02 / Fintech
Credstack
I designed a unified fintech lending platform that simplifies pre-approved credit access. RMs add leads, Ops manages documentation and assigns partner banks. Community partners bring additional leads with automated payout tracking. The system provides end-to-end visibility from lead creation to sanction and disbursement.
- CapServ, a pre-seed fintech startup
- Fintech
- 12 weeks (2025)
- Lead Product Designer
Outcome
- 80%Loan TAT cut, 5 days to 1 day
- 3 wksMVP shipped ahead of schedule
- 25%Fewer data-entry errors
- 30%Lift in eNPS
Context
Future-Ready Fintech Lending & Credit Management Platform
This platform delivers a next-gen fintech lending ecosystem that simplifies pre-approved credit access for both borrowers and investors. Built to streamline the entire lending lifecycle, it connects Relationship Managers (RMs), Operations teams, partner banks, and community affiliates into one unified workflow.
Solution
End-to-End Lead → Sanction → Disbursement Workflow
RMs can add and manage leads directly in the system, while the Operations team takes over to handle documentation, verification, and assignment of the appropriate partner bank. The platform acts as a bridge — tracking every stage from lead creation to sanctioning to final disbursement with complete transparency.
Bank & Partner Management
Admin teams can onboard, manage, and monitor multiple banks. Each bank’s disbursement rules, payout structures, and loan workflows can be configured and tracked in real time, ensuring smooth execution for varied lending products.
Community-Driven Lead Engine
A built-in community ecosystem allows affiliates to generate leads. The system manages onboarding, validations, payouts, and performance analytics for community partners — making it a scalable acquisition channel.
RM Dashboard & Incentive Tracking
Relationship Managers gain a dedicated dashboard to view lead status, track their incentives, log visits, and manage conversions effortlessly. This keeps their pipeline organized and performance-driven.
Complete Visibility for All Stakeholders
Borrowers receive a frictionless pre-approved credit experience, banks get structured lead funnels, RMs get clarity on incentives and progress, and ops teams manage workflows end-to-end — creating a lending ecosystem where every part works in harmony.
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