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 modeling.

Key technical challenges included legacy infrastructure (Hive metastore, ADLS mounts using Service Principals and Credential passthrough) lacking granular access controls, data access auditing and limited visibility into lineage, creating governance and compliance gaps.

Details cover a framework for phased migration to UC.

Outcomes include data lineage mapping demonstrating compliance with regulatory requirements, granular role based access control and unified audit trails.

Next steps involve a lineage visualization toolkit (custom app for impact analysis and reporting) and lineage expansion to incorporate upstream banking systems.