Source: https://atanasseri.com/projects/consumer-credit
Last modified: 2026-09-08

[All projects](https://atanasseri.com/projects)

# Consumer Credit: Turning a Fragmented Process into One Product System

An end-to-end consumer-credit lifecycle embedded in off-plan residential purchases.

Role

Product Manager

## Consumer Credit: Turning a Fragmented Process into One Product System

Consumer CreditEnd-to-End Product OwnershipCredit RiskOperationsProperty-Secured Finance

Visualization of consumer credit lifecycle

### Organization

Maskan Investment Group (MIG)

### Objective

Deliver a developer-financed, property-secured B2C credit product embedded in off-plan residential purchases within a business delivering approximately 1,400 units annually.

### My Role

Product Manager for the end-to-end consumer-credit lifecycle. I coordinated execution across Credit Risk, Sales, Finance, Legal, Construction, Customer Service, and Collections.

### Process

Connected customer onboarding, affordability, underwriting, pricing, contracts, down payment, construction milestones, initial funding, repayment observation, property handover, final allocation, collateral release, exceptions, and recovery. Translated credit policies into structured business rules, approval gates, decision rights, handoffs, and operational workflows.

### Outcome & Impact

Reduced the project setup-to-initial-funding cycle from approximately six months to three weeks (an estimated 88% reduction), and contributed to an approximately 23% reduction in defaults among customers progressing to final unit allocation.

### Reflection

Risk was not reduced by adding more isolated controls. It was reduced by making the complete lifecycle visible and redesigning how decisions, information, and accountability moved through the system.