Check - Credit Decision Platform


An AI powered credit decisioning engine designed to automate credit evaluations, ensure compliance across varying regulations, and streamline the credit approval process. Leveraging robust scoring models, automated decision rules, integrated credit checks, AI-driven insights, and manual decision support through a summarized risk view, Check helps finance and leasing businesses make faster and more confident lending decisions.

Our Vision

Our vision was simple yet ambitious: empower analysts to make smarter, faster, and fairer credit decisions through a platform that feels intuitive, flexible, and powerful. We wanted to eliminate the guesswork, the delays, and the disconnected tools that make modern lending inefficient.

We envisioned a world where every analyst could:

  • Instantly access all relevant applicant data

  • Build and compare finance structures effortlessly

  • Collaborate with funding teams

  • Rely on AI-generated insights without losing transparency

MY ROLE:

Led end-to-end design Journey

Led end-to-end design Journey

User Research & Insights

We kicked off with interviews and workshops involving loan officers, underwriters, and even end borrowers. We asked: What frustrates you about the current process? What data do you need? We discovered that compliance and trust were paramount – users wanted clear explanations of decisions and an interface that felt modern.

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Competitive Analysis

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Competitive Analysis

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Competitive Analysis

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Analyst Surveys

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Analyst Surveys

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Analyst Surveys

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User Interviews

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User Interviews

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User Interviews

Gaps in the Fintech Experience

We conducted an in-depth market study to understand where current Tier-1 credit decision engines like FICO® Origination Manager, Experian PowerCurve, and SAS Decision Manager fell short.

  • Complex user experience: switching between alot of tabs

  • No Comparison Between multiple finance structures

  • Developer dependancy to update rules

  • No centralised audit log

  • Unclear finance structure approval

  • Pending/cleared stipulations tracking

  • System Switching

  • Market/Applicant deep insights

Solution Strategy

Our product strategy was shaped by the recurring frustrations and unmet needs we heard from analysts and managers alike. We anchored our solution around three foundational pillars:

  1. Clarity

  1. Clarity

A single source of truth that unifies applicant, asset, and deal data in one cohesive dashboard.

  1. Control

  1. Control

Give analysts the power to build, compare, and approve finance structures—without technical support.

  1. Collaboration

  1. Collaboration

Break the silos between credit and funding teams with built-in communication and shared visibility.

Potential Solutions

Our product strategy was shaped by the recurring frustrations and unmet needs we heard from analysts and managers alike. We anchored our solution around three foundational pillars:

Problem

Switching Between alot of Tabs

Switching Between alot of Tabs

UX Response

Single Screen Dashboard

Single Screen Dashboard

Problem

Finance Structure Comparison

Finance Structure Comparison

UX Response

Multiple Finance Structures

Multiple Finance Structures

Problem

Developer Dependancy

UX Response

In App Configurations

Problem

No Centralised Audit Log

UX Response

Audit Log Tracking

Problem

Unclear Structure Approval

UX Response

Decision Reason + Stipulation

Problem

Stipulation Tracking

UX Response

Task Management System

Problem

System Switching

UX Response

Credit Check Integrations

Problem

Market/Applicant Deep Insights

UX Response

AI Driven Insights

Problem

Developer Dependancy

UX Response

In App Configurations

Problem

No Centralised Audit Log

UX Response

Audit Log Tracking

Problem

Unclear Structure Approval

UX Response

Decision Reason + Stipulation

Problem

Stipulation Tracking

UX Response

Task Management System

Problem

System Switching

UX Response

All API Integrations within App

Problem

Market/Applicant Deep Insights

UX Response

AI based Insights

User Flows

Our product strategy was shaped by the recurring frustrations and unmet needs we heard from analysts and managers alike. We anchored our solution around three foundational pillars:

Blueprints of the Solution

Before diving into high-fidelity visuals, we focused on translating insights into structure. These low-fidelity wireframes helped us rapidly map out user flows, define key touchpoints, and validate content hierarchy with stakeholders. The goal was clarity—minimizing complexity while ensuring every component had a clear purpose. These wireframes became our blueprint, enabling quick iteration and alignment between design, product, and engineering teams.

