The problem
Eligibility decisions lived in Excel, with manual submissions and limited access for Portfolio Managers. The process took more than three days and recommendations were difficult to standardize.
What I did
I gathered requirements across credit, operations, and business teams; converted loan policy into formulas and decision rules; designed new-versus-returning customer flows; defined the data inputs and test cases; and supported engineering through implementation and UAT.
The system
- Calculates eligibility by loan type and customer segment.
- Checks BVN and watchlist status before processing.
- Analyzes statement inflows and outflows.
- Adjusts recommendations against the requested amount.
- Generates repayment breakdowns and downloadable reports.
- Maintains an audit trail of inputs, calculations, and outputs.
What changed
Loan recommendations moved from roughly three days to real-time, giving Portfolio Managers self-service access and making decisions more consistent, transparent, and auditable.