SAP CML Experts in Germany
for lending projects, matched in minutes with vetted and available freelancersHire experts who configure loan processes, integrate SAP CML with finance and risk systems, and support mortgage lending transformations. FRATCH uses fast, precise AI matching to connect you with vetted, available freelancers for your specific project.
Meet FRATCH Experts in Germany, who have recently used SAP CML
Herbert W.
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 G.
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 K.
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 O.
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 O.
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 W.
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 S.
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 F.
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 S.
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 S.
Last position:
Head of Financial Operations Warehouse at PPRO Holding GmbH
- Definition and testing of processing steps in the Financial Data Warehouse
Richard T.
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 M.
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 R.
Last position:
Development at Bausparkasse Schwäbisch Hall
- Coordination of SAP CML, SAP CMS, iBS FIN with Paricon MXF
- Custom development (ABAP, CDS)
Nino L.
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 19 Sep 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 19 Sep 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
SAP CML experts industry focus
See which industries our matched freelancers work in most often — every figure is calculated live from the freelancers on FRATCH.
- Banking and Finance (100%)
- Information Technology (86%)
- Professional Services (57%)
- Insurance (36%)
- Transportation (29%)
- Manufacturing (29%)
- Education (21%)
- Real Estate (21%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
What SAP CML does
SAP CML, short for Consumer and Mortgage Loans, supports lending operations in SAP Financial Services. It manages loan contracts, disbursements, interest calculation, repayment schedules, collateral relationships and accounting events across the lending lifecycle.
Lending processes
Companies use SAP CML to structure and control consumer loans, mortgages, commercial lending products and internal financing agreements. The solution helps standardize contract servicing while handling changes such as repricing, payment holidays, early repayment, restructurings and settlements.
- Configure loan products and contract conditions
- Manage disbursements, repayments and interest
- Connect collateral and partner data
- Support accounting and regulatory processes
Ecosystem and tooling
SAP CML work often includes integration with SAP S/4HANA, SAP Financial Services, accounting components and risk applications. Specialists may also work with SAP Business Workflow, Business Partner, security roles, data migration tools, interfaces and custom enhancements in ABAP. Knowledge of mortgage and consumer lending rules is essential alongside SAP configuration skills.
When companies need specialists
Companies bring in freelance SAP CML experts during new lending implementations, product rollouts, carve-outs and migrations from legacy loan systems. They also need support when contract data is inconsistent, interfaces fail, payment logic changes or business teams require new lending products. In Germany, projects often involve established banks, insurers and financing businesses with complex integration landscapes.
Delivery and collaboration
A strong project starts with clear lending requirements, product conditions and accounting rules. Experts translate these into configuration, test scenarios, migration mappings and operational documentation. Remote delivery can work well for design, configuration and testing, while on-site workshops may help when business units, data owners and compliance teams need close coordination. German and English communication may both be relevant in Germany-based programs.
What strong experts bring
The best SAP CML professionals understand both the system and the economics of lending. They can trace a business event from front-office input through contract servicing, payment processing, accounting and reporting. Look for experience with integrations, test management, cutover planning and production support, plus the ability to explain complex loan logic clearly to business and technical stakeholders.
Frequently asked questions
Everything clients usually want to know about SAP CML, in one place.
SAP CML is used to manage consumer, mortgage and other lending contracts within SAP Financial Services. It supports product setup, disbursement, repayment, interest processing, collateral links, contract changes and accounting integration.
SAP Consumer and Mortgage Loans is especially suitable for organizations that already rely on SAP finance, business partner and accounting processes. Dedicated lending platforms may offer a more specialized front office, while SAP CML can provide closer integration with the wider SAP landscape.
A strong SAP CML freelancer should understand SAP Business Partner, accounting integration, data migration, interfaces and authorization concepts. Experience with mortgage or consumer lending operations, testing and ABAP-based enhancements is also valuable.
The right SAP Loans Management professional depends on the scope. Product configuration may require lending-process knowledge, while a migration or integration program calls for experience with legacy data, interfaces, testing, cutover and finance reconciliation.
SAP CML work can often be delivered remotely for analysis, configuration, documentation and testing. On-site workshops can still be useful for process design, data decisions and coordination with lending, finance and compliance teams in Germany.
SAP CML is commonly used by banks, mortgage lenders, insurers with financing operations and other financial services organizations. It fits businesses that need controlled loan servicing alongside SAP-based finance and reporting.
Ask an SAP CML expert to explain a complete lending flow, including contract setup, payment processing, accounting and exception handling. Review the quality of their requirements, test cases, migration approach and documentation rather than relying only on configuration claims.
Working with SAP CML in Germany often means navigating long-running lending products, established SAP landscapes and multiple business stakeholders. Freelancers should be comfortable with structured documentation, remote collaboration and, where required, German-language workshops or communication.
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
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Philipp Thomaschewski
FRATCH CEO
