Making Alternative Financial Data Visible 

The journey starts with prequalification, not application. Users receive immediate affordability feedback before committing to a full loan process.

Rationale: Borrowers fear wasting time. Fast feedback reframes credit as a transparent process rather than a black box.

Users only pay the one-off prequalification fee after a positive affordability result.

Rationale: Charging upfront would amplify mistrust. Payment after success aligns incentives and reduces perceived risk.

The application is split into a seven-step flow. Each step introduces only the information required at that stage. Complex analysis results are surfaced through bottom sheets with clear success and failure states.

Rationale: Presenting full financial logic at once would overwhelm users and increase abandonment.

Affordability results are framed as “what you qualify for today,” not permanent judgments. Failure states encourage re-submission or retry at a later date.

Rationale: Avoids stigma and maintains user dignity while setting realistic expectations.

A downloadable and shareable prequalification certificate is generated, containing affordability details, loan terms, and expiry date.

Rationale: Converts an abstract financial decision into a concrete artefact users can act on with dealers or agents.

Alongside the borrower app, I designed a lender-facing backend where loan officers can view applicant data, multi-channel financial analysis, and automatically generated CRB reports.

Rationale: Trust is bilateral. Lenders needed visibility and control to confidently act on MwM insights.