Reach Financial is a personal lender that offers prospective borrowers the ability to get loans for debt consolidation (e.g., paying off multiple credit cards with a single payment).

To apply for a loan, borrowers must provide some specific personal information, and then that information is used to determine what pricing (e.g., interest rate, payment term, and total consolidation amount) a particular borrower qualifies for. Once that pricing is established, the borrower can make small configurations to the loan (e.g., change the term in exchange for a higher interest rate).

Traditionally, this process required substantial amounts of paperwork and back-and-forth with agents on the phone using calculators, but the company is going through the process of digitizing this end-to-end experience.

1. Borrowers use their web browser or mobile device to apply for a loan via a public digital experience (website)

   • Borrowers should be able to provide the necessary information to be qualified for a loan

     • Name
     • Address
     • Email
     • Phone
     • SSN
     • Total Loan Amount Requested
     • Number of Active Credit Cards or Lines of Credit

   • Based on those inputs (e.g., total loan consolidation amount and amount of credit cards or other types of loans), a basic offer (price) should be computed and presented

     • This price should include a total loan amount, an interest rate, a term, and a monthly payment based on the two

       1. If the loan amount requested is less than $10,000 or greater than $50,000, deny the application
       2. If the number of credit lines open is <10, a 36-month term and 10% interest applies
       3. If the number of credit lines open is <50 and >10, a 24-month term and 20% interest applies
       4. If the number of credit lines is >50, deny the application

     • This should be clearly presented to the borrower

   • Once the borrower has agreed to the terms, they are prompted to upload an identity document. The application is then submitted, and the borrower is informed of a 24-hour review turnaround.
     (No special automation for the upload is required)

2. Operational Leadership can analyze the overarching process and report on…

   • Applications submitted over time
   • General elapsed time from the application submitted to approved
   • Applications in each given status

3. And, as a test of your comfort & prowess in writing back-end code and an API integration:

   • During the application process, the borrower should be presented with pricing that is pulled directly from this External API.
   • Consider how this will be triggered, and how the data will flow back to the rest of the process

1. Sketch out in a diagram an architecture that uses AWS platform services to realize an end-to-end digital experience for the above process

   • Describe which AWS capabilities you would use for which parts of the use cases
   • Provide a summary of key considerations for the future:
     • What AWS platform infrastructure considerations should you make to ensure your application is hostable, scalable, and observable?
     • What data permission structures should you keep in mind or potentially consider?
     • How would you manage subsequent changes to your solution?

2. Build a very rudimentary full-stack application scaffolding that allows you to demonstrate the end-to-end scenario

   • Keep any of the logic engines (e.g., the pricing) hard-coded; we do not expect you to build any heavy-duty application logic as part of this
   • Don’t worry about making the UI pretty beyond Boostrap or whatever your preferred "prettification" kit is
   • Don’t worry about access control, data sharing, security, or any other more complex configuration work; you can talk about these aspects

We do not expect candidates to spend more than 2 hours in total on this, and we’re not expecting a prod-ready implementation — just a basic demo with some of the key functionality stubbed out to demonstrate how you would build this in more detail.

We do expect candidates to use this as an opportunity to highlight their developer workflow, and we're looking to get a feel for how you will be working in the real world both as an full-stack dev but also one on the team.