Lending-as-a-Service & Credit Scoring

Lending touches scoring, disbursement, repayments and third-party checks, and many of those calls are slow or unreliable. Running them all in the request path makes the whole platform fragile.

• Designed a microservice architecture with clear ownership boundaries for lending, scoring and transactions.
• Moved slow and failure-prone work onto asynchronous, event-driven workflows over message queues.
• Built secure REST APIs for partners consuming lending as a service.

• Better platform reliability, maintainability and performance.
• Part of the architecture and database work behind 30%+ platform performance gains.