Context
Founding the Credit, Fraud & Risk Technology (CFRT) team at Jenius Bank meant standing up an end-to-end personal loan product on top of integrated bureaus, aggregator channels, and a modernized rule-engine stack.
What we shipped
- Lending Tree integration unlocking $30M+ in monthly origination and 30,000+ leads/month.
- Migration from a legacy SaaS rule engine, cutting P99 latency from 200ms to 5ms.
- Throughput scaling from 72 to 240 RPS for core decisioning (3.3x growth).
- Pricing deployment cycle compressed from 3 weeks to 1 week.
- 96+ production releases in FY24 with zero P1/P2 incidents and 60–80% more automated tests.
How we did it
- Configuration-driven orchestration with versioned strategies for rule sets and integrations.
- Bureau integrations with TransUnion, Equifax, and LexisNexis for layered fraud signals.
- Rule-engine modernization on Provenir, IBM-ODM, and Drools with strong test harnesses.
- Release automation, golden-path CI/CD, and per-strategy observability.