Dear Apache Fineract Community, My name is Xin Wen, and I am writing to introduce myself as a prospective GSoC 2026 contributor interested in the Loan Origination POC project.
I bring an unusual combination of financial domain expertise and technical skills that I believe is directly relevant to this project. I spent 7 years as a Financial Operations Analyst at China Minsheng Bank (Shanghai), where I worked on institutional client management, deposit product operations, and process compliance. I passed FRM (Financial Risk Manager) certification exams, which covers credit risk modeling, loan valuation, and regulatory frameworks — directly applicable to loan origination models and risk assessment. On the technical side, I am currently pursuing an MS in Information Systems at Northeastern University (GPA 3.83), where I am developing skills in Python, SQL, and data engineering. I also passed the Chinese Bar Exam, giving me familiarity with financial regulatory compliance. I have reviewed the Loan Origination POC concept and the context around FINERACT-2418. I understand this is a moving target and that the project requires a self-starter who can propose a coherent POC approach. My initial thinking is to explore a survey of loan origination models — comparing scorecard-based, decision-tree, and cash-flow approaches — and propose API flows that could demonstrate LOS functionality, with or without the FINERACT-2418 backend depending on its status in June 2026. I am aware this project is still in draft mode and that mentor availability for risk modeling expertise is being confirmed. I am happy to wait for the formal kick-off before developing a full proposal, and I welcome any guidance on how to engage productively in the meantime. Thank you for your time. Best regards, Xin Wen MS Information Systems, Northeastern University GitHub: https://github.com/xin-wen-eng
