Title: Zíro — BNPL & Confirming Dashboards

Cover Image: BNPL-01-cover.png

Duration: 2024

Live Link: https://fabiodesigner.framer.website/project/bnpl-confirming

Organization: Zíro

Roles: Product Design, Design Leadership, UX Strategy, Business Analysis

Tools: Figma

Skills tags: Product Design, UX Design, Dashboard Design, B2B SaaS, Information Architecture, UX Strategy

Industry: Fintech, B2B

Zíro is a fintech offering BNPL and credit to distributors in the traditional channel. Clients use Zíro's credit lines to pay providers and finance inventory.

Before this project, confirming (Zíro paying providers' invoices) was managed through email threads and Excel files. Balances were scattered, and neither Zíro nor distributors had a reliable, up-to-date view of their position.

No single source of truth for invoices, confirming debt, and available credit

Ops and finance teams spent hours reconciling multiple spreadsheets and email chains

Distributors had to ask Zíro for updates instead of checking invoice status and balance themselves

The goal: turn confirming into a productised, self-service experience that unified BNPL and confirming balances and reduced manual work.

Product & Design Lead — responsible for defining the product vision, scope, and delivery for the confirming module. I mapped the end-to-end journey from invoice submission to reconciliation and payment. Designed the main interfaces: invoice list ("Facturas") and reconciliation dashboard ("Conciliaciones"). Defined business rules and states together with engineering, ops, and finance.

I owned the confirming dashboards end-to-end, from problem framing to launchable product.

Reviewed existing spreadsheets, contracts, and email flows used to manage confirming. Walked through current processes with ops and finance to connect BNPL, confirming, and repayments. Mapped key entities and terms: invoice, confirming debt, interests, cupo, and repayment rules.

Key learning: Distributors mainly care about "how much cupo do I have left to buy?" — not detailed financial breakdowns. Internal teams used financial terms inconsistently, which created noise in communication.

Different spreadsheet versions produced different balances for the same client

Interests and available cupo were calculated manually invoice by invoice

Approvals and state changes lived in email, with no clear status or audit trail

Created a dedicated Confirming area with sub-navigation for Dashboard, Invoices, and Reconciliations. Designed an invoice list with filters and color-coded statuses (Pending, Accepted, Paid, Rejected). Built a reconciliation dashboard with summary cards for confirming debt, interests, total cupo, and available cupo.

Single confirming overview replacing scattered spreadsheets to give all parties the same baseline

Clear statuses and visual tags replacing ambiguous email updates and making invoice state obvious

Calculated summary cards replacing manual interest and balance summaries so teams could focus on exceptions

Reused BNPL patterns from existing screens to reduce learning curve for current clients

Zíro and its clients now share one source of truth for confirming debt, interests, and available cupo

Distributors can self-serve to see invoices, status, and balances instead of relying on email updates

Ops and finance spend less time reconciling spreadsheets and more time handling real edge cases and decisions