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Financial Services

Global bank builds a scalable loan portfolio platform on Salesforce

Context

A global financial institution running home renovation, mortgage, and automotive loan programs through third-party partners needed to replace a custom-object-heavy Salesforce data model that was never built for scale. Month-end reconciliation was manual, daily transaction loads from partners arrived without validation, and benchmark yield pricing was adjusted by hand. Each new lending program required a separate build, leaving the lending team tracking thousands of loans without a unified reporting layer. A Marketing Cloud investment was effectively blocked by data architecture that did not link related objects, creating opt-out risk across customer communications and preventing the marketing team from using out-of-the-box functionality. 

Value Created

519+
tranches processed across three distinct programs
124,000+
loans worth over $5.2B in principal managed on a single platform
New
third-party revenue streams opened through a configurable, reusable framework
Unblocked
Marketing Cloud journeys through a rebuilt data architecture

People

VALUE LEVERS 

  1. Unified loan portfolio reporting layer for the lending team
  2. Preference management and opt-out controls for the marketing team

HOW WE DID IT 

  • Built a reusable tranche-based loan portfolio framework on Sales Cloud, enabling the bank to onboard multiple third-party lending programs across home renovation, mortgage, and automotive without rebuilding from scratch each time
  • Delivered updated preference management controls to ensure communication opt-outs are respected across all Marketing Cloud journeys, resolving the opt-out risk created by fractured data in the previous architecture
  • Gave the lending team a single Salesforce reporting layer covering 519+ tranches and 124,000+ loans, with automated daily data loads and validated transaction data from each partner

Process

VALUE LEVERS 

  1. Approval workflows for tranche purchases and month-end close
  2. Automated GL posting via internal eGL integration
  3. Configurable benchmark yield pricing and test-load validation

HOW WE DID IT 

  • Established approval workflows for tranche purchases and month-end close, replacing a manual multi-step process that required coordination across the personal lending team
  • Integrated Salesforce with the internal GL system to automate posting on month-end close, eliminating manual journal entry across all programs
  • Implemented configurable business rules and benchmark yield pricing per program, with automated daily transaction data loads and test-load validation to catch third-party data errors before they reach production

Technology

VALUE LEVERS 

  1. Marketing Cloud data model rebuild with standard Lead and Person Account objects
  2. Relationship triggers to link related objects on data load

HOW WE DID IT 

  • Rebuilt the data model to adopt standard Salesforce Lead and Person Account objects, replacing the custom-object structure that had prevented Marketing Cloud from using out-of-the-box functionality
  • Built relationship triggers to link related objects correctly on data load, resolving the fractured data that had created opt-out risk and blocked Marketing Cloud journey execution
  • Delivered a reusable framework that reduces build time every time a new third-party lending program comes online, removing the need for a full rebuild with each program addition

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