Building a Scalable Lending Platform

From a coworking space to BMW and VW knocking. 925K cars, 430K homes — one industry-shifting platform.

Project Scope

We started with a single bank and scaled to a full credit ecosystem used by 15+ top banks. I designed intuitive, scalable UIs across the entire credit lifecycle — from dealership tools and smart verification to internal dashboards and risk systems.

We started with a single bank and scaled to a full credit ecosystem used by 15+ top banks. I designed intuitive, scalable UIs across the entire credit lifecycle — from dealership tools and smart verification to internal dashboards and risk systems.

Case Focus

This case is about car loans — the product that drove platform growth.

Role

Lead UI/UX Designer

I acted as a bridge between design, analytics, and engineering. I scaled our design efforts across a 600-person company, sometimes as the only designer — introducing structured workflows, clear prioritisation, and seamless cross-team alignment.

I acted as a bridge between design, analytics, and engineering. I scaled our design efforts across a 600-person company, sometimes as the only designer — introducing structured workflows, clear prioritisation, and seamless cross-team alignment.

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Curious about my process, research, and UX thinking?

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Car loans redesign Goal:

Streamline loan processing, reduce user errors, and empower agents — all while scaling design across 15+ banks.

Car loans redesign Goal:

Streamline loan processing, reduce user errors, and empower agents — all while scaling design across 15+ banks.

Challenges

Over a few years on this project, I solved dozens of UX issues. Here are the key ones:

Long, unstructured forms

User overwhelm and high drop-off

Manual data entry

Typos, slow processing, and rejected applications

UI wasn’t client-ready

Agents struggled to present or print clear loan terms

Standard-only flows

Non-standard cases defaulted to support, slowing resolution

Custom UIs for each brand

Increased effort, slow updates, and poor scalability

Lack of internal monitoring tools

Delays & unaddressed overloads

Solutions

Long, unstructured forms

User overwhelm and high drop-off

Input suggestions & autofill

Faster completion, fewer typos, better data quality

Client-friendly loan screen

Terms always visible, easy to change, show and print

Flexible edge-case flows

Designed UIs and microcopy for tricky scenarios

Unified design system

Reusable components across 15+ banks

Wall-mounted dashboards

Real-time alerts helped spot overloads instantly

Key UI Screens

Key UI Screens

A loan calculator for estimating monthly payments and presenting tailored loan offers.

A loan calculator for estimating monthly payments and presenting tailored loan offers.

A loan calculator for estimating monthly payments and presenting tailored loan offers.

Iteration Improvements

Constantly improved the product based on feedback — from calls, surveys, and on-site visits. One of many tweaks — the document upload flow. Similar wins happened all over the UI.

Example: File Uploader

Iteration 3

Docs stacked by type — clean, but comments were hidden inside. Looked awkward when only one or two stacks were on screen.

Iteration 6

Comments now always visible. Plus: added page count.

Iteration 10

No more toggling folders — docs are always there. Smooth and clear :)

Example: File Uploader

Iteration 3

Docs stacked by type — clean, but comments were hidden inside. Looked awkward when only one or two stacks were on screen.

Iteration 6

Comments now always visible. Plus: added page count.

Iteration 10

No more toggling folders — docs are always there. Smooth and clear :)

Example: File Uploader

Iteration 3

Docs stacked by type — clean, but comments were hidden inside. Looked awkward when only one or two stacks were on screen.

Iteration 6

Comments now always visible. Plus: added page count.

Iteration 10

No more toggling folders — docs are always there. Smooth and clear :)

Micro UX wins

Always-visible loan terms

Less confusion, option to adjust terms at any step

Fields aligned with document layout

Reduced confusion, 17% fewer input errors

Single-step document upload

No back-and-forth with clients

Yes, we used emojis

And no, users didn’t mind — even in banking flows

Clearer bank docs

Rewritten to remove legalese & improve readability

Secure document capture via agent’s phone

Files never stored locally

Supporting Tools & Modules

Supporting Tools & Modules

Dashboard for Loan Issuances

Helped teams monitor performance across employees, dealerships, and networks. The filter panel was inspired by the partner-facing loan app, keeping things familiar and fast.

Reward Calculation Tool

Streamlined bonus planning by turning complex logic into a simple interface — with if-then rules, group settings, and live forecasts. Built to handle both group-wide and individual incentives.

Work Schedule Manager helped the underwriting team plan shifts faster and spot staffing issues before they hit. The compact layout showed who’s working when, while the live graph highlighted peaks, gaps, and real-time headcount.