Improving the Instant Loan Application Experience
Improving the Instant Loan Application Experience
Improving the Instant Loan Application Experience
Fintech
Fintech
Domain
Domain
1.5 Months
1.5 Months
Duration
Duration
25+
25+
Screens Delivered
Screens Delivered
Context and Background
Context and Background
Context and Background
The core platform is an instant loan application which is fast, digital, and designed to reduce the friction that typically makes lending feel daunting. Users can apply for loans up to ₹10 lakhs, with the journey built to be as straightforward as possible.
The core platform is an instant loan application which is fast, digital, and designed to reduce the friction that typically makes lending feel daunting. Users can apply for loans up to ₹10 lakhs, with the journey built to be as straightforward as possible.
The core platform is an instant loan application which is fast, digital, and designed to reduce the friction that typically makes lending feel daunting. Users can apply for loans up to ₹10 lakhs, with the journey built to be as straightforward as possible.
Embedded within this experience is a cross sell layer for loan protection products that are Credit Life Insurance, EMI Protection, Hospital Cash, and Family Floater. The challenge was introducing these options without disrupting the primary loan flow or overwhelming users with decisions at a sensitive moment in their journey.
Embedded within this experience is a cross sell layer for loan protection products that are Credit Life Insurance, EMI Protection, Hospital Cash, and Family Floater. The challenge was introducing these options without disrupting the primary loan flow or overwhelming users with decisions at a sensitive moment in their journey.
Embedded within this experience is a cross sell layer for loan protection products that are Credit Life Insurance, EMI Protection, Hospital Cash, and Family Floater. The challenge was introducing these options without disrupting the primary loan flow or overwhelming users with decisions at a sensitive moment in their journey.
My deliverables
My deliverables
My deliverables
Conducted secondary research to understand how lending and loan protection journeys are designed in the fintech space, identifying friction points and best practices.
Conducted secondary research to understand how lending and loan protection journeys are designed in the fintech space, identifying friction points and best practices.
Led the full design process, from information architecture and wireframes through to final UI, working within Kotak's Embark design system to ensure brand consistency.
Led the full design process, from information architecture and wireframes through to final UI, working within Kotak's Embark design system to ensure brand consistency.
Collaborated directly with Kotak's PMs to simplify the loan application experience, reducing complexity while maintaining the necessary compliance and disclosure requirements.
Collaborated directly with Kotak's PMs to simplify the loan application experience, reducing complexity while maintaining the necessary compliance and disclosure requirements.
Designed the cross-sell loan protection journey, structuring how Credit Life Insurance, EMI Protection, Hospital Cash, and Family Floater were presented within the loan flow without disrupting the primary experience.
Designed the cross-sell loan protection journey, structuring how Credit Life Insurance, EMI Protection, Hospital Cash, and Family Floater were presented within the loan flow without disrupting the primary experience.
Shipped all final designs to developers with thorough documentation.
Shipped all final designs to developers with thorough documentation.
Learning Outcomes
Learning Outcomes
Learning Outcomes
Gained a solid understanding of the lending and fintech domain, how users approach financial decisions and what makes or breaks trust in a loan application experience.
Gained a solid understanding of the lending and fintech domain, how users approach financial decisions and what makes or breaks trust in a loan application experience.
Learned how to work within an established design system (Embark), adapting components to fit the product's specific needs.
Learned how to work within an established design system (Embark), adapting components to fit the product's specific needs.
Collaborated with Kotak's in-house designer who reviewed my work and guided me through the product's design standards, a valuable experience in taking direction from a client-side designer while contributing meaningfully to the project.
Collaborated with Kotak's in-house designer who reviewed my work and guided me through the product's design standards, a valuable experience in taking direction from a client-side designer while contributing meaningfully to the project.
Further project details cannot be disclosed due to confidentiality obligations under a signed Non-Disclosure Agreement (NDA).