Automotive credit management system
Comprehensive automotive credit management platform with multi-actor workflows and digital signing.
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The problem
An automotive company managed its credit lines for dealerships manually and in a fragmented way. The process involved multiple actors — operators, legal representatives, advisors, administrators and validators — with no centralized system to control states, validate business rules, or guarantee traceability throughout the complete process.
What I built
I developed the frontend of a comprehensive credit management system that unifies the entire workflow — from the initial requisition to the digital signing of the contract. Four technical decisions defined the project:
State and actor control — I designed a permissions and state system that determines what each actor can see and do at every step of the process. A dealership operator never sees what an internal validator sees, and vice versa. The workflow does not advance if states are not correctly resolved.
Differentiated business rules — The validation, approval and requisition-generation logic differs for new-unit credits, pre-owned units and refinancing. Each type has its own set of rules implemented so the system applies them automatically based on context.
Digital signing with an external service — Signing happens on the external provider’s portal. On our side I implemented document generation and regeneration, submission to the service, receipt of signed documents via webhooks, and automatic assignment to the corresponding credit.
CRM integration — The system is connected at all times to the company’s CRM, synchronizing information about dealerships, credit lines and requisition states.
The result
A process that was previously manual, error-prone and untraceable became an end-to-end controlled digital workflow — with automatic validations, state auditing and integrated legal signing.