About Home Credit
Home Credit is a leading international consumer finance provider operating across Europe and Asia, offering loans, credit cards, and insurance products. Founded in 1997, it processed over 73 million credit requests and onboarded 25 million customers in a single year — with operations spanning China, India, the Philippines, and beyond.
The Challenge
Fragmented data across 9 countries was slowing everything down
With each country running its own systems and standards, Home Credit's finance teams couldn't get a clear picture across markets. Three problems compounded each other:
Data silos
With operations spread across multiple countries, each with its own systems and standards, Home Credit struggled to consolidate data from diverse sources, leading to inefficiencies and delays.
Inconsistent data governance
Different departments used various metrics and definitions, causing confusion and lack of trust in the data. This inconsistency made it difficult to produce reliable reports.
Security concerns
As a regulated financial entity, Home Credit needs to ensure stringent data security and governance across all its operations.
These challenges were not only slowing down the firm's decision-making but also required extensive manual effort, impacting the firm's overall efficiency and business agility.
“”
Radek Pluhar
Group CEO, Home Credit International
The Solution
Home Credit partnered with Keboola to address these challenges through a structured, phased implementation approach
Unified data Platform
Keboola provided Home Credit with a centralized platform to integrate and manage data from various sources, ensuring consistent data formats and definitions. This enabled Home Credit to consolidate data from multiple countries and systems seamlessly.
Data Governance and Security
Keboola's robust data governance framework allowed Home Credit to control data access and ensure compliance with regulatory requirements. The implementation of TA access management regulated permissions for the different views of data, thereby maintaining high security standards.
Incremental Implementation
The solution was deployed incrementally, starting with the finance data and then expanding to other areas, like risk, HR, and CRM. This approach minimized disruptions and allowed for continuous improvement and scalability.
Automation and Efficiency
By automating data processing and reporting tasks, Keboola reduced manual effort and improved the accuracy and timeliness of reports. This transformation enabled employees to focus on higher-value analytical tasks rather than mundane data crunching.
The Impact
Since implementing Keboola, Home Credit has realized significant improvements in data management and business operations
FP&A reporting that previously took weeks now runs automatically. Finance teams across the group get a consolidated view of all markets every day — without waiting for the monthly close.
25%
Automated reporting
25% of all group-level reporting fully automated from day one — reports that took weeks now run in minutes.
9
Data trust restored
Standardised definitions restored confidence in the numbers across all markets. Everyone works from the same source of truth.
Daily
Daily insights
Real-time data access replaced the monthly close wait — insights available every day across all 9 countries.
5×
Platform that scales
Expanded from finance to risk, HR, and CRM without disruption — the platform grew with the business.
Increased efficiency
Automated 25% of all reporting efforts at the HQ level, significantly saving time and resources.
Improved data quality and consistency
Standardized data definitions and governance have led to more reliable and trustworthy reports.
Employee empowerment
The automation of routine tasks enables employees to focus on more analytical and strategic work, increasing job satisfaction and productivity.
Enhanced decision-making
Instant access to detailed and high-level data has improved fact-based decision-making across the organization.
Scalability and flexibility
The incremental implementation approach allows for continuous scaling and adaptation, ensuring the solution can meet evolving business needs.
These outcomes demonstrate the transformative impact of Keboola on Home Credit's data management capabilities, driving operational excellence and supporting the company's growth objectives.
“”
Vendula Chižňáková
Group CFO, Home Credit International
