An auto finance lender · 2022 – 2023
Credit decisioning rules that change when the law does
Test tooling and provable rule coverage 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 across applications and applicants could be shown rather than asserted.
- —Streamlined the path for new fields requested by the business side, removing the DBA round trip that had been the bottleneck on every rule change.
- —Updated and modified rules and rule flows in accordance with law and regulation.
Outcome
Rule changes shipped with demonstrable coverage instead of assumed coverage, and the business side stopped waiting on a DBA to add a field.