Check

Check - Reinventing the Credit Decision Experience

Role

Led end-to-end design

4 Competitors

Competitive Analysis

100+ Analysts

Analysts Survey

25+ User

Interviews

User Stories

User Stories

Angela Martinez (Credit Manager)

  1. Needs IT help to change or test business rules.

  2. No centralised audit log of analyst actions.

  3. Cannot easily spot override patterns or high-risk flags.

  4. Hard to trace logic behind AI scoring decisions.

  5. Needs to rely on reports that are slow and manual.

Paul Smith (Credit Analyst)

  1. Wastes time switching between systems and tabs.

  2. Can't easily compare multiple loan structures.

  3. Needs developer help to adjust approval rules.

  4. Lacks transparency in AI-driven decisions.

  5. Has to manually write emails/notes for funding team.

David Lee (Funding Analyst)

  1. Unclear finance structure was approved.

  2. Track pending vs cleared stipulations.

  3. Rely on email or calls to ask for clarifications.

  4. No audit trail of document actions.

  5. Systems switching to preview documents.

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