Case Study: Weshare accelerates lending decisions and cuts costs with Sparkling Logic SMARTS

Weshare Delivers Leading Lending Platform Powered by Sparkling Logic SMARTS

Weshare Finance, a large consumer lender with offices in China and worldwide, needed a better way to scale lending while separating business and IT responsibilities for risk management. Its challenge was to give line-of-business SMEs ownership of risk decisions, speed up time to market for new rules, reduce maintenance costs, and handle growing data and decision complexity. To address this, Weshare turned to Sparkling Logic and its SMARTS decision management platform.

Sparkling Logic implemented SMARTS so Weshare’s LOB SMEs could model and manage credit risk decisions in a web-based environment, including rules, scorecards, dashboards, simulations, and production deployment. The results were strong: Weshare increased loan volumes and revenue, reduced process costs, and improved control over business risk, with nearly 90% of business rules now managed by LOB SMEs. The company also shortened development cycles by 90%, cut maintenance costs by 80%, and reduced a 10-person cross-functional team to just one LOB SME and one IT engineer per product line.

Weshare