Rabobank Wholesale & Rural Banking
Finaps is the engineering partner behind Rabobank’s Wholesale & Rural credit platform.
Rabobank W&R serves large corporates, commodity traders, private equity firms and financial institutions across the Netherlands and internationally. As the world’s leading bank in Food & Agri, Rabobank operates in a complex, global and heavily regulated environment.
Finaps works across the full credit lifecycle: from deal origination and sustainability assessment to credit approval, servicing and monitoring. We have built and maintained multiple applications that automate key processes, reduce manual work and improve data quality across the division.
“Finaps has had a great impact on our success. We couldn’t have done it without them. What we have in common is a focus on delivery and results.”
Irene Ronner – Senior Tech Lead, Rabobank Credit & Engagement
What we built
Finaps delivered multiple applications across the credit lifecycle, from origination to monitoring.
Arrow C&EPolicy EngineSustainability AssessmentPortfolio Analysis
Wholesale credit risk journey
Arrow Credit & Engagement is a unified front-end for the entire Wholesale credit risk journey: from prospecting and deal origination to credit application, approval and client management. One application that connects relationship managers, credit analysts, product experts and back-office teams globally.
Previously, writing a credit application was a manual exercise spread across disconnected systems with little integration. Arrow replaced that with automated data capture, a collaborative rich text editor for credit reports, integrations with 10+ Rabobank systems, and a custom security layer based on business line, region and client context.
The MVP was delivered within one year. Finaps engineers continue to work alongside Rabobank teams to maintain and extend the platform.
The Right Partner for Success
The benefits of working with a partner were twofold: Rabobank could leverage Finaps’ expertise to implement foundational best practices from the very start, and their internal Mendix developers could learn by co-developing alongside seasoned experts.
“Finaps has had a great impact on our success. We couldn’t have done it without them,” said Ronner. “I think what we have in common is a focus on delivery and results. Finaps was always committed to delivering and figuring things out with us, which has been key to our successful cooperation.”
Together, Finaps and Rabobank have delivered several applications over the years.
Policy Engine
For Rabobank’s Rural division, Finaps built a Policy Engine that automates the application of credit policy rules across the loan origination process. By codifying complex policy logic into a dynamic rule engine, the application reduces manual interpretation, improves consistency and shortens turnaround times for rural lending decisions.
Sustainability Assessment Tool
As part of the credit origination process, Rabobank assesses the sustainability profile of each client. Finaps built a dedicated tool that guides credit teams through the sustainability rating determination, integrating ESG criteria directly into the deal workflow and ensuring compliance with Rabobank’s responsible banking standards.
Portfolio Analysis
Finaps built portfolio analysis tooling that gives Rabobank’s credit and risk teams real-time insight into the composition and performance of their loan portfolio. The application aggregates data from multiple source systems, enabling faster and better-informed credit management decisions at portfolio level.
The credit process
Finaps is active across the full credit lifecycle, from prospecting and deal origination through to credit approval, fulfilment and ongoing monitoring.
