Credgenics Cuts Latency 4x & Boosts CPU Efficiency 30% on TiDB

Overview

Credgenics hit 200ms query latency slowing real-time analytics dashboards for 98M+ loan accounts. Storage hit 70% blocking larger client onboarding during peak recovery operations. Frequent I/O spikes and TiKV congestion risked ARR from customer churn. Under-provisioned cluster caused transport errors under load. Mydbops partnership delivered responsive dashboards instantly. Stable platform for scaling collections business. Higher client retention, bigger revenue.
4
X
Query Latency Reduction
Average query latency was reduced from 200ms to 50ms
30
%
CPU Efficiency
Freed critical processing power by cutting TiKV CPU use
100
%
System Stability
By eliminating disruptive I/O spikes
33
%
Cost Efficiency
By lowering provisioned IOPS from 12,000 to 8,000
TiDB
Consulting Services

About

Credgenics manages 98M+ loan accounts for 200+ lenders recovering $15B yearly with 40% revenue growth to ₹220 crore FY25. Boosts client collections 25% while cutting costs 40% via AI platform. Tripled profits to ₹25 crore last year across banks and fintechs nationwide. Handles massive real-time analytics for debt resolution. Leads India's collections SaaS market.
★★★★★
The major benefit came from adopting TiDB, which has shown noticeable performance improvements. The overall experience has been very positive; we appreciated the supportive and cooperative approach of the Mydbops team, especially during the TiDB upgrade process. The 75% reduction in query latency has had a significant, positive impact on our business.
Naveen Malhotra
Database Administrator & Architect, Credgenics
Deployment Type
Database Stack
Outcome
Cloud-Based Deployment
TiDB Cluster (v7.5.0)
Query latency - 200ms → 50ms
Deployment Type
Cloud-Based Deployment
Database Stack
TiDB Cluster (v7.5.0)
Outcome
Query latency - 200ms → 50ms

Business Challenges

Overview
The performance of Credgenics' real-time analytics platform was limited by its TiDB cluster. This situation led to operational inefficiencies, reliability concerns, and a direct impact on the user experience.

High Query Latency: Slow dashboard performance affected user experience and the utility of the real-time data presented. For a SaaS platform, this directly impacts customer satisfaction and puts ARR at risk from potential churn.

System Instability: Frequent I/O spikes and high CPU usage created an unreliable environment, posing a risk of service degradation during peak business hours.

Scaling Limitations: With storage utilization at 70% and key components under-provisioned, the existing architecture was not equipped to support future data growth. The inability to scale confidently meant that onboarding larger clients or handling increased data volume was a business risk, placing a ceiling on potential ARR expansion.

Goals
The key objectives the client was aiming to achieve:

→ Improve Performance: Reduce query latency to ensure a responsive user experience.

→ Increase Reliability: Resolve CPU and I/O bottlenecks to create a stable database environment.

→ Plan for Scalability: Reconfigure the cluster to handle future data volume and workload increases.

→ Optimize Costs: Right-size infrastructure, specifically storage I/O, to reduce operational expenses.

→ Implement Best Practices: Upgrade the cluster and apply standard practices for security, performance, and operations.

Risks if Not Addressed
If left unresolved, these challenges posed serious risks

Risks & Impact if Not Addressed

Performance Issues

Without resolving replication lag and fragmented tables, query performance would continue to degrade, leading to a frustrating customer experience during peak hours.

Business Continuity Risks

Non-standardized backup policies increased the risk of data loss and prolonged outages, potentially disrupting thousands of orders in real-time.

Revenue Loss

Poor performance and downtime during peak times directly impacted Swiggy’s ability to fulfill customer demand, resulting in lost revenue and dissatisfied users.

Escalating Costs

Continued reliance on oversized, under-optimized infrastructure would lead to unnecessary monthly spend, straining the company’s profitability.

Developer Inefficiency

Lack of a stable and scalable database foundation meant developers spent significant time firefighting performance issues instead of innovating on features.

