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From data delays to decisive action: Transforming collections with a modern data platform
The challenge | When yesterday’s data was driving today’s decisions
For one of India’s largest private sector banks, timely data is critical to effective customer payment recovery. Collection teams managing credit cards and other loan products need the latest customer information by 8 a.m. to plan their day, from prioritising accounts to scheduling field visits.
But inefficient data processing meant T-1 data was often available much later in the day. As a result, collection agents were forced to work with T-2 data, which limited their ability to act on the latest customer information and created delays in payment recovery
The challenge was compounded by long-running batch processes in downstream systems, which delayed reporting, reconciliation and access to critical customer information.
The business needed more than faster processing. It needed the right data, at the right time, to enable the right action.
The vision | Turning data into a competitive advantage
Deloitte set out to transform the data processing ecosystem from a time-consuming, fragmented process into a faster, scalable and business-ready data platform.
The vision was simple: make critical customer data available by 8 a.m., every day, giving collection teams the information they need before the day begins.
To achieve this, the solution focused on modernising the underlying ETL ecosystem, eliminating processing bottlenecks and creating a scalable architecture capable of supporting growing data volumes and evolving business requirements.
The breakthrough | Re-engineering the data engine
Deloitte conducted a comprehensive assessment of the existing data flow to identify bottlenecks across data ingestion, processing and downstream reporting.
The solution redesigned the process to ingest data directly into central systems, reducing reliance on intermediate source systems that contributed to delays.
At the heart of the transformation was the migration of legacy PL/SQL-based processes to Informatica Intelligent Cloud Services (IICS). Existing business logic, data quality rules, dependencies and requirements were analysed to create a scalable data architecture with clearly defined Fact and Dimension models.
An existing Operational Data Store (ODS) was leveraged to efficiently manage transactional and historical data, while ETL workflows were redesigned to maximise parallel processing.
Legacy Oracle DB Links were replaced with native Informatica connectors, improving connectivity, scalability and execution efficiency. Redundant variables, fields and transformation logic were also removed, ensuring that processing focused on relevant, business-critical data.
The result: a streamlined data engine built not just to process data faster, but to make it available when the business needs it most.
The impact | From 16 to 4 hours
The transformation delivered a significant improvement in processing performance.
15–16 hours → 3–4 hours: End-to-end data processing time reduced dramatically.
60–70% faster processing: Accelerating the overall data cycle.
8 a.m. availability: Critical customer data made available before collection teams began their day.
6+ million records per cycle: Delinquent customer data processed at a significant scale.
8+ TB database: Large-scale data volumes processed to achieve the outcome.
10%+ of accounts: More precise information enabled through direct extraction from source systems.
Beyond speed, the redesigned data flow improved visibility and traceability across the data journey, while enhancing data accuracy and simplifying downstream processing.
The business value | From information to action
The real value lies in what happens after the data is delivered.
With timely access to delinquent customer information, collection teams can start their day with a more current view of their portfolio, helping them prioritise outreach, plan field visits and act on payment recovery opportunities sooner.
Faster data availability also improves reporting and reconciliation, giving business teams earlier and more reliable visibility into collection activity and customer information.
In this way, the solution moves data from being a processing bottleneck to a business enabler — supporting faster decisions, greater operational efficiency and a more responsive approach to customer payment recovery.
The road ahead | Building for scale, speed and what’s next
The transformation establishes a high-performance, scalable and maintainable data integration foundation for the bank.
By modernising the ETL landscape with Informatica IICS, the bank is better positioned to handle growing data volumes, simplify future maintenance, improve data quality and reduce operational risk.
More importantly, the modernised platform creates a stronger foundation for enterprise reporting, analytics and continued digital transformation — helping the bank make data available faster, act with greater confidence and adapt to evolving customer, business and regulatory needs.
From delayed data to timely action, the transformation has created a data foundation designed to keep the bank moving forward.
