Fintech · Solenne Bank
Cutting SME loan decisions from nine days to under an hour
A regional bank replaced a paper-driven credit process with an automated decisioning platform — and opened a segment it had been quietly losing.
- Median decision time
- 9 days → 52 min
- Straight-through processing
- 71%
- SME loan book growth
- 2.4×
The challenge
Solenne's SME lending ran on spreadsheets and email. Every application touched eleven people, decisions took nine working days, and roughly a third of applicants walked before an answer arrived.
What we did
- 01Mapped the full credit journey with risk, ops and frontline relationship managers
- 02Built a rules engine that encodes the existing credit policy, versioned and auditable
- 03Layered a scoring model on top, with a human review queue for edge cases
- 04Integrated bureau, accounting and banking data through a single ingestion service
- 05Shipped in slices: intake first, then scoring, then straight-through approval
The outcome
Straight-through processing now handles 71% of applications in under an hour. The bank's risk committee gets a full decision trail on every case, which made the regulator conversation considerably shorter.