FinTech & Financial Services

Building a Real-Time Analytics Platform for a Growing FinTech Lender

8 hrs→15 min
Time to generate loan portfolio report

The Challenge

ClearFlow's risk team was generating daily loan portfolio reports by manually exporting CSVs from four different systems — their origination platform, servicing system, CRM, and accounting software — and consolidating in Excel. The process took 8 hours per day and was prone to formula errors. Leadership had no real-time view of portfolio health, making it impossible to react quickly to emerging credit risks.

The Solution

Zenarix architected a Snowflake data warehouse and built dbt-managed transformation pipelines that ingested data from all four source systems in real time. We designed a governed data model covering the full loan lifecycle and built 12 Tableau dashboards covering portfolio health, origination pipeline, delinquency trends, and commercial performance. We also integrated HubSpot CRM bidirectionally so that loan officers had a unified view of each customer's financial relationship directly in their workflow tool.

The Results

97%
Reporting Time Saved
What took 8 hours of manual work now runs automatically every 15 minutes, no human intervention.
12
Live Dashboards
Covering portfolio health, origination, delinquency, commercial performance, and compliance metrics.
$240M
Portfolio Under Management
Full real-time visibility into the entire loan book for the first time in the company's history.
3 hrs
Faster Risk Decisions
Early warning delinquency models enable risk team to act hours before manual processes would flag issues.

“We went from flying blind to having a real-time command center for our portfolio. It fundamentally changed how our risk committee operates.”

— Chief Risk Officer, ClearFlow Financial

Technologies Used

SnowflakedbtTableauPythonHubSpot APIApache KafkaAWS S3Airflow

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