01 / Retail banking
Redesigning the route from application to offer.
Reduction in application-to-offer time through the wider mortgage programme.
Improvement depends on changing how work moves across service, data and technology teams.
The situation
A mortgage operation had a manual journey, avoidable pending work and too many hand-offs. Improving customer service and processing performance required coordinated change across the teams running and changing the service.
My responsibility
I led the front-to-back redesign of mortgage origination with service, data and technology colleagues. My remit connected operating design, delivery priorities and benefits assurance, working with the leaders responsible for the service.
The work
I brought process and customer-journey design together with data, workflow, automation and technology expertise. The work connected the changes needed across the journey to implementation priorities and benefit tracking with service owners and Finance.
The result
Application-to-offer time reduced by more than 40% through the wider mortgage programme. The work linked operating redesign to implementation across the service and its delivery partners.
I led the operating redesign. Service leaders, implementation partners and operating teams shared responsibility for implementation and the results.