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About Me
I am a B. Tech. & M. Tech. from IIT’s having overall 16 years of testing experience across Auto Loan (Finance), Pharma, Telecom, Retail & Healthcare domains. My work involves preparing Test Strategy, Test Plan and development and design of test ...
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Description
The Capital One Loan Origination System deals with the underwriting and funding processes for auto loans. An auto loan application can come into the CLO system through various ways. Because of this the origination process is split into two main lines of business that are treated differently:
Direct: Customer interacts directly with Capital One for auto loans. This would include internet applications, refinance and some partner submitted applications. Direct applications are then further segmented based on Prime and Subprime.
Dealer: Customer goes to dealership and dealer sends the application to Capital One. This line of business is also sometimes referred to as indirect. Dealer applications are then further types as Dealer Track, Route one etc.
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