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Evolving operations
How a large private sector bank in India transformed their operations.
Client
- Client
Challenge- Solution
- Impact
- Conclusion
Client
One of India's largest private sector banks, renowned for its comprehensive suite of financial services with a diverse customer portfolio of large and mid-corporates, MSMEs, agriculture, and retail businesses, found itself at a crossroads. Amidst its ceaseless hum of financial programs, a formidable challenge loomed large: the lack of consistency and integrity in its data, metrics, and processes threatened to risk its legacy
Challenge
As the bank was growing, a maze of data sources emerged, each presenting its own set of challenges:
Their challenges included:
1
Data deluge: The bank faced challenges managing vast amounts of data from various sources such as the capital engine, rating models and several Excel spreadsheets. This inundation of data created complexities and made it difficult to maintain clarity within the systems.
2
ETL conundrum: Extracting, transforming, and loading data posed significant challenges due to the differing formats and frequencies across the various source systems. This complicated the traditional ETL processes, requiring additional effort to streamline data management.
3
Defining the undefined: Without common data definitions and standards, determining computation methodologies for risk metrics became challenging. This lack of clarity made it akin to navigating through darkness, searching for elusive solutions.
Solution
To address the challenges, the bank implemented advanced analytics, adopting the rt360 solution from Bahwan CyberTek:
1
Integrated insight: By integrating a comprehensive risk dashboard with strong ETL processes and modern reporting software, the bank enhanced its data management practices, promoting clarity and consistency.
2
Holistic visibility: Throughout the organization, from senior management to operational teams, a range of detailed insights surfaced, providing a comprehensive understanding of the bank's operations and potential areas of concern.
Impact
With this innovative solution in hand, the bank set on a new path in improving its organizational practices:
Despite facing challenges such as the complexity of data extraction, transformation, and loading processes, and the absence of standardized data definitions and standards for risk metrics computation, the bank persevered in its quest for improvement
1
Integration & centralization: A centralized repository became pivotal in this transformation, bringing together various data sources to streamline operations and enhance collaboration between risk and finance departments.
2
Dashboards redefined: Executive dashboards underwent significant updates, transitioning from static displays to dynamic tools that provided actionable insights, facilitating quicker responses to emerging trends and opportunities.
3
Unveiling root causes: Through portfolio analysis, the bank gained insights into the underlying causes of challenges, enabling proactive decision-making and setting the stage for sustainable growth and resilience.
4
Transformation in Data Management: Overhauled data management approach resulted in enhanced reporting accuracy, more precise risk identification, and informed decision-making.
5
Establishment of Standardized "Organization Memory": Developed a centralized repository spanning over 5 years of historical data, providing a comprehensive reference for strategic planning and analysis.
6
Streamlined Data Processes: Significantly decreased delays in data pooling, aggregation, and analysis, expediting management reporting cycles and improving operational efficiency.
7
Empowering Senior Management: Enabled access to incisive and actionable insights for senior executives, facilitating informed decision-making and strategic direction.
8
Enhanced Credit Decisioning: Improved accessibility to a wide range of historical data led to more informed credit decisioning processes, reducing risk exposure and enhancing portfolio management strategies.
Conclusion
The adoption of Bahwan CyberTek's rt360 solution has transformed the operational dynamics of a leading private sector bank in India, driving it towards unprecedented levels of operational efficiency and effectiveness. By overcoming the formidable challenges of data inconsistency and operational inefficiencies, the bank has not only streamlined its processes but also fostered a culture of proactive decision-making and sustainable growth. With integrated insights, redefined dashboards, and a deeper understanding of root causes, the bank stands poised at the forefront of innovation, ready to chart new paths and redefine the future of financial services in India.
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Bahwan CyberTek processes your personal data for the performance of the contracts, employment concluded with you, compliance with applicable legal or regulatory obligations or Bahwan CyberTek’s legitimate interests to provide you with adequate and qualitative information about products and services and to prevent against any excessive risk.
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Bahwan CyberTek is committed to providing the highest level of protection regarding the processing of their vendors’/clients’/customers’/job applicants’/website visitors’ personal data based on applicable data protection laws and regulations at respective locations. In general, you can visit the Bahwan CyberTek website without providing personal data. However, there are times when Bahwan CyberTek will request personal data.
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In this Privacy Policy, “personal data” is any data which relates to an individual who may be identified from that data, or from a combination of a set of data, and other information which is or may be in possession of Bahwan CyberTek, for instance information about your identity and contact details (such as name, email-ID, contact number).
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