nCino has announced the launch of ProBanker by FullCircl, a new product designed to support UK lenders in identifying opportunities and managing risks within their portfolios.
FullCircl, a client lifecycle management technology acquired by nCino in 2023, underpins the new offering, which was developed in collaboration with Experian.
The introduction of ProBanker comes at a time when the financial services industry faces increasing pressure to deliver faster and more accurate lending decisions. Relying solely on internal data has proven insufficient, prompting demand for solutions that enable a broader, real-time view of customer credit and risk exposure.
Founded in 2012 and headquartered in Wilmington, North Carolina, nCino provides financial institutions with a cloud-based banking platform designed to streamline processes, enhance compliance and improve customer experience. The company serves banks and credit unions worldwide, offering solutions that cover onboarding, lending, deposit account opening and portfolio management.
ProBanker aims to deliver near real-time visibility into commercial credit status, affordability and liquidity across the UK lending market. It is powered by Experian’s commercial bureau data, insights and expertise, giving financial institutions the tools to track and monitor customer portfolios and individual accounts alike.
In addition to helping banks act on timely funding opportunities, the solution provides access to around 18m UK commercial credit accounts and business current account data, extending beyond the mandated CMA9 banks. By doing so, it allows providers to strengthen portfolio health, detect early warning signs of distress, accelerate funding processes and improve engagement with personalised outreach.
Early pilots of ProBanker have demonstrated promising results. A trial with a major UK bank found that the product enabled credit risk detection an average of six months earlier than existing processes, while also identifying customers suitable for extended or new funding products.
Immy Tugcu, associate director – product management at nCino said, “This isn’t theoretical – it’s about solving the fundamental problem every commercial lender faces: How do you assess true customer risk and identify opportunity when you only see part of their financial picture? ProBanker represents a timely and transformational capability for both traditional and alternative funding providers looking to improve portfolio performance, retain market share and meet growing expectations around speed, compliance and customer experience.”
Experian UK&I chief product officer for business information services David Gallihawk said, “In today’s fast-paced and increasingly complex lending environment, real-time, high-quality data and insight are the bedrock of being able to make confident, informed decisions at speed. ProBanker delivers exactly that. Our collaboration with nCino will bring greater transparency and help modernise lending opportunities, allowing clients to unlock deeper value from their portfolios.”
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