GDS Link, a credit decisioning technology provider, has been chosen by TBC Bank, a commercial bank in Georgia, to implement a policy-driven platform for retail and small business lending.

This collaboration arose from a competitive request for proposal where TBC Bank assessed its current capabilities with the aim of enhancing transparency, governance, and internal controls regarding credit policy execution.

GDS Link facilitated the introduction of TBC Bank’s first secured loan product through this new platform. The bank’s risk teams are now capable of designing, configuring, and managing their own credit strategies independently, without needing external experts. This capability allows TBC Bank personnel to construct and adjust credit decisioning flows for additional products, thereby decreasing reliance on third-party assistance and expediting the deployment of policy changes.

Platform Features and Strategic Significance

The platform offers TBC Bank greater visibility into decision-making processes, quicker iteration of policies, and a scalable framework aimed at supporting growth across multiple products and markets. For a bank prioritizing the expansion of digital lending channels as part of its strategic objectives, the ability to autonomously manage credit flows and introduce new offerings without lengthy development cycles represents a significant operational advancement.

This engagement further contributes to GDS Link’s presence in financial institutions located in emerging and international markets aiming to modernize their legacy credit decisioning environments with enhanced control and flexibility.

In response to this news, Lela Bibilashvili, the Risk Tribe Lead at TBC Bank, commented that the partnership bolsters the bank’s capacity for innovation across various lending products while granting teams direct oversight over credit policy creation and implementation.

Lisa Bonalle, CEO of GDS Link, elaborated that the partnership aligns with TBC Bank’s objectives for scalable, data-driven lending and reinforces GDS Link’s position among progressive banks operating internationally.