Strategy and Solution Evaluation

Benefits Realization and Product Value

Quantify operational value, control improvement, financial viability, measurable outcomes, and roadmap trade-offs for the credit transformation product.

Risk-Adjusted Benefit

RM 194K

Annual mock estimate

Hours Released

4,080

Annual capacity

Payback

11.4 mo

3-Year Net Benefit

RM 398K

Outcome Progress

75%

Value Case Assumptions

Adjust portfolio assumptions to test financial viability.

Annual applicationsCurrent manual hours / caseTarget hours / caseLoaded hourly cost (MYR)Implementation cost (MYR)

Investment Decision

Proceed

The mock case remains financially viable after a 20% realization haircut and clears the 18-month payback threshold.

Annual Benefit Composition

Gross assumptions with a separate risk-adjusted investment view.

Productivity capacityRM 183,600

Rework avoidanceRM 24,300

Control risk assumptionRM 35,000

Gross annual

RM 242,900

Risk adjusted

RM 194,320

3-year ROI

215%

BA recommendation: validate assumptions with a measured pilot, agree metric ownership before release, and separate capacity released from cashable savings in steering-committee reporting.

Benefits Realization Scorecard

Baseline, target, current position, accountable owner, and evidence source.

Outcome	Baseline	Current	Target	Progress	Owner	Evidence
First-time-right submission Cases entering Credit Analysis without document rework divided by submitted cases.	61%	79%	88%	67% realized	Head of Credit Operations	Workflow event log
Submission-to-decision TAT Average working days from complete submission to final decision.	9.4days	6.8days	5.5days	67% realized	Credit Transformation Product Owner	Case lifecycle timestamps
Manual follow-up time Average RM and operations effort spent chasing and validating documents.	3.8hours/case	2.5hours/case	2.1hours/case	76% realized	Credit Operations Manager	Time study sample
Uncontrolled waiver rate Waived required documents without complete maker-checker evidence.	14%	5%	2%	75% realized	Credit Control Owner	Waiver control report
Rule regression coverage Active high-impact rules with at least one passed regression scenario.	35%	83%	95%	80% realized	UAT Lead	Rule governance test lab
Critical data lineage coverage Critical data elements with documented source-to-output lineage.	42%	91%	100%	84% realized	Credit Data Owner	Data governance inventory

Outcome-Led Product Roadmap

Priority combines customer value, control risk reduction, and implementation effort.

NowIn Delivery

8.8

Evidence-grounded Credit Memo Studio

Reduce drafting time while preserving source traceability and human approval.

10/10

Value

9/10

Risk

6/10

Effort

NowIn Delivery

9.0

Business Rule Governance Center

Control rule versions, approvals, impact analysis, and regression evidence.

9/10

Value

10/10

Risk

5/10

Effort

NowReady

8.6

Critical Data Lineage and DQ Hub

Make source-to-decision data quality and ownership visible.

9/10

Value

10/10

Risk

7/10

Effort

NowIn Delivery

8.3

Benefits Realization Dashboard

Connect delivery scope to operational value, controls, and product investment decisions.

9/10

Value

6/10

Risk

4/10

Effort

NextReady

8.0

Release and Cutover Command Center

Provide evidence-led go-live, migration, training, and hypercare decisions.

8/10

Value

9/10

Risk

6/10

Effort

NextDiscovery

7.4

Core lending platform integration

Replace manual case input with governed API and reconciliation controls.

10/10

Value

8/10

Risk

10/10

Effort

LaterDiscovery

6.1

Portfolio-wide predictive bottleneck alerts

Identify likely SLA breaches early using explainable operational indicators.

7/10

Value

6/10

Risk

8/10

Effort

Product Ownership Signal

The roadmap does not prioritize features by visibility alone. It connects each investment to measurable outcomes, control risk, evidence ownership, and financial viability so the product owner can make an explicit trade-off decision.