At the Sicredi Credit Cooperative, the process of providing funds to members for loan requests underwent changes when the institution signed an agreement with Rabo Financial Institutions Development (RD), a development arm of the Dutch Rabobank Group, which operates in 40 countries.

The agreement resulted in new credit granting regulations and the need for a comprehensive methodology for the development, creation, and implementation of projects, including performance indicators and scenario simulations to support decision-making. It was also necessary to introduce KPIs (Key Performance Indicators) to monitor performance and enable simulations.

Stefanini Scala was tasked with creating the necessary tools. The developed solution included the creation of business rules to calculate credit and risk limits based on customer profiles, and improved customer profile scoring. Imagine simulating scenarios with a group of teenagers to determine the potential for short-term loans within this niche market. The indicators helped measure the credit potential that could be offered if certain rules were met.

The new system resulted in greater operational efficiency, reducing response times and costs for determining credit scores, as well as providing a qualitative response with the reasons for short-term loan rejections. A real game-changer!

TOOLS UTILIZED:

IBM ODM – Operational Decision Manager

WebSphere Operational Decision Management

WebSphere Application Server.