The business
Our client is a West Coast-based servicer with more than 1,000 people, running credit card programs for banks and lenders across the US. It handles every step from new accounts to payments and collections. Its mission is to give every cardholder a better experience, and to help its partners grow their programs.
The challenge
Bringing a growing business together
Several companies, several warehouses
Each acquired company brought its own on-premises data warehouse, built around its own card programs and processes.
Many partners
Call center, collections and servicing partners each held part of every cardholder’s history.
A full cardholder profile
Leadership wanted to see each cardholder’s accounts, transactions, payments and service history in one place, and use that view to grow the business.
Ready for AI
The client wanted its data ready for AI when the first use cases came up.
The solution
What we delivered
- Strategy and roadmapMonths 1 to 2
- Platform and migrationMonths 3 to 9
- Cardholder profilesMonths 10 to 12
- Data strategy and roadmap
- Agreed with leadership, with data sources ranked by business value.
- One enterprise platform
- Azure and Databricks replaced 5 on-premises data warehouses, moved one at a time while the business kept running.
- Every source connected
- 25 sources, including the acquired companies, every card program, and partner systems for call center, collections and servicing.
- Controls built in
- Access controls, data quality checks and lineage, so every team knows where each number comes from.
- One profile per cardholder
- Accounts, transactions, payments and service history together, refreshed daily. Parkar and the client’s teams used the profiles to spot where new products could grow the business.
Results
The outcomes
New product lines
Launched, with new offers for existing cardholders, based on what the profiles showed.
Faster reporting
Teams report from one platform with one set of numbers.
To add an acquisition
A newly acquired company’s data joins the platform in about 6 weeks.
Parkar helped us bring every part of our business onto one platform. Two new product lines came out of what we learned from it.
What’s next
With the foundation in place, the client plans to add AI in collections and cardholder servicing, built on the same governed data.