Transforming onboarding processes
Specialist mortgage and secured loan provider, Together, tasked our credit risk and data experts with streamlining their onboarding processes. With their current process heavily manually underwritten, our goal was to increase automation whilst also retaining the personal touch and high levels of customer service for which Together are known.
Combining risk practice advice with hands-on analysis, our team supported Together across numerous workstreams including data collection, pricing, ID&V, credit decisioning, automated valuations and governance. For each identified workstream, we assigned a lead consultant to work with Together’s team to explore challenges and adopt industry-leading approaches.
Our experts undertook a detailed assessment of the company’s data infrastructure and provided Together with recommendations on how each area should be improved in order to stand out from the competition and deliver a genuinely market-leading offering.
Delivering a series of blueprints, we’ve outlined exactly how Together can progress in the short and medium-term. By making more strategic use of automated valuation models, introducing Open Banking to improve affordability assessment, and acquiring a flexible Decision Engine, our team has helped transform the way Together approaches change.
The result of this collaboration will streamline Together’s onboarding process, improve customer experience and speed-up the decisioning process to support the company’s goal of delivering a mortgage decision in under a minute.
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