product definition • Workflow Architecture • design leadership
Credit360
Turning ambiguity into a shared product model.
I led end-to-end design for a greenfield commercial lending platform, turning fragmented requirements into shared workflows and product decisions the team could build from.
Role
Senior Product Designer • Design Lead
Timeline
Jun 2025 - Present
Status
UAT • In Progress
Team
Sole Designer • Engineering • BA • Business
01 • the Case at a glance
The bank needed a unified lending platform.
The team first needed a shared definition of the product.
Business context
Digitize end-to-end commercial lending
Design challenge
Critical context surfaced late
e.g. 1 segment → 3 segments
my approach
Create a shared model for decisions
02 • Why the product kept changing
Critical context surfaced after design decisions had already been made.
Product knowledge was distributed across stakeholders rather than captured in one reliable definition.
Fragmented knowledge
Context lived across organizations and stakeholders
Incomplete definition
scope and workflow behavior were not established early
ongoing discovery
new business logic surfaced during delivery
consequence
Late requirement changes
Previously designed and handed-off work needed to be reconsidered.
03 • creating stable ground for the team
I built the shared structure the product team was missing.
I consolidated changing inputs into artifacts the team could use to clarify, decide, and build across Credit360.
Distributed inputs
Stakeholder context
Business requirements
Workflow logic
Open questions
shared foundation
End-to-end product model
Workflows
Dependencies
Design rationale
Decision log
team action
Expose gaps
Clarify requirements
Facilitate decisions
Update product behavior
This shared foundation became the basis for decisions across the platform.
04 • Selected Product decisions
Three decisions turned ambiguity into a coherent workflow.
Decision 01 • Establish Context
Create a unified starting point
Design Response: Preserve selected client context throughout the journey
I brought fragmented client information into one coherent overview so users could begin with shared relationship context.
Decision 02 • Adaptive workflow
Let the loan type determine the path
Design Response: Let request and loan type configure the workflow
I designed one workflow that adapts to different lending processes by activating relevant steps and bypassing those that did not apply.
Decision 03 • Support flexible review
Design a modular workspace that adapts
Design Response: Separate shared structure from segment-specific review
I designed a modular One Memo that supports three segments and evolving review needs without fragmenting the experience.
05 • impacts
Clearer product understanding became the immediate impact.
3x
Scope expansion
100%
Digitization
tbd
tbd
More metrics to come.
05 • Reflection
Reducing ambiguity was not preparation for the design work.
It was the design work.
Credit360 reinforced that enterprise design leadership is often about making incomplete assumptions visible, defining durable product rules, and giving a team enough structure to move forward as the product changes.