Retailer Rate Enhancement Tool
What Needed Solving
With 250 retailers each connected to 3-4 lenders, and each lender offering dozens of rate products, the total matrix of rates across the portfolio runs into thousands of combinations. When lender subsidies change, commission structures shift, or new finance products launch, identifying where a retailer's offering could be improved was a lengthy manual comparison. BDMs had no quick way to see which of their retailers were missing out on better rates.
Technical Decisions
I chose jsforce for Salesforce API extraction rather than manual exports because rate cards change frequently and the analysis needs current data. RAG classification with configurable thresholds rather than hardcoded rules, because what counts as suboptimal varies by lender relationship and volume tier. HTML report output rather than a live dashboard because the commercial team reviews it in weekly meetings and screenshots specific retailers for follow-up.
The tool also generates per-retailer PDF rate cards for FCA disclosure compliance. One tool, two outputs.
How It Works
The tool connects to Salesforce, extracts all active rate card configurations, then normalises them across retailer, waterfall position, and lender. Each retailer-product combination gets a RAG classification: RED where clear improvements are available, AMBER where tradeoffs exist, GREEN where the configuration is already optimal. The output shows current rates alongside what could be offered, with commission impact quantified.
What It Changed
The BDM team can now see at a glance which retailers have enhancement opportunities. Rate reviews shifted from reactive (during individual account reviews) to proactive (weekly portfolio analysis). The tool instantly identifies, based on the most current rates available, where the gaps and enhancements are so the commercial team can act on them immediately.
Stack
See It
This demo shows the rate analysis interface with fictional retailers and anonymised lender data. The RAG classifications, filters, and expandable detail sections all work as they do in the production tool.