Quick Loan Small and Micro Enterprise Owner Loan Project of a Bank

mortgage loans, and there is a strong demand for residents to reduce leverage when repaying mortgage loans. As a result, our bank's mortgage development is under pressure, and the repayment pressure continues to increase. Early repayment currently supports both offline and online channels, among which online mobile banking can support real-time self-service repayment for customers without any restrictions on repayment. This model causes inconvenience for business personnel to reach and retain customers, and has also become one of the reasons for the rapid decline in branch scale when opening self-service repayment mode. Our bank urgently needs to optimize the existing model and launch an appointment application model to benchmark with industry practices.

project construction
Construction period:
From November 2022 to March 2023, iterate and launch in three stages;
Project members:
There are 40 members involved in the project, including 10 from the management team and 30 from Hank Times. Among them, there are 2 product managers, 1 technical manager, 22 back-end personnel, 3 front-end personnel, and 2 testers
 

customer value
Adding an early repayment appointment function can provide users with a cooling off period. At the same time, customer managers can view users' early repayment applications on their mobile phones, communicate, and recover funds that are about to be lost. Branch personnel can also integrate early repayment records of users for different products and periods, make corresponding adjustments to products and restrictions within the bank, in order to maximize benefits and minimize user complaints.

Business innovation
·Optimize the self-service channel early repayment mode and increase the application+system batch deduction mode
·Add support for configuring early repayment parameters
·Add self-service early repayment pending deduction application inquiry
·Add self-service early repayment customer manager notification logic
·Add batch deduction function for early repayment system