
Re-platforming a lending engine that approves loans in 4 seconds
Rune's legacy lending engine took 11 minutes to decision a loan, with manual review on 38% of applications. Throughput capped before they could enter the Tier-2 city market.
We re-architected the decisioning service around an event-driven core in Go, replaced the monolithic rules engine with a feature store + gradient-boosted scorecards, and introduced shadow-mode model validation before any production flip.
Decision time fell to 4.1 seconds. Approval rate rose 37% within two quarters with default rates unchanged. Rune launched in 6 new states with the same risk team.

