For many firms, traditional compliance processes built around spreadsheets, emails and manual audits are no longer sustainable at scale.
That shift is now driving a major move towards technology-enabled oversight models, with firms increasingly looking for more agile, transparent and defensible ways to manage broker relationships.
One company helping lead that transition is Oodle Car Finance, which has overhauled its intermediary oversight framework using a digital oversight platform developed in partnership with Auxiga and jaam automation.
Six months after implementing the Auxiga Oversight Portal, Oodle says it has transformed what was previously a highly manual, resource-heavy process into a scalable and standardised governance framework capable of evolving alongside regulation.
Before adopting the platform, intermediary oversight relied heavily on account managers handling individual emails, spreadsheets, Word documents and on-site broker visits. While workable, the process became increasingly difficult to maintain efficiently as oversight demands grew more complex.
Gethin Down, Senior Intermediary Oversight Manager at Oodle Car Finance, told That's Business that the growing demands of Consumer Duty made it clear a more agile system was needed.
The Oversight Portal combines regulatory oversight expertise with automation and AI-enabled workflows, giving lenders a more structured approach to broker compliance management while improving audit visibility and operational consistency.
For Oodle, the rollout has already seen almost 70 brokers onboarded through the platform. The business has replaced fragmented processes with digital attestations, structured audit workflows and clearer board-level reporting visibility.
According to Lisa Attenborrow, Intermediary Onboarding Oversight Manager at Oodle Car Finance, the impact on administration time has been significant, removing much of the manual chasing and document checking previously required.
But beyond operational efficiency, the company believes the platform is changing the relationship between lenders and brokers themselves.
Rather than oversight being viewed as a disruptive or punitive process, the digital model is helping create a more collaborative environment built around transparency, accountability and shared governance standards.
That wider industry shift is something Auxiga believes will accelerate rapidly as lenders continue facing mounting compliance obligations alongside growing intermediary networks.
Paul Neal, Managing Director at Auxiga, said intermediary oversight is increasingly evolving into a strategic control framework rather than a standalone compliance exercise.
Future developments for the Oversight Portal are expected to include enhanced management information dashboards, expanded on-site audit functionality and deeper CRM integration capabilities.
For the wider motor finance sector, the direction of travel now appears increasingly clear: scalable, collaborative and technology-enabled governance is quickly becoming essential rather than optional.
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