Lending is at the heart of every financial institution’s business model—but legacy systems often limit agility, compliance, and customer experience. Our SAP Loans Management Implementation Services empower banks and financial institutions to modernize their end-to-end lending operations using SAP S/4HANA for Financial Services and SAP Loans Management (SAP CML).

Lean Thoughts delivers comprehensive implementation and transformation services that simplify loan origination, servicing, payments, and collections—creating a seamless, automated, and data-driven lending ecosystem.

• Implementation and configuration of Loans Management on SAP S/4 Transaction banking as well as SAP Loans Management (CML)
• Integration with CRM, and payment systems
• Loan product design, process automation, and workflow optimization
• Data migration, testing, and go-live enablement
• Post-implementation support and performance optimization

With our deep lending domain expertise and SAP delivery excellence, LeanThoughts can help institutions accelerate lending transformation, improve efficiency, and enhance customer experience—all while maintaining regulatory compliance.

As a retail bank, let’s get your bread and butter business processes working in your new SAP banking system with minimal fuss. LeanThoughts follows a template approach in implementing your deposit products such as Current Accounts, Savings Accounts and Term Deposits quickly….so that you can focus on addressing your major technical challenges including integration with teller systems, payment systems, data migration etc.

SAP Deposits Management is a solution for banks to manage the entire lifecycle of deposit accounts, including savings, checking, and fixed-term deposits It is suitable for balance-based products of banks with a high number of accounts or a high volume of transactions. It includes a product configuration application, which supports the development of new products without requiring programming effort. SAP Deposits Management also provides comprehensive functions for checking accounts, savings accounts, time deposits, and card management

Our consultants at LeanThoughts brings expertise in various core banking modules thereby enabling you to configure your code transaction banking processes quick and accurate.

Collateral Management is not a standalone capability in banking business processes. It is a sub capability which is part of various lending processes in commercial and retail lines of business. At LeanThoughts, our experts in SAP Collateral Management System (CMS) can help you realize your collateral related processes by defining your physical and financial collaterals, as well as structure your business processes such as collateral valuations, collateral release and substitution, and other collateral life-cycle operations.

SAP CMS is a centralised operational collateral management system which collateralises receivables in various SAP and non-SAP receivable systems. SAP CMS is capable of managing the complete life cycle of collaterals from creation of collaterals to the various servicing operation till liquidation of the collateral. SAP CMS has there sub-components called Object Management, Collateral Agreements and Interface Receivable which manages the complete functionality offered in CMS.

In the real world objects like real estate property, vehicles, time deposits can exist independently without references to any other entities. An object becomes collateral when a collateral agreement is signed between the giver and the taker, usually a bank and a borrower. This is the fundamental principle under which SAP CMS product is built.

Our consultants at LeanThoughts brings expertise in various core banking modules thereby enabling you to configure your code transaction banking processes quick and accurate.

SAP Master Contract Management is used in retail banking to realize processes such as Facilities, Combined Statement, Bundle Pricing and Overdraft Protection. LeanThoughts can help you to realize these processes with SAP S/4 Transaction Banking. Our consultants help you map your business processes into SAP MCM with an approach of demonstrating sample processes in the system so that your business analysts can quickly understand, appreciate and setup your processes.

Master Contract Management is a functional component in SAP S/4 Transaction Banking that enables the handling of processes where multiple accounts are involved. It is a solution for business scenarios where a contract is required to act as an umbrella for the participating accounts (sub-accounts).

At LeanThoughts, our consultants can help you with:

 Design, Set-up and Run all business processes that requires Master Contracts which are multi-level, multi-entity, multi-system, multi-time zone, multi-currency capable

• Realizing business processes related to Facilities and Line of Credit
• Realizing business processes for overdraft protection
• Design and Deliver Bundle Pricing requirements in retail banking
• Setup combined statement requirements

Pricing in SAP S/4 Transaction Banking offers a functionality used by many applications located in different process such as account settlement, item processing (both Deposits) or combined settlement (MCM).  The pricing module in SAP Banking is used for various levels of pricing such as Product Specific Price, Customer Specific Price, Specific Price Agreements and Individual Price.

LeanThoughts can help with mapping your pricing requirements and business processes into the central pricing module in SAP S/4 Transaction Banking.

Pricing defines product related and customer related prices, which can be standard prices for customer segments or customer- and contract-individual prices, as well as the rules how these prices are combined and inherited. Pricing is relevant for all Financial Service price bases like contracts, transactions and events. The target of the pricing engine in SAP is to offer a Bank one central point for price definition for any kind of contract using financial conditions and business partner relevant processes like settlement.

At LeanThoughts, our consultants can help you with mapping your pricing requirements to the Pricing engine in SAP S/4 Transaction Banking. It requires solid knowledge of the pricing components and in-depth knowledge of the Financial Conditions module to execute this module. Our consultants combines expertise gathered from multiple projects to help you centralize all pricing processes into the centralized pricing engine in SAP Banking.