With businesses getting an overwhelming response, customer debts started to grow exponentially, and associated recovery was always a challenge at an overall level. The company had been storing a large volume of relationship data points for a long time, but none of this could be put to use to calculate the risk score. This resulted in the collections department’s is being handicapped in the recovery of certain bad debts. The data warehousing team at this big financial services company analysed large sets of customer records collected from sources such as loan management systems and credit bureau data.
The data warehouse architecture entailed importing all data into an OLAP database, calculating and speculating on a “Risk Profile” with human intervention, and then loading it into the ultimate master database.