assistant enables commercial managers to engage in multi-turn interactive conversations, rapidly clarifying eligibility criteria, payment terms, and product specifics across diverse corporate loan families. This equips commercial managers to deliver customised, competitive financial proposals with total agility across the bank’s commercial network.
The power of generative AI has enabled this global financial institution to accelerate corporate lending, optimise sales workflows, and deliver tailored financial solutions at a speed manual proposal creation could never match.
