Risk-Based Lending and Savings.

TymeBank was building a new digital bank and needed lending and savings products designed for a greenfield environment. The lending solution had to support the complete customer and product lifecycle while incorporating risk models into operational decision-making.

As Solution Architect, I designed the end-to-end architecture for the risk-based lending product, covering sales, credit decisioning, account servicing, collections, industry testing and mandatory reporting. Working with actuaries and data scientists, I helped integrate trained risk models into the lending process, including the governance of model inputs, outputs and versions.

I also contributed to the architecture of the savings product and aligned teams across South Africa, the United States, Hong Kong, Vietnam and Australia.

• Designed a lending solution spanning origination through collections and regulatory reporting.
• Integrated data-science models into a governed production architecture.
• Contributed to both lending and savings product architecture.
• Aligned business and technical teams across five countries.