Case Study: CRIF High Mark achieves 85% faster credit-query responses and 80% faster data loads with Oracle Exadata

High Mark Credit Information Improves Customer-Credit Query Responses by 85%, Gains Competitive Advantage

High Mark Credit Information Services, India’s first full‑service credit bureau licensed by the Reserve Bank of India, manages the country’s largest microfinance database and processes daily data from hundreds of financial institutions. Rapid growth exposed limits in its legacy IT: slow data loads and backups, inability to meet 24‑hour turnaround for credit‑quality reports, and operational complexity from multiple vendors that hindered timely problem resolution.

High Mark implemented Oracle Exadata Database Machine with Oracle Platinum Services and Auto Service Request, replacing the multi‑vendor stack with a preconfigured engineered system. This cut data‑load times by 80%, sped customer‑query processing by 85%, halved backup time, delivered 24/7 availability, reduced deployment time to one week, and simplified support—boosting responsiveness, reducing risk and costs, and strengthening its competitive advantage.

CRIF High Mark

Pinkesh Ambavat

Vice President, Head of Bureau Systems