Case study · lending
Fractional CTO for Digital Transformation
MG Group was a traditional lender: physical branches, and a deploy that took days. It ended as a fintech platform with a mobile app, its own credit-risk engine, and an acquisition. Here's how that went.
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Cloud architecture, a DevOps culture, an integrated credit-risk engine, and a mobile app. It ended in a spin-off and an acquisition.
Diagnosis
Challenges of Digital Transformation
The hard part was never the technology. MG Group had a working business; what it did not have was a way to ship quickly, a team built for what came next, or systems that talked to each other. Four things were in the way.
Legacy systems that capped both how fast the team could grow and how fast anything shipped.
Everyday operations that took longer than the business could afford.
No reliable way to attract the technical talent the next phase needed.
Systems that did not integrate with modern tools, or with each other.
In practice
Solutions in Action: A Case Study
I led MG Group from traditional lender to fintech platform. What that took:
Building the Team
Recruited T-shaped engineers: deep in one area, capable across the neighboring ones.
Architectural Redesign
Moved legacy systems onto cloud services and serverless functions.
DevOps Transformation
Built a DevOps culture. Deployment went from days to minutes.
Credit Risk Engine
Integrated multiple credit bureaus and central bank data for informed lending decisions.
Mobile App Launch
Launched a mobile app for borrowers to manage loans and dealerships to publish cars.
Auto Marketplace
Built a used-car marketplace with financing built in. That became a direct sales channel.
Impact
Results
Scalable cloud architecture.
Deployment cycle reduced from days to minutes.
Accurate and informed lending decisions through data integration.
Successful mobile app launch for borrowers and dealerships.
Spin-off into Prendo, a marketplace connecting car buyers and agencies.
Partial acquisition by a major insurance group.
Next step
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