01
The problem
A fast-growing trade-finance lender extends credit against invoices it has never seen before. Approve the wrong exporter and the loss lands on the book; approve too few and the business stalls.
02
The constraint
Every decision has to scale with volume without loosening: the policy that governs a $1B flow of transactions must hold as the portfolio grows past $150M.
03
The system
Risk models and an underwriting strategy feeding a written transaction policy: thresholds, exposure limits, and escalation rules that codify who gets credit, how much, and on what terms.
FIG. 01 · SYSTEM FLOW · 6 NODES · 7 FLOWS
04
The human in the loop
Exposures above policy limits route to a risk lead before funds move; the policy captures every decision so the next one is faster.
05
The outcome
A $150M risk portfolio managed and the policy governing $1B in annual transactions designed.