LIAM

LIAM powers the full lifecycle of a loan at Pioneer Finance Technologies: application, assessment, decisioning and servicing, in one platform. It is several codebases rather than one — the portal people actually use, the process service that orchestrates an application, and the partner API that opens it up to brokers and retail partners.

The portal serves customers, brokers, retail partners, merchants and internal staff from a single deployment, with the lending workflow modelled explicitly as a stage machine rather than scattered through the code. API contracts are described once as schemas, which generate both the OpenAPI spec and the typed client the frontend consumes, so the two cannot drift apart.

Behind it, the process service runs the application itself — pulling bank statement data, ordering credit checks, evaluating the credit rule set and handling documents. Decisioning lives as an explicit rule system, so a rule can be read, changed and tested on its own rather than being reverse-engineered out of a pile of conditionals.