Digital Platform with ~15 microservices responsible to manage the entire lending process in a totally product agnostic way. Por: Evandro Silvestre

1. Leveraging exponential creation of Digital Products
through a Digital Platform
novembro de 2019
REAL - Muestra de Casos Reales de Arquitectura de Software

2. Evandro Silvestre - Head of Engineering - Platform
22 years working in Technology. Last 3 in Fintech
Writing code since I was 14 years old
I'm DaddyOps
/Who am I?

3. Our
Mission:
“To enable what fulfills people by
unleashing the potential of their assets.”

5. /Creditas Highlights
US$ 150MM
Saved by clients
+1.400
employees
2012
Founded
100x growth
2016-2019
+3MM & US$10 billion
Loan applications

6. Creditas valued
at US$ 750 MM
Brazil’s leading fintech arrives
in Valencia and Mexico
Creditas grows as it invests in
technology
/What’s being said about us

7. What is Creditas Platform?

8. Lead Form
Lead informations
Car Informations
Pre qualify
Risk Analysis
Pricing
Profiling
Car / Person
documentation
Risk Analysis
Processing
Credit Limit
Risk Analysis
Formalizing
Contract
Payment
Transfer
Money
Auto
Pre qualify
Risk Analysis
Pricing
Profiling
Home / Person
documentation
Risk Analysis
Processing
Credit Limit
Risk Analysis
Formalizing
Contract
Payment
Transfer
Money
Lead Form
Lead informations
Home Informations
Home
/Creditas Flow

9. /Creditas Flow

10. Lead Form
Lead informations
Car Informations
Pre qualify
Risk Analysis
Pricing
Profiling
Car / Person
documentation
Risk Analysis
Processing
Credit Limit
Risk Analysis
Formalizing
Contract
Payment
Transfer
Money
Auto
Pre qualify
Risk Analysis
Pricing
Profiling
Home / Person
documentation
Risk Analysis
Processing
Credit Limit
Risk Analysis
Formalizing
Contract
Payment
Transfer
Money
Lead Form
Lead informations
Home Informations
Home
/Creditas Flow

11. Risk
Auto
Home
X
External
Source
Analyze
Auto Rules
- Income >= 3.000
- Age between 18 and 75 y/o
- Score > 500
Approve / Reject /
Gray Area
Managing
Risk Analyst
/Creditas Digital Platform

12. Lead Form
Lead informations
Car Informations
Pre qualify
Risk Analysis
Pricing
Profiling
Car / Person
documentation
Risk Analysis
Processing
Credit Limit
Risk Analysis
Formalization
Contract
Payment
Transfer
Money
Auto
Pre qualify
Risk Analysis
Pricing
Profiling
Home / Person
documentation
Risk Analysis
Processing
Credit Limit
Risk Analysis
Formalization
Contract
Payment
Transfer
Money
Lead Form
Lead informations
Home Informations
Home
/Creditas Digital Platform

13. Journey
Next step?
Managing
Process
Analyst
/Creditas Digital Platform

14. Journey Risk Pricing
Communication Documents … … ...
A group of microservices, product agnostic,
that enables the business owner to
experiment changes in current products and
also to create new products very quickly in
the most autonomous way.
/Creditas Digital Platform

15. In the future, to create a new Product we need
to think only in how to provider the Most
Awesome Experience to our clients and
configure how the product will works in the
Platform.
/Business Empowerment

16. How do we work?

17. ACQUISITION
L
PAYROLL
ORIGINATION
AUTOREFIHOMEREFI
SALES RISK SELF-SERVICE
RELEX & FUNDING
ENGAGEMENT SERVICE OPS
FUNDING
CONVERSION CLOSINGACQUISITION
EFFICIENCY
SCD OPS
SCD/BACEN
INFRA
DATA
ENGINEERING SECURITY
CROSS
CX
ENGAGEMENT
PLATFORM
ACQUISITION ORIGINATION B2B
SCD/FINTECH
SCD/
PAYMENTS
FINTECH/
PAYMENTS WALLET
PRODUCTION
ENGINEERING
L
AUTOFIN
BUSINESS
PROCESS
COMMUNI-
CATION
CORE
COMPONENTS
FRONTEND LIMITS PRICING RISK TRUST DOCUMENTS
DATA
PLATFORM
MACHINE
LEARNING
/Tribes & Squads
± 180 ppl

