Credgenics Achieves 69% Cost Optimization on Aurora PostgreSQL

Overview

Credgenics hit CPU spikes up to 88.9% blocking real-time collections dashboards for 98M+ loan accounts. Poor buffer cache caused high disk I/O driving up Aurora costs during peak recovery operations. Over-provisioned instances wasted resources hurting ARR growth plans. Frequent manual snapshots bloated long-term storage bills. Mydbops partnership stabilized performance immediately. Clear roadmap for ongoing cost control. Higher resolution rates, bigger revenue.
Up to 69
%
Annual Savings
Delivered a data-backed roadmap to achieve these savings.
90
%
Performance Boost
Eliminated critical CPU spikes of and resolved query degradation.
Immediate
Cost Reduction
Achieved instant savings by optimizing storage and backups.
Next-Gen
Architecture
A strategic migration to modern, cost-saving Graviton instances.
Amazon Aurora PostgreSQL
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. Serves banks, fintechs nationwide with real-time debt resolution. Tripled profits to ₹25 crore last year. Leads India's collections SaaS market.
★★★★★
The Mydbops team was highly cooperative and supportive throughout the engagement, swiftly resolving issues and ensuring a smooth transition. They delivered immediate, tangible results on multiple fronts: our query performance was significantly improved through expert index and parameter tuning, while our overall costs were reduced by optimizing our entire data lifecycle—from implementing tiered backups and archival to rightsizing our database replicas.
Naveen Malhotra
Database Administrator & Architect, Credgenics
Deployment Type
Database Stack
Outcome
Cloud-Based Deployment
Amazon Aurora PostgreSQL
69% Reduction in Database Costs
Deployment Type
Cloud-Based Deployment
Database Stack
Amazon Aurora PostgreSQL
Outcome
69% Reduction in Database Costs

Business Challenges

Overview
As India's #1 Loan Collections Platform operating at a massive scale, Credgenics' mission-critical Aurora PostgreSQL database experienced performance degradation and rising costs that threatened their operational efficiency and financial planning.

‼️ High CPU Spikes: The primary instance suffered from frequent CPU spikes reaching up to 88.9%, which were directly caused by inefficient queries and led to significant performance degradation under load.

‼️ Inefficient Performance: A declining buffer cache hit ratio resulted in higher disk I/O operations. This slowed down query performance and increased I/O-related costs, as Aurora charges based on usage.

‼️ Over-Provisioned Infrastructure: The existing instances were not optimized for the actual workload, leading to underutilized CPU and memory resources and unnecessary infrastructure spend.

‼️ High Storage Costs: Long-term retention of frequent, manual snapshots created a significant and ever-growing storage cost overhead.

‼️ Capital Tied Up in Inefficient Infrastructure: The escalating operational expense was not just a line item; it represented a significant opportunity cost, tying up capital that could have been invested in product innovation and ARR growth.

Goals
The key objectives the client was aiming to achieve:

Stabilize Performance: Eliminate disruptive CPU spikes and improve query speed to ensure a seamless user experience.

Reduce Costs: Drastically lower the total cost of ownership for their Aurora clusters by optimizing every layer of the stack.

Optimize Infrastructure: Re-architect the instance and storage strategy for maximum performance and cost-efficiency.

Improve Governance: Establish a clear, long-term strategy for managing database costs and resources effectively.

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:
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[Goal 1]
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[Goal 1]
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[Goal 1]

Solution Provided by Mydbops

Mydbops delivered a comprehensive performance and cost optimization engagement, transforming Credgenics' Aurora PostgreSQL environment from a reactive, costly setup into a proactive, hyper-efficient asset.

▸ Deep Performance Tuning & Query Optimization

Our first step was to stabilize the core. Using Amazon Performance Insights, we identified and rewrote high CPU-consuming queries to reduce execution time and resource consumption. We then performed critical PostgreSQL parameter tuning—increasing shared_buffers to utilize ~75% of instance memory and tuning work_mem—to maximize in-memory operations and dramatically reduce costly disk reads.

▸ Strategic Infrastructure Re-architecture

With performance stabilized, we focused on the infrastructure. The data proved the existing instances were over-provisioned, allowing us to confidently recommend downsizing to a smaller, more cost-efficient instance class. The most impactful recommendation was a strategic migration to Graviton-powered Aurora instances, a modern architecture proven to deliver superior performance at a lower cost.

Aurora PostgreSQL Cluster Architecture - Credgenics - Mydbops

▸ Intelligent Cost Governance & Storage Optimization

To maximize financial efficiency, we evaluated and modeled the impact of using Reserved Instances, unlocking savings of up to 69%. We also addressed storage overhead by creating a new policy to move old, unnecessary snapshots to Glacier Deep Archive, slashing long-term retention costs.

A Phased Approach to Cost Optimization ~$123k / yr Initial Annual Cost ~$26k Immediate Savings ~$59k Potential Savings ~$38k / yr Potential Annual Cost $85,378 in Annual Capital Unlocked ↓ Up to 69% Total Potential Reduction

Results and Impact

Key Outcomes

Our multi-layered optimization strategy delivered significant, measurable improvements across performance, cost, and operations, providing Credgenics with a powerful and efficient database foundation.

Immediate Performance Stabilization & Cost Savings

The first priority was to stabilize the production environment. By expertly tuning PostgreSQL parameters, removing unwanted indexes, and optimizing queries, we eliminated critical CPU spikes of up to 88.9%. Simultaneously, we implemented a tiered backup and archival strategy that delivered an immediate reduction in overall storage costs.

A Confident Roadmap for Up to 69% Annual Savings

With the environment stabilized, we provided a comprehensive architectural roadmap for future optimization. This included a strategic migration to Graviton-powered instances and a plan for leveraging Reserved Instances. This data-backed blueprint empowers Credgenics to confidently unlock up to $85,378 in  in Annual Capital Unlocked.

Established Long-Term Cost Governance

Credgenics is now equipped with a comprehensive, long-term cost governance checklist and strategy, enabling them to maintain cost efficiency and make data-driven architectural decisions as they continue to scale.

Performance and Stability Transformation Before Mydbops 100% 75% 50% 25% 0% 1h 2h 3h 4h 5h 6h 7h CPU Usage Time 88.9% After Mydbops 100% 75% 50% 25% 0% 1h 2h 3h 4h 5h 6h 7h CPU Usage Time 90% Performance Improvement

Handling a Leader in India's High-Growth Fintech Market

When your platform handles over 98 million loan accounts and serves as a core engine of India's financial ecosystem, "good enough" is not an option. Your database isn't just infrastructure; it's the bedrock of your reputation, your revenue, and your ability to scale at a moment's notice. The stakes are immense.

This is the level of pressure our team is built for.

Our work with Credgenics wasn't just about tuning a database; it was about hardening the mission-critical core of a platform that serves millions of people in one of the world's most dynamic markets. We provided the deep, specialized expertise needed to ensure their infrastructure could perform and scale with maximum efficiency and absolute reliability.

Your platform may serve a different market, but the stakes are just as high. You need a partner who understands that enterprise-grade database strategy is not just about the numbers—it's about ensuring the absolute reliability and performance that your revenue and ARR growth are built on..

Ready to partner with a team trusted by the leaders?

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