What factors are causing the average time to disburse loans on Yubi's Co-Lend product to increase by 30% this month?

Introduction

The recent 30% increase in average loan disbursement time for Yubi's Co-Lend product is a critical issue that demands immediate attention. This analysis will systematically investigate potential root causes, validate hypotheses, and propose targeted solutions to address this performance decline. We'll examine both internal and external factors, leveraging data-driven insights to develop a comprehensive resolution plan.

Step 1

Clarifying Questions (3 minutes)

• Looking at the timing, I'm thinking there might be a recent change in the loan approval process. Has there been any modification to the approval workflow in the past month?

Why it matters: Changes in processes can directly impact disbursement times. Expected answer: Yes, we implemented a new risk assessment step. Impact on approach: If confirmed, we'd focus on optimizing the new step.

• Considering user segments, I'm curious if this increase is uniform across all borrower types. Are we seeing any differences in disbursement times between, say, small businesses and individual borrowers?

Why it matters: Helps identify if the issue is systemic or segment-specific. Expected answer: Small businesses are experiencing longer delays. Impact on approach: We'd investigate factors unique to small business loans.

• Given the significant increase, I'm wondering about our system's current load. Has there been a substantial uptick in loan applications recently?

Why it matters: Increased volume could strain our processing capacity. Expected answer: Application volume is up 20% this month. Impact on approach: We'd look into scaling our infrastructure to handle higher loads.

• Thinking about external factors, have there been any recent regulatory changes affecting the lending industry?

Why it matters: New compliance requirements could slow down the process. Expected answer: No major regulatory changes in the past quarter. Impact on approach: We'd focus more on internal factors if confirmed.

• Considering data integrity, I'm curious if there have been any changes to how we're measuring or calculating the average disbursement time.

Why it matters: Ensures we're comparing apples to apples in our metrics. Expected answer: No changes to measurement methodology. Impact on approach: We'd rule out data inconsistencies and focus on actual performance issues.