Onboarding time 14 days → 3 hours. Disbursal volume +2.6×. Decision time 5 days → 22 minutes. 22 product variants live.
The bank’s loan origination ran across 6 disconnected systems with paper-heavy approvals. Onboarding took 14 days for retail loans and decision time exceeded 5 days. New product variants required 9 months of dev cycles. Branch and digital channels were operating from completely different rule sets.
A unified Loan Origination System built on Mendix — retail, SME, and home-loan journeys consolidated into one platform with a shared decisioning service and configurable product catalogue. Citizen-developer model paired with our certified Mendix engineers; live-parallel for 6 weeks before phased cutover.
Customer onboarding time compressed from 14 days to 3 hours. Disbursal volume up 2.6× within 9 months. Decision time fell from 5 days to 22 minutes. 22 product variants live on the platform with no further code changes required to launch a new variant.
Five phases. One accountable team. Every phase had a named decision point and a measurable outcome.
Workshops with the Leading Indian Bank executive team, baseline metrics, target outcome tree, programme governance set up.
Reference architecture, security blueprint, joint squad model agreed. Data model and integration contracts published.
Vertical slice built and run live-parallel against the existing system. Continuous integration, daily deploys, weekly business demos.
Phased cutover, audit-aligned reconciliation, scaling out of squads, capability transfer to Leading Indian Bank teams.
Managed run with named SLOs, quarterly value reviews, and a 15% optimisation budget reserved for improvement work.
Cloud landing zone, identity, network, security baseline. Data fabric with lineage-by-default. Audit-grade observability stack from day one.
Domain-aligned microservices behind a published API surface. Event-driven core with CDC into the data fabric. Live-parallel capability built in, not bolted on.
RBAC, audit logs, lineage, policy-as-code. Model risk records for every production model. Compliance posture on the executive dashboard, not in a quarterly slide.
Production-grade choices, defended by track record. The stack is one engineering decision among many — but a load-bearing one.
Independent assurance reviews at each phase gate. Findings tracked in a single risk register with named owners and remediation deadlines.
ISO 27001, SOC 2 Type II controls applied throughout. Data lineage captured by default; sensitive data tokenised at the edge.
SR 11-7-aligned model risk record per production model. Audit-trail evidencing model behaviour against benchmarks at the decision level.
Quarterly briefings to the regulator with reproducible explainability artefacts. First-attempt acceptance is the default expectation.
We expected 18 months and a war room. We got 11 months on Mendix and a calm release cadence.
G Group CIO · Leading Indian bank
11 months from kickoff to first regulated outcome — squad density and decision velocity matter more than headcount.
Joint squads with Leading Indian Bank engineers stayed in place after go-live. Ownership did not transfer in a hand-off — it grew in place.
Live-parallel for a meaningful window before cutover bought us trust. The cutover itself was a flag flip, not a war room.
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