UK digital bank focused on consumer lending (anonymised)
Cloud-native credit decisioning for a digital-first bank
From blank sheet to production-grade credit decisioning in four months.
Designed and delivered ~20 microservices credit decisioning platform in 4 months
Event-driven, cloud-native architecture on public cloud
Single platform supporting multiple product types (overdrafts, loans, etc.)
Enabled rapid experimentation with lending journeys and risk strategies
Context
The bank was pursuing a full licence and needed a modern lending stack that could support their first credit products and evolve with their roadmap. Buying a monolithic decisioning engine would trade speed for future constraints; building the right internal platform would create an asset. They chose to work with a small, senior Bugni Labs squad to co-create that platform.
The Challenge
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Design a credit decision runtime that could support multiple products and rapidly changing policies
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Achieve production readiness under tight regulatory and delivery timelines
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Maintain explainability across affordability, eligibility, credit scoring and limits
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Blend internal models, third-party scores and policy decisions into coherent journeys
Our Approach
Domain-driven design and service decomposition
Clear bounded contexts: applications, products, scoring, limits, decisions, fulfilment. Each context with its own models and APIs.
Event-driven microservices on cloud
Asynchronous processing for heavy or long-running work. Horizontally scalable stateless services for peak periods.
Business workflows with BPMN 2.0
Lenders could design product journeys (e.g. overdrafts vs. personal loans) with re-usable building blocks.
Observability and business metrics
End-to-end instrumentation for application drop-offs, decision times, policy overrides and exceptions.
Outcomes
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Production-ready platform delivering the bank's first lending products within a four-month window.
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Single decisioning foundation for multiple product lines (overdrafts, personal loans, future products).
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The bank gained an internal asset that can adapt to changing risk appetite, regulation and growth.
Capabilities Deployed
Expertise
Greenfield products, credit risk and decisioning, event-driven and DDD.
Blueprints
Domain-Driven Design, Cloud-Native Foundation.
Code Assets
Platform Core Scaffold, Service Pattern Library.
Tooling
Augmented Engineering Pipeline, GenAI Evaluation Harness (for future use).
Ready to discuss your challenge?
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