Banking on AI: How a new operating model can transform distressed credit management
Factual evidence
What the source reports
McKinsey reports banks are deploying AI in distressed credit management, requiring operating model changes to improve recovery outcomes.
Inspect the evidence
- Inclusion basis
- AI in finance
- Publisher and source type
- McKinsey Tech & AI insights · ENTERPRISE AI
- Published by source
- 29 October 2026
- Collected by OneBench
- 29 Oct 2026, 19:02 UK
Stored source excerpt
Banks increasingly deploy AI in distressed credit management. But few have adjusted their operating models to deliver distinctive customer experiences and optimize financial outcomes and…
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OneBench interpretation
Institutional assessment
So what
AI adoption in workouts and collections demands restructuring operating models to capture full cost efficiency and recovery value.
Do what
Review current credit workout processes with the team responsible for credit risk management to identify operational bottlenecks.