Tinkoff Credit Systems (IBM WebSphere Lombardi Edition)

The "Online Processing of Credit Requests" project directly infringed on interests and activity of three divisions of Tinkoff Credit Systems bank: Department of information technologies, Department of business technologies and Risk management department.

The department of information technologies aimed to receive in the order the fast and reliable system convenient in administration and support. The task to minimize time of system processing became one of the main calls of the project for a command of Biay Telecom. The bank designated that this time should be measured for minutes, but not hours. At the same time a system is obliged to maintain the maximum load in several thousands of requests per hour. Proceeding from the specified target indicators the majority of architectural concepts was made, on their basis calculation of required hardware resources is carried out, industrial servers purchased and deployed. In the final phase of the project repeated overload tests on an industrial circuit showed that system time of processing at peak load does not exceed fifteen minutes (in real operation there were even less than 5 minutes).

The BPM system developed on the platform is designed to guarantee not only the speed, but also reliability of processing and also flexibility of management of the entering flow of requests. Reliability is provided with an end-to-end error handler which interface visually represents to the administrator all exclusive situations in process. The found errors are grouped in types, search and filtering of results works, are available the detailed description of a situation according to each problem request and all history of processing. Results of industrial tests showed that the volume of unforeseen situations in process is several percent in dive, and existence of an error handler is relevant. For management of an entrance flow of developers "Biay Telecom" the service of deduction of requests allowing to block hands-off processing of copies of the set types for adoption of expert solutions, and then to return the withheld requests to a basic process individually or batches for processing continuation is created. This functionality is actively applied to consideration of controversial requests and quick response to force majeur situations.

The department of business technologies "Tinkoff Credit Systems" made the main goal achievement of transparency, flexibility and adaptivity of new process with an opportunity to make changes to the shortest possible time. The high variability and the continuity of improvements (Continuous Improvement Process) are the cornerstone of the concept of Business Process Management. In addition the IBM BPM system has the built-in means of a versioning of artifacts of development and the publication of releases that allows to adapt quickly already working process to new conditions. Requirements to adaptivity are considered in process and at a stage of architectural design, and during development. High quality of the result achieved in this direction allowed bank to put independently afterwards into operation new sources of client data for increase in reliability of credit scoring. The staff of Biay Telecom developed operational reports about performance measures of process (KPI) for ensuring transparency of process. Data preparation for reports is conducted in IBM BPM, and representation forms in Business Intelligence and Reporting Tools (BIRT). Reports are placed on the internal user IBM Process Portal portal which is included in the standard delivery of IBM BPM.

The management of Department of risks determined by the project objectives, main for itself convenience of development of strategy of adoption of credit solutions and a possibility of effective optimization of these strategy. Developers "Biay Telecom" jointly with specialists of bank designed in IBM BRMS a universal framework for development of new strategy, created model of credit scoring, implemented the basic strategy of decision making according to Internet requests and prepared templates of rules for business users of bank. For efficiency evaluation of strategy analytical reports with figures of merit of the made decisions are created and published on the user portal. Further it allowed the staff of department of risks "Tinkoff Credit Systems" independently, with the minimum participation of programmers, to finish and put the updated strategy of adoption of credit solutions into operation, is continuous them improving.