From Vision to Pixel-Perfect Precision

Task Management System Dashboard Customisation Single Screen Dashboard AI Integrated Insights API Integrations Dashboard Customisation Business Rules Configuration User Management System

From Vision to Pixel-Perfect Precision

Task Management System Dashboard Customisation Single Screen Dashboard AI Integrated Insights API Integrations Dashboard Customisation Business Rules Configuration User Management System

From Vision to Pixel-Perfect Precision

Task Management System Dashboard Customisation Single Screen Dashboard AI Integrated Insights API Integrations Dashboard Customisation Business Rules Configuration User Management System

One View to Rule It All: Applicant Dashboard

A unified, 360° view of the applicant—credit profile, income, documents, risk tiers, and history—all in one intelligently organized interface.

Credit Analyst: Corporate Applicant

Credit Analyst: Individual Applicant

One Unified View for Funding Analyst

All-in-one view for reviewing applicant data, documents, compliance, and financials.

One Unified View for Funding Analyst

All-in-one view for reviewing applicant data, documents, compliance, and financials.

One Unified View for Funding Analyst

All-in-one view for reviewing applicant data, documents, compliance, and financials.

Credit Analyst: Corporate Applicant

Credit Analyst: Individual Applicant

Structure It Your Way

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AI-Driven Insights

AI-Driven Insights

Task Queue Management System

Build and adjust credit logic visually. From thresholds to triggers, every business rule is configurable through an intuitive interface—giving analysts control, not code.

Task Queue Management System

Build and adjust credit logic visually. From thresholds to triggers, every business rule is configurable through an intuitive interface—giving analysts control, not code.

Task Queue Management System

Build and adjust credit logic visually. From thresholds to triggers, every business rule is configurable through an intuitive interface—giving analysts control, not code.

Finance Structure Comparison

Side-by-side comparisons of multiple financing structures,complete with AI-assisted suggestions, visual scoring, and interactive toggle —empowering analysts to make the best call, faster.

Finance Structure Comparison

Side-by-side comparisons of multiple financing structures,complete with AI-assisted suggestions, visual scoring, and interactive toggle —empowering analysts to make the best call, faster.

Finance Structure Comparison

Side-by-side comparisons of multiple financing structures,complete with AI-assisted suggestions, visual scoring, and interactive toggle —empowering analysts to make the best call, faster.

Notes & Audit Trail

Trace every thought and decision with contextual notes and a fully transparent audit trail—because compliance and clarity should never be optional.

Notes & Audit Trail

Trace every thought and decision with contextual notes and a fully transparent audit trail—because compliance and clarity should never be optional.

Notes & Audit Trail

Trace every thought and decision with contextual notes and a fully transparent audit trail—because compliance and clarity should never be optional.

Business Rule Configurations

Build and adjust credit logic visually. From thresholds to triggers, every business rule is configurable through an intuitive interface—giving analysts control, not code.

Business Rule Configurations

Build and adjust credit logic visually. From thresholds to triggers, every business rule is configurable through an intuitive interface—giving analysts control, not code.

Business Rule Configurations

Build and adjust credit logic visually. From thresholds to triggers, every business rule is configurable through an intuitive interface—giving analysts control, not code.

Score Card Configurations

Design and modify internal scorecards based on key metrics. Adjust weightings, review model performance, and simulate outcomes—all without breaking a line of code.

Score Card Configurations

Design and modify internal scorecards based on key metrics. Adjust weightings, review model performance, and simulate outcomes—all without breaking a line of code.

Score Card Configurations

Design and modify internal scorecards based on key metrics. Adjust weightings, review model performance, and simulate outcomes—all without breaking a line of code.

User Management System

Define roles, assign permissions, and control access—whether for credit analysts, funding teams, or managers. A secure, scalable solution to manage your growing operation.

User Management System

Define roles, assign permissions, and control access—whether for credit analysts, funding teams, or managers. A secure, scalable solution to manage your growing operation.

