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Professional
Scaling the state mortgage programme into a market-leading product
National Housing Initiative · Ukrgasbank
Mapped and streamlined the end-to-end subsidised-mortgage process so the bank could scale to national market leadership.
- Role
- Business Analyst / Product Owner
- Domain
- Lending · Government programme
- Team
- Credit, government agencies, branches, IT
- Tools
- BPMN, Jira, Confluence
Context
The bank set out to scale subsidised mortgage operations under a national housing initiative — and to do it well enough to become a market leader, across credit, government agencies and a large branch network.
My contribution
- Mapped and streamlined the end-to-end lending process (As-Is / To-Be) for the subsidised-loan flow.
- Defined requirements with credit and government stakeholders and aligned them with branch operations.
- Supported branch rollout and tracked issuance and market-share KPIs.
Approach
- 1Discovery — process mapping across credit, branches and government agencies.
- 2Requirements — subsidised-loan flow requirements and a branch-operations checklist.
- 3Delivery — branch rollout support.
- 4Validation — issuance and market-share KPI tracking.
Artifacts
The business-analysis evidence behind the work.
Results & metrics
5,229
mortgages issued
#2
mortgage lender in Ukraine
25%
market share
Business value
Helped turn a government subsidy programme into a market-leading product line — the bank reached #2 in Ukraine with 25% market share.
What I’d do next / learnings
At national scale, the process is the product: streamlining the lending flow and branch handoffs mattered as much as the loan terms.