18. /Tribes & Squads
Business Owner Product Lead Engineer Manager Staff Engineer
Product Manager
Product Designer Tech Leader
Engineer Analytics
Quality Engineer
Team Leader
Data Science
Acquisition
Product Manager
Product Designer Tech Leader
Engineer Analytics
Quality Engineer
Team Leader
Data Science
Sales
Product Manager
Product Designer Tech Leader
Engineer Analytics
Quality Engineer
Team Leader
Data Science
Self Service
Auto Refi
Staff Engineer

19. /Tribes & Squads
Product Lead Head of Engineer Principal Engineer
Product Manager
Product Designer Tech Leader
Engineer Quality Engineer
Team Leader
Risk
Product Manager
Product Designer Tech Leader
Engineer
Quality Engineer
Team Leader
Pricing
Product Manager
Product Designer Tech Leader
Engineer
Quality Engineer
Team Leader
… … ...
Platform
Staff Engineer Staff Engineer Staff Engineer

20. Squad
KPI
KPI
KPI
KPI
Squad Quarterly Planning (OKR)
Exemplo
KPI => Lead Time of Risk Analysis
OKR => 85% of Automatic Decision
We considered Creditas Platform a Product.
Each Platform Squads has Business KPI to
drive the decision.
/Platform as a Product

21. The Products Team pulls the Platform Backlog.
Every cycle, Platform Product Managers sit
with other Product Managers to see how
Platform can help to reach the goal.
Reduce 85% of Credit
Analysis Lead Time
Improve Risk Capability
to automate process
/Platform as a Product

22. InnerSource is the use of open source software
development best practices and the
establishment of an open source-like culture
within organizations.
We use this to unblock teams
Reduce 85% of Credit
Analysis Lead Time
Improve Risk Capability
to automate process
Product Squad
/InnerSource Culture

23. InnerSource is the use of open source software
development best practices and the
establishment of an open source-like culture
within organizations.
We use this to unblock teams
Reduce 85% of Credit
Analysis Lead Time
Improve Risk Capability
to automate process
/InnerSource Culture
Product Squad

24. Platform is a Mindset!
“
”

25. The Creditas Digital Platform Architecture

27. THE PLATFORM

34. PersonName
Birth Date
Incoming
CollectExternal
Data
Data
Collector
External
Source
Save
information
Risk
Execute Risk
Get Person Data
/Deep Dive

35. PersonName
Birth Date
Incoming
CollectExternal
Data
Data
Collector
External
Source
Save
information
Risk
Execute Risk
Get Person Data
/Deep Dive

36. {
"mainDocument": {
"type": "CPF",
"code": "75931482032"
},
"fullName": "Pedro da Silva",
"gender": "MALE",
"birthDate": "1995-01-20",
"placeOfBirth": "São Paulo",
"nationality": "BR",
"professionalInfo": {
"professionalStatus": "CLT",
"actualJob": "developer",
},
"educationInfo": {
"degree": "COLLEGE_DEGREE_COMPLETED"
},
The only mandatory information is the ID
"incomeInfo": {
"monthlyIncome": {
"currency": "BRL",
"amount": "8000"
},
"monthlyIncomeConsultant": {
"currency": "BRL",
"amount": "8000"
},
"presumedMonthlyIncome": {
"currency": "BRL",
"amount": "8000"
},
"confirmedMonthlyIncome": {
"currency": "BRL",
"amount": "8000"
}
},
/Person Microservice

37. PersonName
Birth Date
Incoming
CollectExternal
Data
Data
Collector
External
Source
Save same
information
Risk
Execute Risk
Get Person Data
/Deep Dive

38. curl -X GET "https://api.stg.creditas.io/v0/persons/123?version=1" -H "accept: application/json"
/Person Microservice

39. PersonName
Birth Date
Incoming
CollectExternal
Data
Data
Collector
External
Source
Save same
information
Risk
Execute Risk
Get Person Data
/Deep Dive

40. PersonName
Birth Date
Incoming
CollectExternal
Data
Data
Collector
External
Source
Save same
information
Risk
Execute Risk
Get Person Data
/Deep Dive

41. A group of Risk Rules configured by Risk Analyst
Domain-specific language (DSL) is a programming language specifically
designed to working within a particular area of interest.
We could use Natural Language and use
a Framework like Cucumber
Scenario: Age Validation
Given an individual
When age bigger than 18
Then Approve
But, we decide to use a Mathematical
approach using Spring SpEL
"name": "Age Validation",
"description": "Check the age of an individual",
"resultSentence": "#anyClauseRejected ?
"REJECTED" : "APPROVED"",
"clauses": [{
"preCondition": "#person.age != null
"sentence": "#person.age >= 18"
}]
/Risk Microservice

