Sberbank of the Russian Federation (Pegasystems BPM)

Automated credit process and monitoring by PEGA BPM banks

2020

Create a fully automated corporate credit process

Creation of a fully automated corporate credit process with minimal human participation. Preparation of pre-approved proposals using artificial intelligence technologies. The first release of the system was released in 2018.

The Loan for 7 Minutes project remains in an active phase and continues to develop. The system is constantly improving, its new releases are issued quarterly. Sberbank is gradually extending the process to its territorial banks.

Project Results:

• Review Corporate Customer Credit Requests in Minutes
• The cost of the transaction process is several times lower than with standard lending
• Sberbank's business clients should not personally come to the bank's office to receive a loan
• As of 2020, as part of the Credit for 7 Minutes service, offers are available to more than 12.5 thousand customers throughout Russia.

End-to-end automation of the credit process

End-to-end automation of the credit process for the segments "Medium," "Large," "Largest." A single space has been created for all participants in the process with all the necessary information on the customer and the transaction.

Project Results:

• Expedite credit application from several weeks/months to several hours/days
• Process decomposition into small sub-processes that can be reused at different stages of the main process
• Modular solution architecture.
• Allocating basic activities to overused components;
• Implementation of Process Mining technology, which monitors the process and finds ways to implement it.
• Total user satisfaction is 96%.
• Absence of blocking defects in PROM.
• Less than 0.05 calls/incidents to 1 deal.
• Intuitive and convenient interface of personal rooms of the participants of the process

2019: Sberbank's business with counterparty banks

• 100 + countries of presence
• 1000 + counterparties
• 100 + products
• 20 underwriters

2016

Automation of court work of Sberbank

The judicial work of Sberbank is automated, a single system has been created that is scaled up for all Sber territorial banks, several tens of thousands of employees have access to it.

Project Results:

• The system ensured the integrity and relevance of information on court cases involving the bank;
• organized the work of specialized specialists of the legal service;
• The system has collected a knowledge base on various legal practices, it contains information on several million court cases, both current and completed.

Project implementation period: 2012-2016

Automation of the work of the legal department of Sberbank

The work of the legal department of Sberbank is automated, a single window of legal service for an internal client has been created. Bank employees work with the system in a single interface, which ensures the creation of a request card and automatic sending, based on its nature and the necessary legal competencies of the contractor.

Project Results:

• The governance and efficiency of the Legal Department has been radically improved;
• reduced time to start handling;
• The number of cases processed daily has increased;
• structured storage of documents and generation of documents;
• increased transparency and predictability of referrals.

Project implementation period: 2011-2016

2012

Victor Orlovsky of Sberbank: Our project to implement the BPM system is unique for both the Russian and the global market. In 2010, we began testing the Pegasystems solution, brought this vendor to the Russian market. The solution was liked by the fact that you can start any business process in the system easily and quickly - from a week to several hours, depending on the complexity of the process. This is not even done by the IT user, but by the business user. The BPM system shows the performance of participants and groups included in the process, "bottlenecks" of processes in which something can be improved. Moreover, each participant can compare the effectiveness of his work with colleagues and with his own effectiveness yesterday. The interface is very clear and simple. Nothing needs to be programmed in the system. Because of this, such decisions will have opponents, because programmers must justify their jobs and probably offer something better. We have already tested the system in two dozen processes and are going to develop it in 2011-2012.

Speaking to the audience of the BPM Forum (Business Process Management) in December 2012, LANIT - Bi Pi Em CEO Reimer Denis spoke about the creation of the BPM practice as part of the LANIT group of companies in early 2011, which was based on significant experience of the company's specialists in integration and BPM projects.

Denis Reimer described in detail the LANIT - Bi Pi Em projects on end-to-end automation of business processes in Sberbank of Russia, emphasizing that work is carried out in several processes of three areas at once - in the operational, retail blocks and the legal department of the Central Office of the bank. The first process was put into pilot operation 3.5 months after the start of work, and today part of the processes is at the stage of industrial operation and is being replicated into the territorial divisions of Sberbank of Russia.

The supplier of the platform for projects in Sberbank was Pegasystems, which, according to leading analysts, is the world leader in the field of VRM and Case Management. Reimer praised Pega's unique implementation methodology, platform flexibility and integrity, and the lack of coding in automation.

Presentation by Denis Reimer "BPM. Adventure. Start "