An auto finance lender · 2022 – 2023
Credit decisioning rules that change when the law does
Test tooling for a low-code credit decisioning engine that has to be updated every time regulation moves.
Context
Credit decisions ran through a low-code rule engine. Rules and rule flows had to track law and regulation, and every change risked a coverage gap nobody would notice until an application had already been decided wrong.
The problem
Make rule changes safe to ship — with coverage across applications and applicants that can be demonstrated rather than assumed — and stop routing every new field through a DBA.
What I did
- —Built add and edit test features for the Corticon rule engine in .NET 6, so rule coverage could be shown across applications and applicants.
- —Removed the DBA round trip for new fields the business side requested, which had been the bottleneck on every rule change.
Outcome
Rule changes ship with coverage that can be shown, and new fields no longer wait on a DBA.