User Management System

Define roles, assign permissions, and control access—whether for credit analysts, funding teams, or managers. A secure, scalable solution to manage your growing operation.

Structure It Your Way

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Check - The Journey to a Next-Gen AI First Credit Decision Platform

An AI powered credit decisioning engine designed to automate credit evaluations, ensure compliance across varying regulations, and streamline the credit approval process. Leveraging robust scoring models, automated decision rules, integrated credit checks, AI-driven insights, and manual decision support through a summarized risk view, Check helps finance and leasing businesses make faster and more confident lending decisions.

Check - Credit Decision Platform


An AI powered credit decisioning engine designed to automate credit evaluations, ensure compliance across varying regulations, and streamline the credit approval process. Leveraging robust scoring models, automated decision rules, integrated credit checks, AI-driven insights, and manual decision support through a summarized risk view, Check helps finance and leasing businesses make faster and more confident lending decisions.

Final Results

The launch of Check AI brought real, measurable improvements to the decision-making process. By simplifying complex tasks and offering intelligent suggestions, it empowered analysts to work faster and with more confidence.

  • 60% reduction in errors related to compliance and business rule violations

  • Time to decision dropped from 2 hours to under 5 minutes.

  • Analyst satisfaction improved by 42%.

  • Loan approval accuracy (based on repayment risk models) improved by 28%.

Overall, Check AI transformed the way analysts approach credit decisions—making the process smarter, smoother, and more reliable. This successful outcome proves how thoughtful design and the right technology can create real business value.

Trusted by Teams & Individuals

Trusted by Teams & Individuals

Hamza Sohail

Lead Product Manager@Netsol Technologies

I had the opportunity to work with Qasim on two different products, and I appreciated the value he brought to our team as a product designer. Qasim has ability to design digital products from the ground up, initial concept to final launch. He was quick to adapt and expand his skill set, including gaining hands-on experience with design thinking and customer experience mapping.

Hamza Sohail

Lead Product Manager@Netsol Technologies

I had the opportunity to work with Qasim on two different products, and I appreciated the value he brought to our team as a product designer. Qasim has ability to design digital products from the ground up, initial concept to final launch. He was quick to adapt and expand his skill set, including gaining hands-on experience with design thinking and customer experience mapping.

Hamza Sohail

Lead Product Manager@Netsol Technologies

I had the opportunity to work with Qasim on two different products, and I appreciated the value he brought to our team as a product designer. Qasim has ability to design digital products from the ground up, initial concept to final launch. He was quick to adapt and expand his skill set, including gaining hands-on experience with design thinking and customer experience mapping.

Jahan Zaib

Senior Business Analyst@Netsol Technologies

I had the opportunity to work with Qasim in one of the products “Credit Decision Engine” which is a key part of leasing and financing solution. His attention to detail in Figma is outstanding, from clean component libraries to seamless prototyping. Qasim is highly skilled in designing, a great problem-solver, a collaborative team player, reliable, adaptable, and always willing to support the team. He consistently delivered his tasks, and his dedication and work ethic are truly commendable. Beyond his technical abilities, he is a pleasure to work with.

Jahan Zaib

Senior Business Analyst@Netsol Technologies

I had the opportunity to work with Qasim in one of the products “Credit Decision Engine” which is a key part of leasing and financing solution. His attention to detail in Figma is outstanding, from clean component libraries to seamless prototyping. Qasim is highly skilled in designing, a great problem-solver, a collaborative team player, reliable, adaptable, and always willing to support the team. He consistently delivered his tasks, and his dedication and work ethic are truly commendable. Beyond his technical abilities, he is a pleasure to work with.

Jahan Zaib

Senior Business Analyst@Netsol Technologies

I had the opportunity to work with Qasim in one of the products “Credit Decision Engine” which is a key part of leasing and financing solution. His attention to detail in Figma is outstanding, from clean component libraries to seamless prototyping. Qasim is highly skilled in designing, a great problem-solver, a collaborative team player, reliable, adaptable, and always willing to support the team. He consistently delivered his tasks, and his dedication and work ethic are truly commendable. Beyond his technical abilities, he is a pleasure to work with.

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