WFS Financial implemented seleqtech solutions to improve decision making and reporting across key business areas like profitability, credit quality, and process performance. The solutions included establishing a scalable data warehouse architecture sourcing from various internal and third party systems. This allowed improved targeting, decreased losses, refined credit scores and policies, and process efficiencies through timely access to consolidated data and insights. The iterative implementation of six subject areas over 1.5 years benefited business users with increased profits, quality, and resource efficiency.

1. seleqtech
of special quality
WFS Financial Improves Decision Making & Reporting Using seleqtech Solutions
Solution Overview
Solution & Services Summary
The primary objective for the data warehouse
Industry was to improve decisions within the major
Financial Services functional areas for WFS Financial, such as
profitability, loss management, credit quality,
Business Function associate and process performance. This was
Automobile Finance Company accomplished through establishing a scalable
technical architecture that supports WFS
Time to Deploy Solution Financial within the decision support area and
Six subject areas implemented iteratively establishing an implementation plan with a
within 1 ½ years: phased approach that is prioritized based on
- Application essential business drivers.
- Loan
- Delinquency
Business Benefits
- Charge Off
- Cumulative Loss
- Profitability
• Increased profitability through an increase in
timely dealer/customer information and an
improvement in product/customer/
Architecture
geographical targeting.
Data is sourced from in-house databases and
various third-party applications. It is stored • Increased credit quality through a decrease
nightly in an Oracle staging database where in loss, improvement of collections,
the data is then transformed and loaded into refinement of credit scores, established
an Oracle database utilizing a star-schema timely credit policy revisions, established
model. The data is made available to the better loss management, decrease in
users via the MicroStrategy suite of tools and a delinquency, and increase in recoveries.
few other direct-access tools, including Brio • Improved process efficiencies through a
and MS Access. Data mining is accomplished decrease in the turnaround time of the loan
via SAS and SPSS. process by having a tool to understand the
application process trends and timing of
Software/Hardware Used activities.
HP Unix Server • Improved financial efficiencies by
Oracle establishing triggers that quickly identify
Informatica when thresholds are met.
Brio
MicroStrategy DSS Server/Agent/Narrowcast
• Improved resource efficiencies by allowing
valuable resources to focus on other projects
MicroStrategy 7i
and analysis, rather than servicing common
SAS
independent or unstructured information
requests.
Performance
Number of users: 200’s • Improved the understanding of data
Size of the database: 500 GB elements and agreement of business
OLAP type: ROLAP definitions across business areas.
About seleqtech
seleqtech provides best-of-breed, powerful data integration and analysis/reporting capabilities that
empower general business users to glean the critical information required for timely, more informed
business decisions across the entire enterprise. The company's "Best of Breed" philosophy combined
with extensive industry experience help clients to effectively change their behavior regarding their use
of information to foster enterprise competitive advantage.
About The Client
As one of the nation’s largest independent auto finance companies, WFS Financial has been an
industry leader for over 30 years. WFS specializes in the origination, securitization, and servicing of
new and pre-owned retail automobile installment sales contracts generated through its relationships
with franchised and select independent automobile dealers nationwide. With approximately 8,200
dealer relationships nationwide and a portfolio of over $11 billion, WFS is the nation’s largest non-
captive securitizer of automobile contracts.
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