Finance · 2024
Replatforming a national lender for real-time decisions
We replaced a 20-year-old decisioning core with a cloud-native platform that approves loans in seconds, not days.
A Fortune 500 consumer lender — Financial services · 6,000 employees
Client
A Fortune 500 consumer lenderFinancial services · 6,000 employees
Technology stack
ROI
312% over 24 months, payback in 7 months.
Client overview
A national consumer lender was losing share to faster digital challengers. Its decisioning core, two decades of accumulated logic on a mainframe, could not meet modern latency, audit, or experimentation requirements.
Business challenge
Migrate mission-critical decisioning off a mainframe without halting originations, while improving latency from days to seconds, keeping every decision auditable, and introducing the experimentation the business needed to compete.
Approach
We ran a six-week architecture discovery to define target domains and a strangler-fig migration path, then delivered the platform in increments: a new decisioning service behind the existing interface, a feature-flagged rollout, parallel-run validation, and a controlled cutover with full audit lineage.
Business impact
The lender regained competitive parity on speed, opened a continuous experimentation program on pricing and risk, and cut per-loan infrastructure cost by 41%. The audit lineage built during migration became a durable advantage in subsequent regulatory reviews.