Performance Issues: Replication lag and fragmentation slow order searches and transactions.
Business Continuity Risks: Non-standardized backups mean longer recovery times and higher data-loss risk.
Revenue Loss: Slow page loads or timeouts during peak hours lead to failed checkouts.
Escalating Costs: Over provisioned, under-optimized servers strain profitability
Developer Inefficiency: Engineers spend more time firefighting than building new features
Goals
The key objectives the client was aiming to achieve:
→   
[Goal 1]
→   
[Goal 1]
→   
[Goal 1]

Solution Provided by Mydbops

Mydbops partnered with Credgenics to optimize their TiDB cluster, ensuring the successful adoption of the technology for their real-time analytics workload. The solution focused on a collaborative version upgrade, deep configuration tuning, and strategic scaling recommendations.

▸ Analysis

Mydbops conducted an audit of the TiDB architecture, system metrics, storage, traffic patterns, and configurations. The audit identified the root causes of latency, including TiKV congestion and suboptimal thread pool configurations.

▸ Version Upgrade & Tuning

A major version upgrade was performed in close collaboration with the Credgenics team to ensure a smooth and supportive transition. Mydbops also applied specific configuration changes to TiKV (modifying region-max-size and tuning raft/gRPC threads) to resolve core performance issues.

▸ Scaling and Modernization Plan

Mydbops provided an actionable scaling plan. This included adding a fourth TiKV node to rebalance storage, upgrading the PD node for improved cluster management, and recommending a migration to AWS Graviton instances to improve the price-performance ratio.

▸ Cost Optimization

I/O analysis showed that provisioned IOPS for TiKV nodes were higher than peak usage. A recommendation to reduce IOPS by 33% was implemented, leading to direct cost savings.

Performance Boost Average query latency reduced from 200ms to 50ms Query Latency (ms) 0 50 100 150 200 250 200ms Before 200ms 50ms After

Results and Impact

Key Outcomes

✅  75% Reduction in Query Latency

By tuning TiDB and TiKV parameters and performing a version upgrade, average query latency was reduced from 200ms to 50ms. This made the real-time analytics dashboard more responsive.

✅   Improved CPU Efficiency and System Stability

Optimizing TiKV configurations and flow control mechanisms reduced the overall CPU load. This tuning also eliminated the I/O spikes and transport errors, resulting in a more reliable system.

✅  A Clear Roadmap for Scaling and Cost Management

Credgenics received an expert-validated plan to scale storage and compute. The plan included actionable recommendations to reduce costs through IOPS right-sizing and migration to more efficient AWS Graviton instances.

✅  Protecting and Enabling ARR Growth

For a SaaS leader like Credgenics, ARR is the most critical business metric. The performance of their platform is foundational to customer retention and acquisition. By creating a faster, more stable real-time analytics experience, Mydbops helped Credgenics protect its existing revenue streams from churn. More importantly, the scalable and reliable platform now serves as a solid foundation upon which to build future ARR by confidently onboarding new, larger clients.

✅  Total Cost of Ownership (TCO)

The project identified a 33% potential reduction in recurring monthly IOPS costs. The recommendation to migrate to AWS Graviton instances provides a path for further long-term savings.

✅  Operational Efficiency

The resolution of performance bottlenecks and critical errors reduced the frequency of alerts and time spent on reactive maintenance. This allowed the Credgenics engineering team to focus more on product development.

✅  Supporting Business Growth

A more performant and stable TiDB cluster gives Credgenics the technical foundation to ingest more data, support more users, and expand its analytics features.

From Technical Risk to ARR Growth High Risk Period Growth & Stability Phase ARR Growth Trajectory High Churn Risk Improved Retention New Growth Tap regions to explore data points

Preparing for Future Growth

The project prepared Credgenics for future growth. They now have a scalable TiDB architecture and can consider additional ecosystem components like TiProxy for connection management as their needs evolve.

Your Platform's Performance is Your Business's Foundation. Let's Make It Unbreakable.

Like Credgenics, you know that latency spikes, system instability, and scaling limits are more than just technical headaches. They are direct risks to your user experience, your team's morale, and your bottom line. Constant firefighting burns out your best people and stalls innovation.

Our approach is built on partnership. We work alongside your team to provide a seamless, supportive experience, turning your database from a source of stress into a high-performance asset you can depend on.

Imagine a future where you can onboard new clients with confidence and your engineers are free to build what's next, knowing the platform beneath them is stable, scalable, and secure. That is the peace of mind we deliver.

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