Behind the experience layer, Brillio modernized core backend services for manual loan decisioning, including API-layer development, orchestrator events, downstream service integrations, automated functional testing, end-to-end system testing, smoke testing, and a unified logging framework to strengthen reliability and traceability.
Brillio also began future-ready enhancements for the next phase, including credit bureau pre-pricing calculations, application re-decisioning, and open lending capabilities.
A model built for speed, quality, and shared ownership
Together with the client, Brillio followed a co-innovation approach, operating as a single integrated product team under the modernization program. Rather than a traditional vendor-led delivery model, both teams aligned around shared ownership of outcomes, transparent agile ceremonies, and co-managed backlogs.
This approach kept quality, speed-to-market, and production readiness at the center of execution. Brillio implemented automated decisioning across multiple credit bureaus, with shared rule governance and exception-handling capabilities. In parallel, the teams enabled manual decisioning paths for the complex cases that required analyst intervention.
The Salesforce-based Agent UI/UX portal became a key enabler of this operating model, giving analysts a streamlined interface for end-to-end application review, decision capture, and policy-compliant processing. Brillio embedded quality engineering as a shared discipline from day one. A rigorous end-to-end testing model, supported by automation-first smoke and regression suites, controlled test data, service validation, and user journey testing, ensured parity with legacy outcomes while preparing the platform for production.
