TD BANK - Credit Adjudication System

TD Bank is one of the world's biggest banks.

I was provided an amazing opportunity to lead a large team to rebuild TD's credit card approval system from scratch. I was not going to miss this rare intrapreneurship chance.

Why? Without this critical rebuild, the MasterCard credit card division would not be able to add new customers. This system could be used as the foundation for any lending product such as VISA credit cards, insurance, mortgages, etc...

This is what we achieved:

  • Automated web service to approve or declines 400,000+ credit card applications annually, with the ability to support a 20% growth rate.

  • New call centre web app for credit, fraud and customer support agents to address border cases and support calls.

I led a 10+ person development team for the call centre web app, became its main UX/UI designer, and gathered most of the technical requirements by pushing hard for regular customer feedback.

It was an awesome experience to do massive release planning, executing on the plan, and scaling a software team from 4 to 20+ people on such a key system.