Next-Gen Core Banking & Loan Management Platform
Next-Gen Core Banking & Loan Management Platform
Modernizing legacy lending with automated underwriting, a double-entry ledger, and secure payment orchestration.
Modernizing legacy lending with automated underwriting, a double-entry ledger, and secure payment orchestration.
FinTech · Australia · Architectural Rescue + Sovereign LMS Engineering + Algorithmic Underwriting
FinTech · Australia · Architectural Rescue + Sovereign LMS Engineering + Algorithmic Underwriting
A scalable lending platform for automated credit decisions and high-volume loan servicing.
A scalable lending platform for automated credit decisions and high-volume loan servicing.
About the Platform
About the Platform
90%
Cloud
Opex reduction
10K+
Active
borrowers
Active
borrowers
<15s
average decision time
average decision time
We engineered an enterprise-grade core banking platform, eliminating third-party licensing costs, automating underwriting decisions in under 15 seconds on average, and ensuring compliance with Australian lending regulations.
We engineered an enterprise-grade core banking platform, eliminating third-party licensing costs, automating underwriting decisions in under 15 seconds on average, and ensuring compliance with Australian lending regulations.
Key Functionalities
Key Features Implemented
Key Features Implemented
01
In-House Double-Entry Transaction Ledger
Built a real-time double-entry ledger with automated fee calculations, enforcing the 200% fee cap and eliminating third-party LMS dependency
Built a real-time double-entry ledger with automated fee calculations, enforcing the 200% fee cap and eliminating third-party LMS dependency
02
Algorithmic Bank Statement Decisioning
Automated bank statement analysis and auditable credit decisions in under 15 seconds on average.
Automated bank statement analysis and auditable credit decisions in under 15 seconds on average.
03
03
Real-Time Payouts & Direct Debit Scheduling
Automated secure loan payouts and payroll-aligned direct debits, accounting for weekends and public holidays.
Automated secure loan payouts and payroll-aligned direct debits, accounting for weekends and public holidays.
04
04
Frictionless Mobile Borrower Experience
Simplified mobile onboarding with instant authentication, bank feeds, repayment calculators, and e-signatures.
Simplified mobile onboarding with instant authentication, bank feeds, repayment calculators, and e-signatures.
05
05
Operations Command & Assessment Worksheets
Unified loan assessments with affordability tools, transaction analysis, and flexible hardship rescheduling
Unified loan assessments with affordability tools, transaction analysis, and flexible hardship rescheduling
06
Immutable Financial & Regulatory Audit Trails
Created timestamped, append-only audit trails and locked approval calculations to support ASIC compliance reviews
Created timestamped, append-only audit trails and locked approval calculations to support ASIC compliance reviews
-Replaced Min-IT with a proprietary ledger, eliminating recurring licensing costs.
-Automated underwriting to deliver credit decisions in under 15 seconds.
-Prevented duplicate loan disbursements using atomic database locks.
-Reduced cloud costs by 90% while embedding automated regulatory compliance
-Replaced Min-IT with a proprietary ledger, eliminating recurring licensing costs.
-Automated underwriting to deliver credit decisions in under 15 seconds.
-Prevented duplicate loan disbursements using atomic database locks.
-Reduced cloud costs by 90% while embedding automated regulatory compliance
Our Delivery Framework
Our Proven Delivery Approach
Our Proven Delivery Approach
Four steps from discovery to a production-ready platform your team fully owns.
Four steps from discovery to a production-ready platform your team fully owns.
Platform Audit & Discovery
Analyzed legacy systems, lending regulations, and migration requirements to identify gaps and define a scalable roadmap.
Clear assessment. Strategic roadmap. Seamless migration.
Sovereign Core Banking & Ledger Engineering
Built a proprietary double-entry ledger with automated fee calculations and payment scheduling.
Financial control. Automated compliance. Reliable transactions.
Serverless Algorithmic Underwriting Engine
Automated bank statement analysis and credit assessments, delivering decisions in under 15 seconds on average.
Faster decisions. Scalable processing. Auditable outcomes.
Frontend Modernization & Production Launch
Launched mobile-first borrower onboarding and an underwriting console with seamless customer data migration.
Better user experience. Streamlined operations. Reliable performance.
Platform Audit & Strategic Discovery
Analyzed legacy systems, lending regulations, and migration requirements to identify gaps and define a scalable roadmap.
Clear assessment. Strategic roadmap. Seamless migration.
Sovereign Core Banking & Ledger Engineering
Built a proprietary double-entry ledger with automated fee calculations and payment scheduling.
Financial control. Automated compliance. Reliable transactions.
Serverless Algorithmic Underwriting Engine
Automated bank statement analysis and credit assessments, delivering decisions in under 15 seconds on average.
Faster decisions. Scalable processing. Auditable outcomes.
Frontend Modernization & Production Launch
Launched mobile-first borrower onboarding and an underwriting console with seamless customer data migration.
Better user experience. Streamlined operations. Reliable performance..
Your Vision Deserves Enterprise-Grade Execution
Your Vision Deserves Enterprise-Grade Execution
Senior-led teams, scalable architecture, and strategic delivery — building digital products designed for long-term growth, performance, and ownership.
Senior-led teams, scalable architecture, and strategic delivery — building digital products designed for long-term growth, performance, and ownership.
sublime.
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sublime.
DATABRICKS Bronze tier PARTNER
Databricks implementation and Data engineering Specialists. Helping Growth-Stage and Mid-Market Companies build production-ready Data platforms
© 2026 Sublime Data All rights reserved.
Data Services
AI & Product Services
Partners
Company
sublime.
Databricks implementation and Data engineering Specialists. Helping Growth-Stage and Mid-Market Companies build production-ready Data platforms
DATABRICKS Bronze tier PARTNER
© 2026 Sublime Data All rights reserved.
Data Services
AI & Product Services
Partners
Company