Quickcheck offered small loans via a mobile app, increasing user limits over time based on repayment behavior. However:

Users didn’t understand how to qualify for higher loans;

Frustration led to drop-off after a few repayment cycles;

Default rates remained high despite frequent use.

We saw an opportunity to educate users, create a sense of progress, and build long-term financial habits—all while aligning with business goals of reducing risk and increasing retention.

Extend user lifecycle, improve repayment rates, and reduce default risk through a transparent, gamified credit experience.

As both Product Owner and Product Designer, I was responsible for:

Product discovery, competitive benchmarking, and user research;

Defining MVP with technical and business constraints in mind;

Coordinating sprint planning, backlog grooming, and delivery across teams;

Designing user experience and UI using Quickcheck’s design system;

Monitoring success metrics and planning iterations.

I also led bi-weekly roadmap sessions with stakeholders and kept cross-team alignment across Product, Tech, Marketing, Support, and Credit Risk.

46% of users said they were “very happy” with Quickcheck

-50% drop in user complaints about loan progression

Users with access to this feature had lower default rates;

Extended user lifecycle, reducing churn and increasing trust;

Introduced a strategic differentiator in a competitive fintech space;

Provided foundations for future growth, including KYC upgrades and deeper personalization.