OneMain Financial
BrightWay Acquisition Pipeline
Overview
Mission-critical microservices for OneMain Financial's BrightWay credit card acquisition pipeline, optimized to reliably scale and support millions of users nationwide.
Tech Stack
Key Highlights
Architected event-driven microservices handling 10K+ concurrent credit card applications
Achieved 99.97% uptime on mission-critical financial processing pipeline
Reduced application processing latency by 65% through queue-based async workflows
Implemented comprehensive monitoring with automated alerting and failover mechanisms
The Challenge
OneMain Financial was launching the BrightWay credit card and needed a high-throughput acquisition pipeline that could handle national-scale traffic while maintaining strict compliance with financial regulations. The system needed to process applications in real-time, integrate with credit bureaus, and maintain audit trails for every decision.
My Approach
I designed an event-driven architecture using AWS Lambda and SQS to decouple application intake from processing stages. Each step — identity verification, credit scoring, decision engine, and fulfillment — operates as an independent service with its own retry logic and dead-letter queues. This ensures no application is ever lost, even under peak load.
Key Contributions
Built the orchestration layer that manages application state across all pipeline stages with exactly-once processing guarantees. Designed the monitoring dashboard that gives operations teams real-time visibility into application throughput, approval rates, and error rates. Created the automated scaling policies that handle 5x traffic spikes during marketing campaigns without manual intervention.