SAP CML Experts in Germany
in minutes with vetted specialists and the power of AIHire experts who work with SAP CML loan processes, collateral handling, repayment schedules, and integration with SAP banking landscapes. Get fast, precise matching with vetted, available freelancers.
Meet FRATCH Experts in Germany, who have recently used SAP CML
Herbert Weinert
Last position:
Business Analyst & Test Manager at Wüstenrot Bausparkasse AG
Transformation of the core banking system landscape from host systems to a SAP-based architecture (SAP BP, CML, CMS, CYT) including the introduction of a building savings solution based on iBS – BASS as well as S/4HANA transformation (brownfield)
- Test management & control
- Responsibility for test management in the SAP Business Partner area incl. control of a test portfolio with >1,500 test cases
- Preparation and management of >5 test cycles / releases
- Functional and organizational management of test teams
- Ensuring stable test execution despite high system complexity and dependencies
- Integration & system stabilization
- Coordination of cross-system test activities in a heterogeneous architecture (SAP, MDM, host, surrounding systems)
- Support for the integration and stabilization of complex system landscapes with >10 connected systems
- Stabilization of synchronization between SAP Business Partner, MDM and host systems
- Ensuring stable data and process flows as a basis for functioning business processes
- Defect management & quality
- Functional analysis, prioritization and control of defects
- Conducting structured root cause analyses
- Sustainable reduction of critical errors in business-critical processes
- Architecture & systems
- Participation in architecture design as well as ongoing support and further development of the system landscape
- Setup and support of test systems
- Conducting load and performance tests
- Enablement & go-live
- Conducting >30 trainings with a total of >150 participants
- Enabling business departments to carry out tests and error analysis independently
- Ensuring go-live readiness of business-critical processes
- Active protection of productive releases through targeted test control and risk focus
- Critical project situations
- Leading task forces to stabilize critical interfaces and processes
Jochen Gögel
Last position:
Senior Specialist Software Compliance at Inter Versicherung
- Designing processes for implementing regulatory IT requirements (VAIT, BAIT, DORA, MaGo) and establishing them within the IT organization
- Monitoring the execution of these processes, quality assurance and adaptation to new requirements
- Support and coordination of the annual audit regarding regulatory IT requirements (PwC)
- ITK governance
- Software lifecycle management
- Documentation and control of the IDV development process
- Process support and policy creation when setting up test management with regard to DORA and VAIT
- Policy creation for IAM processes
- Tools/Applications: ServiceNow, Confluence, Jira, M365, Loop, Connect, Omada
Ali Kavacik
Last position:
SAP-FICO Project Manager at BAHAG AG
- Finance: Managed and led multiple cash flow-related projects.
- Implemented a standardized project management organization, including a resource plan.
- Led the VAT change project in Slovakia.
- Built a management dashboard for all internal projects.
- Systems used: MS Office; Jira, Confluence.
- Reference: Alexander Knoll, CFO – SAP FICO.
Thorsten Otremba
Last position:
Workstream Lead (WS) at Bank-Verlag GmbH
- Introduction of giro card with Visa Debit card payment function (Combocard) for Commerzbank
- Support for the Card Processing Team (card processing; Clearing & Settlement incl. Dispute Management teams) in project work
- Creation of requirements for the Clearing & Settlement team, Authorization team (AZ) and Card Production team (KP) as part of a requirements catalog
- Requirements engineering (requirements management) with business contact person
- Participation in workstream meetings between VISA Inc., SRC Security Research & Consulting GmbH, Commerzbank AG and consulting firms (PwC and Senacor Technologies AG)
- Sprint planning with Jira tickets of type Task and use of Confluence
- Creation and presentation of weekly status reports for the Clearing & Settlement, Dispute Management and Reporting & GUI workstreams
- Coordination with network and file transfer teams for connection tests of new interfaces, e.g. setup of host keys, use of VPN or sipnet connections
- Coordination of the delivery of test files, e.g. exchange rates (FX rates; TC 56 of VISA rates), VISA Debit and Credit transactions (format Base II) and EANSS/ISS Base II clearing files to the Debit Clearing System (DCS)
- Conducting coordination meetings on the use of Visanet Settlement Service (VSS) and PSD2 reports and payment traffic statistics (ZVS)
- Organizing workshops with FiServ (First Data) on Dispute Management and complaint handling
- Setup and maintenance of Open Point List (OPL) in Confluence
- Technologies/methods: Jira, Confluence, giro card, VISA Debit card, payments, Kanban board, BIN, routing, CIQ, VPAY, ScalaTest, Dispute Management
Bogdan Onofrei
Last position:
Senior SAP ABAP Consultant/Developer – Microsoft RPA/AI Engineer at Karl Dungs GmbH & Co. KG
- SAP integration technical consultant
- Internal consultant/developer for SAP ABAP developments (ECC) in MM/SD/PP/HCM/QM/FI modules
- SAP Fiori/UI5 new development and application management services
- Account administrator for all applications in SAP BTP
- New development, enhancement, and maintenance of SAP SapScript, Smart Forms, and Adobe Forms
- Responsible for the SAP HCM module
- Certified Microsoft Power Automate Developer
- Certified Microsoft Azure AI Engineer
Timo Warnke
Last position:
Project Manager, Requirements Manager, Business Analyst, Solution Architect at Service Provider for Heat Quantity Measurement
Supporting integration testing
Writing and creating the cut-over script
Conducting workshops to clarify requirements
Gathering business requirements
Business process modeling
IT design
Project planning
Supporting migration tests
Executing a greenfield S/4HANA conversion. A DATEV application and an AS400 are to be replaced by an S/4HANA system in a public cloud. The DATEV system runs the general ledger and accounts payable. The AS400 handles accounts receivable and business partners. The payables and receivables will be migrated to S/4HANA and the DATEV solution decommissioned.
