Portfolio · Major projects · Consumer finance · 05 of 17

A merchant loan that no longer needs a branch visit, a fax or a phone chain.

ClientDialog Finance

ProductLoan Granting App

Where and whenSri Lanka · 2024 to 2025

PlatformWeb + mobile web

The screen, annotated by hand · scroll

Approve modal: installment computed from amount, tenure and rate, activity log at right

the installment is computedamount, tenure and rate go in; the officer cannot mistype the result
a rejection always says whywho did what, when, and the reason, beside the decision
approval carries a messagethe comment travels with the decision to the merchant

The story, in the order I work

Given · why

What was there

Dialog Finance lends to small retailers through field agents. Applications moved by paper and calls, so nobody could say where a file was. The app turns approval into a tracked pipeline: agent submission, guarantor OTP sign-off on the guarantor’s own phone, document checks, regional-manager recommendation, credit-admin approval with the installment recalculated live, then an offer letter the merchant signs on mobile. Every step lands in an activity log with author and comment.

Planted · what I owned

What I took on

Pipeline states and the role-specific queues behind them
Approval modal logic: amount, tenure and rate to installment
Remote guarantor and merchant flows on mobile web
Agent, product and reporting settings
Led a team of five to six, two or three of them on design, for the length of the engagement

Shipped

What went out

Released through 2025 on web and mobile web.

Loans pipeline Application detail Approve / reject Regional manager view Credit admin view Guarantor OTP Merchant offer letter Agents & reports Product rules Offline mode

The other screens

Loans pipeline with status tabs, search and filters

Guarantor verification on the guarantor's phone

Credit admin's own queue

Regional manager recommends, with a supporting document

A loan product is a set of rules: rate, limits, fees, and who must recommend it

Offline in the field: drafts are kept on the phone and synced later

0 → 1Loans as a product: there was none before the system

80+Agents using it

5People in the loop: agent, guarantor, regional manager, credit admin, merchant

What I'd do differently

The honest paragraph.

There was no loan product before this; the system is the product. The design turned out to be the easier half. The harder half was the other vendors, the core system, identity, documents, each with its own timeline and its own definition of done. What I would do differently is get every vendor into one room in week one and agree one definition of done, before a single screen.

The hard part was not the screens. It was five vendors and one date.

field note