Engagement
Africa
Lending Origination Uplift
Direct Axis Cape Town, South AfricaJan 2017 — Sep 2017
Business analysis on a credit decisioning and origination uplift programme for a leading South African direct lender.
Financial Services
Lending
Decisioning
Operations
Context
Direct Axis was losing approved customers to faster competitors between credit decision and payout.
Challenge
Compress the approval-to-payout window without loosening credit risk controls or breaching responsible lending requirements.
Role
Business Analyst — origination workflow and decisioning rules.
Actions taken
- Mapped end-to-end origination across 4 systems and 3 teams
- Identified 11 latency hotspots — 8 process, 3 system
- Specified rule changes and STP criteria with risk and compliance
- Defined ops dashboards for cycle-time monitoring
Impact
Approval-to-payout time cut from 48h to 6h
- Approval-to-payout time cut from 48 hours to 6 hours
- Approved-loan conversion up 22%
- Manual underwriting touches reduced 58%
- Bad-debt indicator unchanged — no risk drift
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