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:
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.
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:
A single source of truth that unifies applicant, asset, and deal data in one cohesive dashboard.
Give analysts the power to build, compare, and approve finance structures—without technical support.
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
UX Response
Problem
UX Response
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.
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.
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.