Products

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Empowering Credit Scoring & Loan Management with Custom CRM

Empowering Credit Scoring & Loan Management with Custom CRM

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Norman Credit is an Armenian lending company serving individuals and small businesses. They operate in consumer and SME finance.

Norman Credit is an Armenian lending company serving individuals and small businesses. They operate in consumer and SME finance.

Client

Norman Credit

Deliverables

Product Design

Product Architecture

API Design

API Development

Back-End Development

Front-End Development

UX Research

UX Design

UI Design

Tech Support

The Challenge

Norman Credit needed a secure and modular CRM platform to centralize credit workflows, reduce manual work, and automate scoring decisions in real time.

Client

Norman Credit

Deliverables

Product Design

Product Architecture

API Design

API Development

Back-End Development

Front-End Development

UX Research

UX Design

UI Design

Tech Support

The Challenge

Norman Credit needed a secure and modular CRM platform to centralize credit workflows, reduce manual work, and automate scoring decisions in real time.

The platform
we built

The platform
we built

The platform
we built

We designed a full-fledged credit CRM that powers everything from partner management to loan issuance. Applications enter the system automatically through API integrations with front-end forms. From there, internal teams use structured dashboards to review, score, and approve each request.

Access shaped by user roles

Risk teams have access to scoring parameters and FICO models.

Risk teams have access to scoring parameters and FICO models.

Loan managers can assign amounts and monitor repayment terms.

Loan managers can assign amounts and monitor repayment terms.

Admins can manage users and partners, each with clear role-based access.

Admins can manage users and partners, each with clear role-based access.

Each step of the lending journey was reimagined with control, clarity, and growth in mind.

Each step of the lending journey was reimagined with control, clarity, and growth in mind.

System Flow
and Core Modules

System Flow
and Core Modules

System Flow
and Core Modules

From intake to disbursement, the platform supports the full lending cycle. Each module is tailored to reduce friction and improve decision quality.

  1. Application Intake

    Online forms send incoming data through API. The system parses and stores it instantly.

    01

  2. Application Intake

    Online forms send incoming data through API. The system parses and stores it instantly.

    01

  3. Scoring & Risk Review

    Scoring is calculated using a custom logic builder, with FICO ranges linked to approval limits.

    02

  4. Scoring & Risk Review

    Scoring is calculated using a custom logic builder, with FICO ranges linked to approval limits.

    02

  5. Partner & User Management

    Admins can add business partners and assign internal users to manage requests under each partner.

    03

  6. Partner & User Management

    Admins can add business partners and assign internal users to manage requests under each partner.

    03

  7. Loan Configuration

    Admin interface allows dynamic setup of loan types, terms, rates and eligibility logic.

    04

  8. Loan Configuration

    Admin interface allows dynamic setup of loan types, terms, rates and eligibility logic.

    04

  9. Document Generation

    As soon as a loan is approved, the system auto-generates contract documents, ready for download.

    05

  10. Document Generation

    As soon as a loan is approved, the system auto-generates contract documents, ready for download.

    05

  11. Final Review and Disbursement

    Approved loans are confirmed, signed digitally, and scheduled for payout.

    06

  12. Final Review and Disbursement

    Approved loans are confirmed, signed digitally, and scheduled for payout.

    06

How the
System Works

How the
System Works

How the
System Works

A clean, modular interface tailored to real workflows. Each screen is built to simplify decision-making and speed up operations.

Application Filters

01

Managers can instantly filter loan requests by date, FICO score, loan amount or partner. The table view highlights each application’s status with color-coded tags, making it easy to prioritize urgent or high-risk cases.

Application Filters

01

Managers can instantly filter loan requests by date, FICO score, loan amount or partner. The table view highlights each application’s status with color-coded tags, making it easy to prioritize urgent or high-risk cases.

Scoring Setup

01

Risk analysts can configure scoring rules using a flexible logic builder. They test different combinations and immediately see how changes affect the maximum approved amount and repayment period based on FICO tiers.

Scoring Setup

01

Risk analysts can configure scoring rules using a flexible logic builder. They test different combinations and immediately see how changes affect the maximum approved amount and repayment period based on FICO tiers.

Partner Panels

01

Each partner has a dedicated dashboard that shows total loans, assigned users and real-time performance. Admins can onboard new companies in minutes, define loan limits, and connect internal users to manage their pipeline.

Partner Panels

01

Each partner has a dedicated dashboard that shows total loans, assigned users and real-time performance. Admins can onboard new companies in minutes, define loan limits, and connect internal users to manage their pipeline.

Auto-filled Documents

01

As soon as a loan is approved, the system generates all related documents using dynamic templates. Contract fields are pre-filled from the application data, so users can download ready-to-sign PDFs without touching a single input field.

Auto-filled Documents

01

As soon as a loan is approved, the system generates all related documents using dynamic templates. Contract fields are pre-filled from the application data, so users can download ready-to-sign PDFs without touching a single input field.

Designing for
Scale and Simplicity

Designing for
Scale and Simplicity

Designing for
Scale and Simplicity

The entire admin environment is modular. As Norman Credit grows, new roles, loan types, and approval logic can be added without disrupting existing workflows.

The dashboard provides managers with a clean view of performance and pending items. Access control is handled at the user level, with permission logic built into each view.

This flexibility was essential. The product needed to scale alongside Norman Credit’s business without becoming harder to manage.

Results
After Launch

Results
After Launch

Results
After Launch

The new CRM streamlined decision-making, improved collaboration, and gave teams full confidence in the lending process.

40%

Less manual work in loan processing

50%

Faster application review and approval

2x

Faster document generation

Let’s talk about your

digital challenges.

Good work happens when the right teams meet. We’re ready when you are.

Book a call

Let’s talk about your

digital challenges.

Good work happens when the right teams meet. We’re ready when you are.

Book a call

Let’s talk about your

digital challenges.

Good work happens when the right teams meet. We’re ready when you are.

Book a call

Let’s talk about your

digital challenges.

Good work happens when the right teams meet. We’re ready when you are.

Book a call

Let’s talk about your

digital challenges.

Good work happens when the right teams meet. We’re ready when you are.

Book a call

Other Cases

Other Cases

Other Cases

All cases

All cases