Transforming Credit Analytics With a Compliant Lakehouse at Rabobank

This presentation outlines Rabobank Credit analytics transition to a secure, audit-ready data architecture using Unity Catalog (UC), addressing critical regulatory challenges in credit analytics for IRB and IFRS9 regulatory modelling.

Key technical challenges:

• Legacy infrastructure (HMS + ADLS credential passthrough) lacked granular access auditing, creating governance and compliance gaps
• Limited visibility into lineage across 25+ data sources and many regulatory models

Details:

• A framework for phased governance implementation/migration (UC)
• UC and Lineage-driven refactoring

Outcomes:

• Lineage mapping demonstrating compliance with regulatory requirements
• Granular role-based access control
• Unified audit trails covering 100% of data accesses

Next:

• Lineage visualization toolkit: Custom app for impact analysis and reporting
• Lineage expansion initiative to incorporate upstream banking systems into UC metadata