Smava is a leading loan portal in Germany, comparing €1,000-€120,000 offers from 20+ banks. In this way, borrowers can choose and conclude the deal most favourable to them. As one of the largest fintech businesses in Germany, smava employs around 600 staff with over 40 nationalities under the direction of an experienced management team with strong backgrounds in finance and technology.
Data-driven approach to customer-to-bank matching balanced loan supply and demand, cut down bank rejections and held business stable in times of pandemic.
In 2019, I joined smava as a dedicated business analyst for the Product vertical, specifically focusing on enhancing the application matching engine. This involved integrating supply and demand through credit request pre-processing, customer scoring, and optimising credit offer selection. The engine's pivotal role in driving company growth necessitated ongoing optimisation to ensure fast service, high-quality offers, and improved lead-to-sale ratios.
In close collaboration with Data Science and Development teams, I consolidated essential data points for engine monitoring and conducted root cause investigations using comprehensive dashboards. Together, we devised a multi-layered strategy to address key bottlenecks in the matching process. I assisted engineers in pinpointing peak demand times and reorganising the banking request queue. Simultaneously, I analysed declined bank applications to uncover opportunities for converting similar cases into approvals. As the pandemic unfolded, I played a crucial role in identifying vulnerable business areas and implementing optimisations to ensure resilience during the crisis.
In a 30-minute call, we’ll nail down your goals and define the next steps.
You’ll fill out a consulting brief, which I’ll analyse to identify the immediate action points for optimising your business.
In this two-hour meeting, we’ll identify your key challenges and devise a short-term strategy to tackle them.
I’ll map out your process ‘as-is’ versus how it can be optimised, defining gaps and points of growth.
I will motivate your executives and decision-makers to collaborate, elevate unheard voices, and align optimisation efforts with wider company goals.
This is when we turn our vision into reality through 1:1 sessions, process audits, workshops, and more. I’ll be empowering your team to follow through at every step of the way (and following up a couple of months after we finish).
