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Hybrid Captives

Challenges you may be facing

The mortgage industry is experiencing a period of disruption and change marked by increasing costs, elevated risks, and many challenging new regulatory requirements.

The industry has seen an upsurge in cost and rising inefficiencies, creating a need to look for new models for global business service delivery. The practice to offshore a few non-critical processes of the outsourcing value chain, leaving complex and business-critical segments in-house, breaks down the entire purpose of offshoring. Hence, there is a need to bring in innovative and alternate solutions to replace the traditional ones in order to create efficiencies and save costs.

The industry is also witnessing a mounting need for standardization, transformation, and enhanced productivity to enable customer satisfaction. This only becomes possible if there is visibility into workflow processes and day-to-day operations. Mortgage companies are increasingly looking for alternative solutions to tackle this situation.

Why should you consider HCL?

Experienced in setting up Global Processing Centers
HCL is a pioneer in alternative offshore delivery models which include hybrid captives and joint ventures, tailored to cater to the specific needs and regulatory requirements faced by clients.

HCL has vast experience in setting up global processing centers for clients to migrate easy-to-outsource as well as traditionally never outsourced complex functions. Our outsourcing models like hybrid captives help clients save costs and achieve other business benefits with minimal capital investment. This in-turn helps them achieve the required flexibility to scale up operations as and when required.

The entire process of either setting up a joint venture or hybrid captives adheres to all global and geographic-specific compliances and risk policies. HCL also ensures that transition happens in a risk mitigated manner.

Mortgage-specific BPO Services

HCL's mortgage-specific BPO services cater to the requirements of major global players and span various service, customer, and loan types. We serve the world’s top clients through offerings in operations, consulting and technology, and infrastructure. HCL works around the performance levers of workflow automation, mobility, analytics, and compliance, leveraging an outcome-based pricing model. HCL can provide a comprehensive outsourcing solution with the help of its proprietary TOSCANA: workflow management, TOSCANAMOBILE: mobility, and TOSCANABOT: extreme automation/robotics tools.

Global Partner Ecosystem
HCL has an extended partner eco-system that is leveraged across the globe to serve leading banks and mortgage providers across the UK, New Zealand, Australia, Malaysia, and South Africa. This makes HCL the best choice in addressing your challenging mortgage requirements. HCL has helped clients achieve high customer satisfaction levels, a reduced cycle time of up to 50%, and a reduction in the cost per loan of up to 50%.

Business Benefits Delivered

  • P&L impact through cost reduction
  • Assured risk mitigation
  • An open book partnership with complete transparency
  • Improved DSO enabling top-line growth
  • Minimal upfront investment by the client
  • Seamless transition management by HCL, across geographies
  • Ramp-up potential – complete scalability

HCL's Blog On Captive Hybrid

captive hybrid

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We will treat any information you submit with us as confidential. Please read our privacy statement for additional information.