Sberbank is Russia’s largest bank, with over 6.5 million retail customers, served through more than 750 branches and 20,000 sales offices. The ability to maintain tight control of lending decisions across such a large network is a major priority for the bank. During 2008, Sberbank began a multi-stage project to implement Experian’s full suite of Strategy-Management systems in order to centralise the control of its lending strategy and enhance decision making at each stage of the bank’s relationship with customers.

Strategy Management will be used for deciding whether to accept customer applications and on what terms, monitoring customer performance and determining the best time to offer new products and, if accounts fall into arrears, deciding on the appropriate follow-up actions.

Vadim Kulik, Director of Sberbank’s Centre for Development of Centralised Retail Credit Back-Office: “Experian is providing Sberbank with the most advanced analytical technologies to control our lending operations. These will give us much greater control of risk, while increasing our business effectiveness and enabling us to automate millions of decisions each year. For our customers, it will mean we can make faster decisions and offer products that are more relevant to their individual needs and circumstances.”

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