Success Story

Automated Credit Decisioning for INDEXBANK (Credit Agricole Group, Ukraine)

Client Overview

INDEXBANK PJSC (now Credit Agricole Bank Ukraine) is a universal bank, part of Credit Agricole Group—one of Europe's largest and most respected financial institutions. With a presence in Ukraine since 1993, the bank offers a full range of modern banking services to both corporate and private clients.

Challenge

Amidst rapid growth in lending volumes, INDEXBANK needed to reduce loan application processing times and improve the quality of credit analysis. The main objectives were:

  • Automated collection and analysis of data from multiple internal and external sources (including credit bureaus)
  • Integration with the existing IT infrastructure
  • Flexible management of risk assessment strategies and decision rules
  • Scalability and ease of use for business teams

Solution

After a thorough tender process, the Company and Platform was selected for its:

  • High reliability and robust performance
  • Simplicity of implementation and integration
  • User-friendly design suitable for non-technical staff
  • Modular system for business process automation and multi-source data integration

Implementation & Results

  • Successful integration with multiple credit bureaus and databases
  • Automation of data collection and risk assessment
  • Dramatic reduction in loan application analysis time
  • Flexible configuration for adding new data sources and updating decision rules
  • Project delivered on time, with close cooperation between teams (bank's and company)

Client Feedback

Automation of collecting and evaluating information from different sources allowed us to cut down the time for loan application analysis and collect full and trustworthy information on potential customers. The system enables experts to quickly define and change decision-making rules.

The project has been recognized by the Bank as one of the best IT-projects. Company team proved to be highly qualified, delivering on time and working in true partnership with our experts.

— Jerome Legrain, Board Member, Chief Executive Officer

Key Benefits

⚡

Faster Processing

Faster loan application processing with automated workflows

🎯

Comprehensive Evaluation

Comprehensive and trustworthy credit evaluation from multiple sources

🔧

Flexible Solution

Flexible, scalable solution tailored to business needs

🏆

Award-Winning

Recognized as one of the Bank's best IT projects

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