Process automation case study using the ROI-FIRST approach
Credit Assessment & Vehicle Plan Adjudication
Industry
Financial Services - Vehicle Financing
Date
Jul 17, 2026
Recommendation
✅ Automate
Time saved
From 22.5 min to 4.5 min per case
ROI Automation, recommendation and costs
COP
currency $:
Level of Automation | % Automation | Cases x Month | Time x Case (hours) |
|---|---|---|---|
High - 8 of 9 sub-processes fully automatable: document intake, OCR/IDP extraction, external portal queries, identity validation, financial capacity rules engine, credit decision routing, client notification, and core system registration | 80 | 2200 | 0.375 |
Personas Involucradas | Nivel de Cargo Promedio | Average Monthly Salary | Real Company Cost with Benefits |
|---|---|---|---|
5 | Mixed: Coordinator/Supervisor (Level 3, x1), Senior Analyst (Level 4, x2), Junior Analyst/Assistant (Level 5, x2) | 3.166.667 | 4.855.725 |
Monthly Operational Cost | Annual Operational Cost | Estimated Monthly Savings |
|---|---|---|
22.616.175 | 271.394.100 | 18.092.940 |
Estimated Annual Savings | Year 1 Investment | Net Benefit Year 1 |
|---|---|---|
217.115.280 | 104.000.000 | 113.115.280 |
Cumulative Net Benefit 3 Years | FTE Equivalente Liberado |
|---|---|
499.345.840 | 4 |
Power in Numbers
109
ROI Year 1 (%)
6
Payback (months)
2.1
Cost/Benefit ratio
✅ Automate
80% of the process is automatable - covering 8 of 9 sub-processes at 100% automation each. The current model absorbs 825 operational hours per month across 5 full-time roles, all spent on manual document classification, external portal queries, data entry, and email-based decision routing. The financial case is clear: COP $217,115,280 in annual savings against a COP $104,000,000 Year 1 investment yields a 109% first-year ROI with a 6-month payback. Beyond the numbers, the case for automation is strategic: the current setup caps daily processing at 100 requests tied to 5 people on an 8-hour schedule. Automation doubles throughput to 200+ daily requests with 24/7 availability, zero additional headcount, and full audit traceability per decision - turning a compliance liability into a competitive asset.
Signs of inefficiency detected
Continuous manual follow-up required to track each request status - no structured traceability exists. Document recovery and classification done manually at 100 cases per day. Credit decisions routed via email, generating daily bottlenecks. No visibility into process stage per request at any point in the flow. Cycle time unmeasured by stage - total time ranges from 15 to 30 minutes with no breakdown. Critical dependency on 1–2 people for financial analysis and capacity rules. Final core system registration, document classification, and status tracking all handled outside the system via Excel and email.