> cat projects/credit-management-platform/README.md

Credit management platform for a banking institution

A self-service portal where customers check loan balances, view repayment schedules, and make payments — built for a Romanian lending institution.

Client: B.C. FinServ
Year: 2025
Service: Custom Software Development
Tech stack: PythonDjangoPostgreSQLVue.jsREST APIBT Pay integrationDockerAWS

> challenge

B.C. FinServ, a Romanian non-bank financial institution, managed its credit portfolio through a legacy system built in the early 2010s. Customers had no self-service option — every balance inquiry, payment schedule request, or early repayment triggered a phone call to the back office. With over 15,000 active loan contracts and a growing customer base, the support team was overwhelmed: average response times exceeded 48 hours, and monthly operating costs for manual processing were climbing steadily. The existing system had no API layer, making any integration with modern payment processors or mobile apps practically impossible.

> solution

We designed and built a full-stack web platform from the ground up, with a clean separation between the customer-facing portal and the internal administration layer. The customer portal gives borrowers 24/7 access to their loan details: outstanding balance, interest accrued, upcoming installments, full repayment history, and downloadable statements. Customers can simulate early repayment scenarios and initiate online payments through an integrated payment gateway. The admin dashboard provides the credit operations team with real-time portfolio analytics, automated overdue notifications, risk flagging for delinquent accounts, and batch processing tools for bulk operations. We built a secure REST API that bridges the legacy database with the new platform, ensuring data consistency without requiring a full migration. The system includes two-factor authentication, end-to-end encryption for sensitive financial data, and full audit logging for regulatory compliance.

> result

Phone inquiries dropped by 73% within the first quarter of deployment. Average customer wait time went from 48 hours to instant self-service. Online payment adoption reached 61% of all monthly installment payments by month three. The operations team was able to reallocate two full-time employees from manual processing to higher-value credit analysis work. The platform now handles over 8,000 monthly active users with 99.97% uptime.