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Development of Bankruptcy Car Loan Management System
  1. case
  2. Development of Bankruptcy Car Loan Management System

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Development of Bankruptcy Car Loan Management System

rubyroidlabs.com
Financial services
Automotive

Challenge

Day One Credit requires a streamlined, automated system to manage the car loan process for bankruptcy filers. Existing manual processes are inefficient and hinder their ability to connect borrowers with suitable dealerships and manage loan transactions effectively. There is a need to automate administrative tasks and improve operational efficiency.

About the Client

Day One Credit is a fintech company facilitating car loans for individuals who have filed for bankruptcy, partnering with dealerships in California.

Project Objectives

  • Develop a fully functional car loan management system to automate loan processing.
  • Improve efficiency in connecting bankruptcy filers with participating dealerships.
  • Automate administrative tasks related to loan applications, approvals, and tracking.
  • Implement a robust notification system for all stakeholders (borrowers, dealerships, Day One Credit).
  • Develop a client visiting system to manage in-person interactions.

Functional Requirements

  • CRM system for managing client data (borrowers and dealerships).
  • Loan application and approval workflow automation.
  • Notification system (SMS and email) for timely updates.
  • Client visiting system for scheduling and tracking appointments.
  • Data collection and processing for loan eligibility assessment.
  • System for tracking loan statuses and recording notes.
  • Custom user login system with role-based access control.
  • Reporting and analytics dashboard.

Preferred Technologies

Ruby on Rails
PostgreSQL
HTML
CSS
JavaScript
Rest API
SoapUI

Integrations Required

  • Rail's website
  • WordPress blog

Key Non-Functional Requirements

  • Scalability to accommodate future growth.
  • High performance and responsiveness.
  • Robust security measures to protect sensitive data.
  • Data integrity and reliability.

Estimated Business Impact

Successful implementation of this system is expected to significantly improve Day One Credit's operational efficiency, reduce administrative overhead, and enable them to serve a larger number of clients. The automated processes will streamline loan approvals, improve client satisfaction, and ultimately contribute to increased revenue and market share. The initial MVP delivery resulted in 20 car sales prior to marketing campaign launch, demonstrating significant potential.

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