Simon Sommer
Last position:
CEO and Co-Founder at DISO Ventures
- Set up DISO Ventures as an “AI Builder”, leveraging corporate venture building expertise and generative AI capabilities.
- Business development, acquisition, and project management with multiple clients as well as key account & senior stakeholder management.
- Delivered several projects from German Mittelstand up to DAX 40.
- Developed proof of concept for an AI sales solution for a company in the pharmaceutical industry.
- Excerpt client references: on request.
Jerry Fonou
Last position:
IT Requirements and Test Management in S/4 HANA Implementation Project at Q_PERIOR AG
- Create functional concepts for implementing applications
- Coordinate tests
- Create and execute test cases
- Create test reports
Jörg Schlapinski
Last position:
Interim Release Management, Test Coordination at Deutsche Pfandbriefbank AG
- Cross-project test coordination and management for minor and major releases in a complex, integrated test environment
- Coordination of test batch executions
- Conducting project and release status meetings, collecting and communicating project status, and approving releases
Sebastian Schorsch
Last position:
Head of Financial Operations Warehouse at PPRO Holding GmbH
- Definition and testing of processing steps in the Financial Data Warehouse
Richard Theisen
Last position:
Project Manager at Telecommunications company
- Background: Basic adjustment of the asset accounting system landscape, improving data quality as well as standardizing and automating processes
- Migration of the SAP system to SAP S/4HANA
- Implementation of a dedicated SAP S/4HANA for logistics
- Introduction of a new collaboration model with partner companies for network expansion
- Adjustment of the asset structure to the latest network technology, considering Single RAN, Open RAN, virtualization, network slicing
Felix Meermann
Last position:
Business Developer, Product Owner Support at VisualVest, digital asset manager (robo-advisor) of Union Investment
- Development of an innovative platform for topics and questions around next-generation investments as part of new business models
- Analysis of product ideas
- Coordination of new features with UX/UI (in Figma) and developers
- Creation of user stories in Jira: description/open topics/preconditions/requirements/error handling/audit log/UX/UI/technical hints/test scenario/acceptance criteria
- Conducting tests and documenting test results
- Creation and management of defects
- Coordination of sprint planning and backlog with product owner and Scrum Master
- Preparation of sprint review presentations
- Project implementation with Scaled Agile Framework (SAFe): stage planning in Conceptboard with Magic Estimations, feature/kanban board, sprint planning, functional refinement, sprint backlog, daily standups, sprint review, sprint retrospective
- Platform with the latest technological market standards: Angular (frontend framework), Jakarta EE, Matamo Tracking, Keycloak, movingimage
Andreas Rudi
Last position:
Development at Bausparkasse Schwäbisch Hall
- Coordination of SAP CML, SAP CMS, iBS FIN with Paricon MXF
- Custom development (ABAP, CDS)
Nino Leschhorn
Last position:
Senior Management Consultant / Managing Partner at Niagon GmbH
Discover over 15,000 top freelancers
Statistics of experts using SAP CML
Aggregated from the professional profiles of matched freelancers.
Experience
20 years
Position duration
2.1 years
Positions per freelancer
14
Top business areas
Information Technology, Project Management, Quality Assurance
Top industries
Banking and Finance, Information Technology, Professional Services
Certification focus areas
Information Technology, Project Management, Business Intelligence
Bachelor's degree or higher
89%
Master's degree or higher
44%
Doctorate
11%
Certifications per freelancer
3
Most common languages
German, English, French
Speak two or more languages
93%
Based on our profile pool as of 30 Aug 2026.
Daily rate distribution
The chart shows how the daily rates of freelancers in this technology in Germany are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows how many freelancers charge within that range.
