Internal Data Collection and Client Scoring System for Seller Capital

Project background 

Overview

Seller Capital is a fintech company in Singapore offering renewable B2B credit lines to experienced sellers operating on various marketplaces. Their product focuses on providing continuous financing solutions to sellers without a specific repayment deadline. Sellers using the platform have been trading for over six months, and the platform applies a unique scoring system that evaluates more than 100 business markers, including market dynamics and projected profitability. Seller Capital needed an internal system to automate data collection and client scoring, enhancing their ability to offer credit and identifying top performers while eliminating underperformers. Our task was to improve integration with banks and services to increase automation and expand this system to streamline the financing process.

Project Goals

• Integrate with financial institutions to facilitate real-time data collection and client scoring, improving decision-making.
• Provide seamless, automated workflows that could scale with the company’s growing seller base and support real-time financing.

Challenges

• Developing a complex scoring system that accurately evaluates more than 100 unique business markers, including market trends and forecasted profitability.
• Creating secure, efficient integrations with external banking systems and APIs while maintaining the integrity of sensitive financial data.
• Building a system capable of scaling as Seller Capital grows, allowing it to handle an increasing volume of applications.

Our approach

Solution

Collaborating closely with the client, we designed a robust architecture that allowed for seamless integration of external banking services and financial APIs. Throughout the development process, we maintained close communication with Seller Capital, using an Agile approach to ensure flexibility and quick adaptation to new requirements as they arose. This iterative process allowed us to continuously refine the system and address the evolving needs of the client, ensuring a smooth and scalable solution.

We implemented automated workflows that connected directly with external banking systems, pulling real-time data to facilitate decision-making and financing approvals. This new architecture provided Seller Capital with a flexible and scalable solution that could handle the growing number of sellers applying for credit. The microservices-based design ensured that each component worked independently, allowing for easier updates and maintenance.

Team

Our team consisted of a project manager and two highly skilled developers. Their expertise in C#, .NET, and microservices architecture allowed them to deliver a solution that was both efficient and scalable.

Results

The project resulted in significant improvements to Seller Capital’s operational efficiency. The newly developed system enabled real-time processing of seller applications, reducing approval time by 50%. The integration with financial institutions streamlined the financing process, automating 80% of the workflow and positioning Seller Capital for continued growth in the fintech sector and e-commerce industry.

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