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DKMS
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S-Kreditpartner Runs Risk Controlling with Exasol
How S-Kreditpartner Runs Risk Controlling Across Millions of Consumer Loans
Case Study
Executive Summary
As a partner within the Sparkassen Finance Group, S-Kreditpartner GmbH (SKP) specializes in consumer and auto loans. With more than 800 employees, the company works together with around 96% of German savings banks, serving approximately 1 million borrowers and managing a loan portfolio of about €12 billion.
Exasol has long been successfully used as the data foundation for the central data warehouse (“Union DB”). For this reason, SKP also chose Exasol when developing its new risk controlling system.
Due to the large and continuously growing data volume (currently 25 TiB in the data warehouse and 16 TiB in risk controlling, with around 4 TiB growth per year), SKP benefits from Exasol’s high performance, ease of use, and low administrative effort. For business-critical risk controlling, scalability and high availability are also key requirements.
Results at a glance
100 percent availability for mission-critical banking systems
Low entry barriers for users, power users, and developers thanks to ease of use
Simple scalability for large, rapidly growing data volumes
Support for strict security and compliance requirements in banking
Virtually no performance tuning effort and low administrative overhead
Company profile
S-Kreditpartner GmbH (SKP) is the specialized partner for consumer loans within the Sparkassen Finance Group. Founded in 2011, its goal is to expand market share in consumer lending together with partner savings banks.
In cooperation with around 325 savings banks, SKP markets financing products both in local branches as well as online or by phone.
With around 800 employees and a portfolio exceeding €12 billion, SKP focuses on intelligent processes for particularly fast and simple loan approvals. Innovations such as “S Kreditper-Klick” enable fast, seamless loan completion and strengthen the competitiveness of savings banks against fintechs and direct banks.
Location
Germany
Employees
800
Industry
Consumer and auto loans
Use Case
DWH powered by the Exasol Database
The Challenge
Risk Calculations Across Millions of Consumer Loans
As a specialist in installment loans within the Sparkassen Finance Group, S-Kreditpartner (SKP) manages a vast number of individual contracts. The main challenge lies in the complexity of risk calculations:
- Mass processing: Millions of loans require an engine capable of calculating metrics such as default probabilities and ratings within seconds
- Complex models: The so-called “cash flow engine” must recalculate expected payment streams (similar to interest and repayment schedules) daily for all accounts and write them back to the database
- Critical infrastructure: Risk management is the core of operations – system failures or slow reporting are not acceptable from a regulatory or operational perspective
- Fragmented data landscape: Different departments sometimes worked with inconsistent data sets; a unified “single source of truth” was essential
- Rapid data growth: With over 40 TiB of data and annual growth of around 10%, demands on performance and scalability continue to increase
The Solution
Why S-Kreditpartner Chose Exasol Again
After using Exasol in its BI data warehouse, S-Kreditpartner built its new risk controlling system on Exasol as well.
Exasol supports S-Kreditpartner’s requirements through:
- In-memory performance: Fast loading of massive data volumes, complex calculations, and minimal response times
- Cluster architecture: Ensures the required high availability for critical banking processes
- Easy integration: Seamless connection to Power BI (Report Server) for standard reporting and SQL clients for ad hoc analysis
- Private cloud deployment: Flexible operation in a private cloud via a specialized partner within the Sparkassen Finance Group
The Results
Operational Excellence for Mission-Critical Banking Analytics
S-Kreditpartner’s IT strategy combines data centers within the Sparkassen Finance Group with cloud solutions. Exasol remains a central component of its analytics and risk-controlling environment.
Low entry barrier
New developers and business users do not require special training to write high-performance SQL queries.
Minimal administrative effort
Database administration and performance tuning efforts have been significantly reduced, allowing IT teams to focus on value-adding tasks.
Improved risk management
Complex models such as recurring recalculations of portfolio ratings and cash flows can be executed faster and more accurately – essential for sustainable lending.
Future readiness
SKP continues to develop both its data warehouse and risk controlling systems. With expected data growth of around 4 TiB per year, scalability remains a key success factor.
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