Connecting lending policy, customer journeys and provider APIs
Solutioning and validation for five Saudi financing journeys.
- Market
- Saudi Arabia
- My work in this market
- Mortgage lending, API delivery and billing
Project brief
A second Saudi client, a finance company, was implementing a loan-origination system across five Sharia-compliant financing journeys. Its developers needed to know what each stage should do, which provider checks it required, and how different applicants should progress or stop. I translated the journey designs, signed interface documents and credit policy into service specifications and test scenarios, so testing could go ahead without waiting for every live provider integration.
My role
I decided what the test set had to prove and how each journey maps to provider services, and wrote the specifications behind both. The client owned its lending products and credit policy; where inputs conflicted, I raised it for their decision.
- 5
- financing journeys covered
- 5,000+
- test responses built, so the journeys could be tested before provider services were connected
Key decisions
- 01
Make policy the reference for test behaviour
Where borrower rule sheets conflicted with the signed credit policy, I flagged the differences to the client and used the policy as the reference. Test data had to prove the intended lending behaviour, not reproduce inconsistent inputs.
- 02
Test where a journey stops, too
I included rejected and referred applicants and carried their scenarios to the relevant decision point. The test set covers exception paths as well as the successful route to disbursement.
- 03
Reuse provider logic across journeys
Midway, I moved from one deliverable per journey to journey deliverables plus reusable provider templates. Shared identity, credit and other service checks stay consistent while each financing journey keeps its own sequence and rules.
Outcome
Delivered specifications and more than 5,000 provider test responses across the five financing journeys, and reconciled the API catalogue against the signed interface documents. The client’s testing went ahead without waiting for every live provider service.
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