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Financial Services

Cutting a lending onboarding flow from days to minutes

An orchestrated onboarding pipeline that automates document handling and routes only genuine edge cases to a human reviewer.

The challenge

A lending team processed applications through a chain of email, shared drives and three disconnected systems. Applicants waited days for a decision, staff re-keyed the same data repeatedly, and the audit trail had to be reconstructed by hand whenever a regulator asked.

What we did

  • Modelled the full application lifecycle as an explicit state machine, which surfaced several undocumented paths the team had been handling informally.
  • Automated document intake with OCR and structured extraction, holding low-confidence results for review rather than guessing.
  • Built a risk-scoring service with every input, version and decision logged immutably.
  • Gave reviewers a queue that shows only what genuinely needs a person.

What changed

  • Straightforward applications now clear without manual handling.
  • Reviewers spend their time on genuine edge cases instead of data entry.
  • Audit evidence is produced on demand rather than assembled after the fact.

Stack: Python · FastAPI · PostgreSQL · Temporal · Azure · Kubernetes

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