Migrating Barclays Credit Risk Platforms
Led product work on credit-risk integrations and platform migration for lending decisions.
- Credit risk
- Bureau integrations
- Platform migration
- Lending
Siddharth Mishra
Lead Product Manager at Zeta
From their time as
Product Manager
Barclays • 2019 - 2021
Overview
Siddharth led product work on Barclays credit-risk platform migrations and bureau integrations. The work reduced credit-decision response time by 75% and supported a mortgage journey calling six risk bureaus.
The Story
Siddharth worked on lending and credit-risk products at Barclays, where decisioning depended on legacy platforms and third-party risk services. His work included affordability, fraud-risk, and income-calculator capabilities.
He owned roadmap work for moving credit-risk services to in-house solutions and led architecture discussions for the mortgage application journey. The scope included integrating credit and fraud bureaus, including services associated with Experian and TransUnion.
The work focused on faster, more resilient risk evaluation while meeting the needs of regulated lending decisions. He also contributed to the Digital Debt Switcher launch, positioning the product around consolidating several loans into one Barclays loan.
The platform migration reduced credit-decision response time by 75%. A mortgage journey using six credit-risk bureaus reduced application processing time by 50%.
Ownership Snapshot
Broad role
Product Manager for Barclays lending and credit-risk products.
Goal
Improve lending decisioning through in-house risk platforms and bureau integrations.
Direct ownership
Owned roadmap and architecture discussions for migration and risk decisioning.
Team execution
Worked with commercial, risk, and technology teams on product delivery.