Average rates of experts in Germany using SAP CML
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 30 Aug 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
About the technology
Loan management core
SAP CML, also known as SAP Commercial Loan Management, supports the lifecycle of complex loan products in banking environments. It helps companies manage origination handoffs, contract data, disbursement, interest, repayment, and changes over time. It is used where finance teams need controlled, auditable loan processing.
Typical work
- Loan contract setup and product configuration
- Interest, fee, and repayment schedule handling
- Integration with SAP banking and finance systems
- Migration and rollout support for lending processes
- Testing of end-to-end loan scenarios
Ecosystem fit
Strong SAP CML professionals know the surrounding SAP Banking Services landscape and the interfaces that keep loan data consistent. They work with related modules, customizing, process rules, and downstream reporting. In Germany, this often matters for banks and financial institutions that need stable delivery across business and IT teams.
When to bring in experts
Companies usually bring in freelance SAP CML specialists when a rollout is blocked, a migration is complex, or an integration behaves differently than expected. The same applies when loan processes must be aligned with core banking, accounting, or document flows. Experienced experts shorten analysis and reduce rework.
What strong specialists deliver
A good SAP CML specialist does more than configure screens. They understand product logic, business rules, dependencies, and test coverage across the full loan process. They can explain what breaks, what to change, and how to validate the result before release.
Hiring signals
You likely need external SAP CML expertise if you face any of these points:
- New loan products or process changes
- Failed interfaces or inconsistent contract data
- Migration from legacy lending systems
- Missing documentation or unclear customizing
- A need for on-site or remote support in Germany
Frequently asked questions
Everything clients usually want to know about SAP CML, in one place.
SAP CML is used to manage the lifecycle of loan contracts, including setup, conditions, schedules, changes, and repayment handling. It is common in banking and lending environments where the process must stay traceable and consistent across connected systems.
SAP CML is commonly searched as SAP Commercial Loan Management, and people often use both names for the same loan management area in SAP banking. The exact wording varies by project and documentation, but the core focus is the same: structured management of lending contracts and related processes.
SAP CML is attractive when a company already runs SAP-based finance or banking processes and wants tighter integration with the rest of the landscape. Compared with separate lending tools, it can fit better into existing SAP process and data flows, but it still needs careful configuration and integration work.
A strong SAP CML specialist usually combines loan process knowledge with SAP configuration, interface handling, testing, and data migration experience. Good candidates also understand adjacent areas such as SAP Banking Services, finance integration, and business rule analysis.
SAP CML projects often need someone who has worked through real loan process changes, not only read the documentation. If your scope includes migration, interface fixes, or product rollout, you want a specialist who can handle both functional detail and technical dependencies.
SAP CML work can often be done remotely, especially for analysis, customizing, documentation, and testing support. On-site time in Germany is still useful when workshops, stakeholder alignment, or cutover support need close coordination with banking teams.
Look for clear explanations of loan process decisions, not just configuration claims. A good SAP CML expert can describe how contracts, schedules, interfaces, and test cases fit together, and can point out risks before they reach production.
SAP CML support typically delivers process design input, customizing changes, interface checks, test cases, defect analysis, and migration support. For larger projects, you should also expect clear documentation and handover notes that help your internal team maintain the setup.
The average hourly rate of freelancers in Germany who have used SAP CML in their recent projects is 111 €, which corresponds to a daily rate of about 887 € based on an 8-hour working day.
Of the freelancers in Germany who have used SAP CML in their recent projects, 89% hold at least a Bachelor's degree, 44% hold at least a Master's degree, and 11% hold a doctorate.
On average, freelancers in Germany who have used SAP CML in their recent projects have 20 years of professional experience, with a single engagement typically lasting around 2.1 years.
The most common languages among freelancers in Germany who have used SAP CML in their recent projects are German (100%), English (86%), and French (36%).
The most common industries among freelancers in Germany who have used SAP CML in their recent projects are Banking and Finance (100%), Information Technology (86%), and Professional Services (57%).
The most common business areas among freelancers in Germany who have used SAP CML in their recent projects are Information Technology (100%), Project Management (79%), and Quality Assurance (79%).
Main locations of FRATCH Experts, who have recently used SAP CML
Our freelancers and interim experts are at home across the DACH region — available on-site in the major business hubs or fully remote. Choose a location to discover matched specialists, local market insights and up-to-date availability.
Berlin Hamburg Munich Cologne Frankfurt Stuttgart Dusseldorf Leipzig Dortmund Essen Bremen Dresden Hanover Nuremberg Request a free demo
Get in touch with the FRATCH team and we will get back to you within 4 hours.
Would you rather directly get in touch?
We always have the time for a call or email!
Philipp Thomaschewski
FRATCH CEO
