Driving Green Finance: ProCredit’s Strategic Build

Executive Summary

Client: ProCredit Bank

Industry: FinTech

Engagement: Custom Platform Development, Consulting

Country: Europe and Latin America

Project at a Glance

ProCredit Bank faced growing challenges with Excel-based green loan impact assessments due to increasing data volume, manual processes, and regulatory complexity. VOLO developed EcoModule, a custom platform that automates impact calculations, simplifies data input, and integrates with Power BI for real-time ESG tracking.

As a result, EcoModule replaced fragmented workflows with a secure, scalable system, improving ESG reporting, reducing errors, and enabling compliance across multiple countries. Meanwhile, VOLO’s consulting services boosted ProCredit’s internal digital capabilities.

10+

countries enabled

100+

bank entities supported

1000s

of green loan records processed

years of strategic collaboration

About the Client

ProCredit Bank is a development-focused commercial banking group operating in over 10 countries across Europe and Latin America. Known for its commitment to sustainability and SME support, the bank integrates environmental and social responsibility into its core operations.

As ESG regulations tightened, ProCredit required a digital solution to assess and report the impact of green loans at scale. VOLO was selected to build a secure, scalable platform that meets compliance needs and supports long-term digital growth.

The Challenge

In 2019, new regulations required banks to report non-financial indicators across their loan portfolios.

To meet these demands, ProCredit Bank relied on Excel templates to assess the environmental impact of its green loan portfolio. These templates handled both data input and complex calculations across CO₂ emissions, energy savings, and water usage.

While initially effective, the approach quickly became difficult to manage as operations scaled.

Key Challenges

New staff found the logic behind formulas hard to follow
Version control issues led to conflicting files and data loss
Manual input increased the risk of calculation errors
Frequent updates made consistency and governance difficult

After reviewing inflexible, non-compliant off-the-shelf tools, ProCredit opted for a custom platform that’s scalable, auditable, and adaptable to evolving regulations.

Our Solution

VOLO replaced ProCredit’s fragmented and error-prone system with EcoModule, a cloud-based, multi-tenant platform designed to automate and streamline green loan assessments from start to finish.

The new solution not only reduced manual effort and minimized errors but also enabled faster, more consistent decision-making across the organization. EcoModule supports ESG compliance at every step, ensuring that all loan evaluations meet regulatory standards and internal sustainability criteria. The platform was carefully designed to fit ProCredit’s existing workflows, reporting requirements, and compliance obligations, allowing staff to adopt it quickly without disrupting ongoing operations.

EcoModule now serves as a strategic foundation for ESG reporting, offering accuracy, scalability, and control. VOLO continues to support the implementation and onboarding of services across additional regions.

Workflow-Driven Discovery 

VOLO collaborated closely with internal stakeholders to map operational workflows, regulatory requirements, and technical constraints, ensuring that the platform reflected how the organization actually operates. By thoroughly understanding these processes upfront, the team was able to minimize delivery risks and prevent mismatches between the system and real-world usage. This approach helped the project move forward confidently, with fewer surprises during implementation.

Configurable Impact Calculations 

A flexible calculation engine was developed for CO₂, energy, and water impact metrics, with a fully editable admin interface. This allowed the organization to update metrics and rules quickly in response to changing regulations or reporting needs, without requiring engineering intervention. As a result, ProCredit could respond rapidly to regulatory changes, maintain accurate sustainability reporting, and reduce delays caused by technical bottlenecks.

Admin Layer and Governance Logic 

VOLO structured the admin panel with role-based access, input logic, and audit-ready configuration management, making it easier to manage who can see and edit information. This setup provided clear oversight, allowed the platform to adapt to changing organizational needs, and reduced the risk of errors or unauthorized changes. By embedding governance directly into the system, the platform became easier to operate while ensuring compliance requirements were consistently met.

Real-Time Reporting and API Integration 

The platform was integrated with Power BI and designed to produce API-ready outputs for ESG reporting and audit-ready disclosures. This ensured that data could be accessed and visualized immediately, eliminated version control issues, and reduced the effort required for preparing reports. With real-time reporting, ProCredit was able to standardize ESG reporting across teams and geographies while maintaining accuracy and reliability.

Hybrid Agile Delivery 

VOLO combined detailed upfront planning with Scrum-based iterations to refine scope and accelerate progress. This approach allowed the team to maintain momentum on key milestones while remaining flexible to evolving requirements. By blending planning and iterative delivery, ProCredit could keep the project on track, respond to feedback promptly, and achieve measurable progress without unnecessary delays.

Operational Automation & Compliance Intelligence 

Structured logic, input validation, and automation were embedded directly into the platform, replacing manual workflows with guided data entry and real-time reporting pipelines. This reduced human error, improved the speed of ESG readiness, and allowed sustainability metrics to be tracked proactively. By automating routine processes, the platform not only increased accuracy but also freed staff to focus on higher-value analysis and decision-making.

Consulting Engagement 

VOLO provided targeted training in business analysis and project management for ProCredit’s internal teams, helping build digital capabilities beyond the immediate platform. This support increased the organization’s capacity to manage future projects, facilitated the ongoing rollout of the platform, and reduced the need for long-term external support. By combining delivery with skill-building, VOLO helped ensure the platform’s success and sustainability.

The Impact

EcoModule transformed ProCredit’s approach to ESG reporting, moving the bank from fragmented spreadsheets to a centralized system that meets regulatory standards and supports long-term digital maturity across operations.

The platform is now live in Kosovo and Ukraine, with onboarding underway in more than ten countries, significantly reducing reporting time and minimizing manual errors. It enables real-time, audit-ready ESG disclosures while empowering internal teams to manage updates and configurations directly. At the same time, EcoModule provides a consistent rollout structure across all regions, ensuring that every implementation follows the same reliable processes and best practices.

By embedding flexibility, automation, and training into the platform, VOLO helped ProCredit establish a system that is flexible to evolve with the future of sustainable finance. The partnership continues as VOLO supports new deployments and optimization across ProCredit’s international network.