0→1
Architected from scratch
Bank NPA collection & disposal long relied on offline workflows and manual case assignment, making channel coordination and deadline control difficult. ZhiAn builds a SaaS foundation for banks that converges scattered actions into one standardized process.
The platform covers creditor management, case workflow management, intelligent case assignment, channel collaboration and key-milestone alerting — bringing the entire collection & disposal flow online and keeping banks and channels in sync.
Combined with external data auto-capture, OCR recognition and a text-search engine, it builds an operational process and risk-asset data system for bank NPA disposal — so information is automatically accumulated and searchable.
A Java microservice architecture (Spring Boot / Spring Cloud) carries high-frequency domains — creditor, case, assignment, channel — split by domain and scaled independently for both stability and iteration speed.
Rule- and data-based intelligent case assignment, combined with a case workflow engine, enables automatic milestone alerts and push notifications — reducing the risk of missed or mishandled tasks.
OCR recognition and a text-search engine process unstructured materials such as contracts and documents, powering fast retrieval and channel sync — turning paper/scans into computable data.
As one of my complete 0-to-1 SaaS deliveries, ZhiAn honed the ability to "abstract a financial institution's complex disposal process into a configurable SaaS" — a full-cycle loop from requirements analysis and architecture to production deployment. It also laid the engineering baseline I later reused for vertical SaaS and big-data platforms in the insolvency domain (PoyiYun, Wupo Data).