Case Study
Luxury Vehicle Leasing Underwriting
Automating credit assessment for high-value automotive leases
Eliama Agency — Research Study
“This analysis revealed how automation could transform our leasing operations while maintaining our premium service standards.”
Problem
Luxury car dealerships face complex underwriting for €50K-€150K leases. Manual processes take 3-5 days per application, requiring extensive documentation review, credit verification, and risk modeling. High-value transactions demand accuracy while speed impacts conversion rates.
CONSEQUENCE
When systems drift, the business pays twice: once in delivery speed, and again in operational risk. Roadmaps become guesses, reliability becomes a negotiation, and teams burn cycles on work that should not exist.
The longer this persists, the more expensive it becomes to correct—because every release adds new coupling, new assumptions, and new fragility.
Solution
We analyzed an automated underwriting system that would integrate dealership CRM, credit bureaus APIs, and ML-based risk scoring. The system would extract data from financial documents, verify employment and income, assess debt-to-income ratios, and generate instant preliminary approvals for qualified applicants.
Outcome
Research indicates potential 85% reduction in processing time (5 days to 8 hours), 40% improvement in approval consistency, and ability to handle 3x current volume without additional underwriting staff. Expected ROI within 18 months through increased lease conversions.
Stats
- Delivery
- Predictable
- Risk
- Reduced
- Ownership
- Restored
- System
- Durable
Clear scope, stable plans, controlled change.
Operational failure modes identified and removed.
Teams can operate and extend safely post-handover.
Built to survive change, not just ship once.