TBC Bank Chooses GDS Link to Power Credit Decisioning for Retail Lending

WHY THIS MATTERS: This news is significant because it illustrates the essential shift happening across established financial institutions globally: moving core credit risk management capabilities from outsourced IT to internal business ownership. TBC Bank’s decision to adopt a flexible decisioning platform is less about a vendor switch and more about achieving sovereign control over their underwriting and product lifecycle. In a world where digital lending speed determines market share, banks can no longer afford to be reliant on long development cycles for every policy change. This modernization provides the agility to rapidly launch, test, and adapt new retail and small business offerings, while simultaneously satisfying regulatory demands for transparency and governance over automated credit decisions. This sets a standard for how forward-thinking regional banks are future-proofing their balance sheets and consumer experience.

GDS Link, a leading provider of credit decisioning technology, has been selected by TBC Bank, one of the largest commercial banks in Georgia, to deliver a modern, policy-driven credit decisioning platform supporting retail and small business lending.

Following a competitive RFP process, TBC Bank undertook a strategic review of its existing decisioning capability, with a focus on improving transparency, governance, and internal control over credit policy execution. The bank selected GDS Link to support the transition to a more flexible and scalable decisioning architecture, enabling the launch of new products across digital channels.

GDS Link has now successfully supported the implementation of TBC Bank’s first retail secured loan product, enabling risk teams to design, configure, and manage credit strategies directly within the platform. TBC Bank personnel can now independently build and adapt credit flows across additional products, reducing dependency on specialist resources and accelerating change cycles.

“This partnership represents an important milestone in our credit transformation journey,” said Lela Bibilashvili, Risk Tribe Lead at TBC Bank. “By adopting GDS Link’s flexible decisioning platform, we have strengthened our ability to innovate across lending products while giving our teams direct control over credit policy design and execution.” 

“TBC Bank is a highly progressive institution with a clear vision for scalable, data-driven lending,” said Lisa Bonalle, CEO at GDS Link. “We are proud to support TBC Bank as it modernizes its credit decisioning environment and empowers its teams to rapidly deploy and evolve new credit products with confidence. This collaboration further strengthens our footprint among leading banks across emerging and international markets”

The partnership strengthens TBC Bank’s credit-risk infrastructure by providing greater visibility across decision logic, faster policy iteration, and a future-proof foundation for multi-product and multi-market growth. For GDS Link, the engagement reinforces its position as a trusted partner for banks seeking to modernize legacy decisioning environments with greater control, agility, and resilience.

FF NEWS TAKE: This engagement is a clear signal that the era of monolithic, inflexible credit systems is over. By empowering risk teams to directly manage policy, TBC Bank has gained a powerful competitive accelerator. This move will certainly move the needle for them, not just in Georgia, but as a model for regional banks seeking high-velocity digital lending growth. The key metric to monitor next will be the acceleration of TBC’s new product launch cadence across SME and retail portfolios, proving the platform’s true value.