Case Study: Volkswagen Financial Services achieves centralized, regulatory-compliant credit risk management and global roll-out with the ACTICO Credit Risk Management Platform

VWFS uses the ACTICO Credit Risk Management Platform

Volkswagen Financial Services, the captive financial services arm of the Volkswagen Group and one of the largest automotive finance providers operating across 48 countries, needed a robust, compliant solution for credit risk assessment of corporate clients (dealers, fleet leasing clients) and a scalable platform for global rollout and integration with core-banking systems. To meet these challenges they selected ACTICO and deployed the ACTICO Credit Risk Management Platform.

ACTICO implemented a multi-tenant, centralized credit risk management solution—including the ACTICO Financial Spreading Module, integration with core-banking systems, internal rating models and workflows, and an early warning system—enabling VW FS to standardize client data management, quantitative and qualitative risk assessment, and monitoring. The ACTICO platform has been rolled out to more than 25 VW FS subsidiaries, delivers faster, drag-and-drop model implementation, and supports regulatory requirements (CRR/CRD, BCBS, GDPR), improving consistency and scalability of credit decisions across the organization.

Volkswagen Financial