Case Study: SüdLeasing achieves 80% of credit decisions within 48 hours with ACTICO's Credit Risk Management Platform

SüdLeasing gains efficiency and speed through digitization and automation of credit decisions

SüdLeasing, a Stuttgart-based financing specialist and subsidiary of LBBW, faced slow, manual-heavy credit application processes built on legacy systems that hampered speed, efficiency and innovation. To meet growing customer expectations and regulatory requirements while reducing dependence on legacy vendors, SüdLeasing sought a flexible, future-proof platform for digital risk management and automated credit decisioning.

SüdLeasing implemented the ACTICO Credit Risk Management Platform to build a central “risk cockpit,” integrate financial-statement analysis, and consolidate PD and LGD calculations. ACTICO’s modular, graphical configuration allowed SüdLeasing’s teams to automate complex decisions and maintain the system themselves; as a result, about 80% of credit applications now receive a detailed decision within 48 hours and complex cases dropped from up to six weeks to roughly two weeks, while innovation velocity and audit-compliant traceability have significantly improved.

SüdLeasing

Marco Garbrecht

Product Owner