A New Zealand bank was auto-decisioning less than 1% of business lending applications. That meant almost every application needed a human to review it. Contact centre staff. Credit analysts. Manual touchpoints at every step. The target for phase one was 60% up to $250,000. I was brought in to lead scoping, requirements, and business rules definition for the rebuild. The budget was NZ$1M. The team was five people. The challenge nobody had fully cracked with a previous attempt