42. A group of Risk Rules configured by Risk Analyst
Domain-specific language (DSL) is a programming language specifically
designed to working within a particular area of interest.
We could use Natural Language and use
a Framework like Cucumber
Scenario: Age Validation
Given an individual
When age bigger than 18
Then Approve
But, we decide to use a Mathematical
approach using Spring SpEL
"name": "Age Validation",
"description": "Check the age of an individual",
"resultSentence": "#anyClauseRejected ?
"REJECTED" : "APPROVED"",
"clauses": [{
"preCondition": "#person.age != null
"sentence": "#person.age >= 18"
}]
/Risk Microservice

43. Our Risk Analysts are Excel Masters :)
They know how to create this rules. And the cost of simplification is HIGH
Cost&ComplexityofDevelopment
Simplicity to create DSL
/Risk Microservice

44. PersonName
Birth Date
Incoming
CollectExternal
Data
Data
Collector
External
Source
Save same
information
Risk
Execute Risk
Get Person Data
curl -X GET "https://api.stg.creditas.io/v0/persons/123?version=1" -H "accept: application/json"
/Deep Dive

45. "name": "Income Validation",
"description": "Check the Income",
"resultSentence": "#anyClauseRejected ? "REJECTED" :
"APPROVED"",
"clauses": [{
"preCondition":
"#person.incomeInfo.monthlyIncome.amount != null
"sentence":
"#person.incomeInfo.monthlyIncome.amount >= 3000"
}]
{
"mainDocument": {
"type": "CPF",
"code": "75931482032"
},
"fullName": "Pedro da Silva",
"gender": "MALE",
"incomeInfo": {
"monthlyIncome": {
"currency": "BRL",
"amount": "8000"
},
"monthlyIncomeConsultant": {
"currency": "BRL",
"amount": "8000"
},
"presumedMonthlyIncome": {
"currency": "BRL",
Person Payload DSL Setup
/DSL Validation

46. "name": "Income Validation",
"description": "Check the Income",
"resultSentence": "#anyClauseRejected ? "REJECTED" :
"APPROVED"",
"clauses": [{
"preCondition":
"#person.incomeInfo.monthlyIncome.amount != null
"sentence":
"#person.incomeInfo.monthlyIncome.amount >= 3000"
}]
{
"mainDocument": {
"type": "CPF",
"code": "75931482032"
},
"fullName": "Pedro da Silva",
"gender": "MALE",
"incomeInfo": {
"monthlyIncome": {
"currency": "BRL",
"amount": "8000"
},
"monthlyIncomeConsultant": {
"currency": "BRL",
"amount": "8000"
},
"presumedMonthlyIncome": {
"currency": "BRL",
Person Payload DSL Setup
/DSL Validation

47. "name": "Income Validation",
"description": "Check the Income",
"resultSentence": "#anyClauseRejected ? "REJECTED" :
"APPROVED"",
"clauses": [{
"preCondition":
"#person.incomeInfo.monthlyIncome.amount != null
"sentence":
"#person.incomeInfo.monthlyIncome.amount >= 3000"
}]
{
"mainDocument": {
"type": "CPF",
"code": "75931482032"
},
"fullName": "Pedro da Silva",
"gender": "MALE",
"incomeInfo": {
"monthlyIncome": {
"currency": "BRL",
"amount": "8000"
},
"monthlyIncomeConsultant": {
"currency": "BRL",
"amount": "8000"
},
"presumedMonthlyIncome": {
"currency": "BRL",
Person Payload DSL Setup
{
"mainDocument": {
"type": "CPF",
"code": "75931482032"
},
"fullName": "Pedro da Silva",
"gender": "MALE",
"incomeInfo": {
"monthlyIncome": {
"currency": "BRL",
"value": "8000"
},
"monthlyIncomeConsultant": {
"currency": "BRL",
"amount": "8000"
},
"presumedMonthlyIncome": {
"currency": "BRL",
/DSL Validation

48. We want our squads to be as autonomous as possible.
If we don't have the document version, the coupling between Risk and Person
Microservices will be so high that it will be impossible to the squad to be
autonomous and to deliver fast.
/Control vs Velocity

49. We want to be able to deploy 1 new
product per week!
“
”

50. Creditas 💚 México

51. /Creditas 💚 México
We'll launch our three ecosystems + Creditas Store

52. /WE NEED YOU!
http://vagas.creditas.com.br

53. Questions?
@ersilvestre

54. Thank you!