Took over a platform serving 8 million people, then grew the whole estate

Introduction

Four years ago, Home Credit asked us to take over the platform millions of their customers use every day — the main website behind a consumer-finance business serving more than 8 million people. We didn’t land on a side project. We took on the part that had to keep working, and earned the right to run all of it.

The challenge

A consumer-finance business moves fast: many markets, constant campaigns, and finance products that have to be right every time, for a customer base in the millions. The platform at the centre of it had to keep pace — and the work was outgrowing what could be carried in-house. We started alongside Home Credit’s internal team, but as the demands grew, the question stopped being about extra hands and became about who could own the outcome end to end.

Earning full ownership

When the work outgrew the internal team, Home Credit asked us to take it on fully — a dedicated team accountable for the platform itself, not a queue of tickets. We consolidated three major websites into a single Magnolia Cloud — a step up in scalability, performance and maintainability — and integrated multiple third-party vendors into one connected stack, so the moving parts behaved as a single, dependable platform rather than a collection of tools bolted together.

Expanding the estate

Two years ago we rebuilt Home Credit’s marketplace on Arcadier — a multi-retailer marketplace inside the app, with a catalogue of over a million products and embedded financing, so customers can browse, compare and buy with a point-of-sale loan. We wired in fast catalogue search and gave the marketing team a way to build campaigns and promotional pages without waiting on developers. The connective work already done underneath made each new capability faster and safer to add than the last — the estate compounding instead of fragmenting.

What we’re building now

This year we’re building Home Credit’s next commerce platform — a branded shopping experience with finance built in, running on Commerce Layer, with a bespoke order-management system underneath and the vendor partnerships that hold it together. The relationship has moved from running one platform to helping shape the digital business itself.

Where it stands

Four years in, Home Credit’s platform isn’t something that shipped and ended. It’s a connective core that keeps expanding — web, marketplace, commerce, embedded finance and order management — run by a team that has stayed accountable for it the whole way, and the client’s leading digital initiative three years running.