A centralized loan system that shares data smoothly across products, configures to any lender, and unifies applications, underwriting, payments, and reporting in one place.
Client
Business Warrior
Role
Product Designer
TIMELINE
Ongoing | 0->1
SCOPE
Design System · UX/UI
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Core dashboard, lender configuration, and reporting
Overview
PayPlan is a configurable lending platform that lets non-technical operators launch and run financing programs without engineering. I owned the product from a blank canvas to software processing real loans at scale.
What I owned
Founding design across a 0→1 build: product definition, research, end-to-end UX, and UI across 100+ screens, plus the token-based design system, documentation, and developer handoff.
SCOPE
+
Screens designed
+
Lender configurations
M+
Loans processed
01 — Background & Problem
Lending built on fragmented, disconnected systems
Lenders had no centralized loan system. Data sat in silos across products, nothing was configurable to loan type or underwriting, and the stack couldn’t flex or scale as programs grew. Every new lender or loan type meant custom work that should have been reusable.
Without a centralized, configurable system, lenders couldn’t scale; every new program rebuilt what should have been shared.
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The fragmented status quo before PayPlan
02 — Goals
What the platform had to do
1.
Be white-labeled for any lender.
2.
Stay fully configurable for multiple loan types and their unique data needs.
3.
Support quick release and deployment so new programs scale efficiently.
The Work
Final designs
The payoff: fast, flexible surfaces that could be configured without redesigning from scratch.
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Configurable lender dashboard and workflow system
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03 — Design Process
From evidence to a system
Four phases: stake, study, layout, prove.
“We were saying yes to lenders faster than we could actually build them.”
Research & discovery — interviews and support evidence distilled to the insight that framed the work.
Research & Discovery
Product Designer
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User Flows
Product Designer
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Wireframing
Product Designer
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Iteration
Product Designer
04 — Design System
A token-based system built for flexibility
To support multiple lenders, loan types, and white-label deployments, I designed a token-based design system that prioritized flexibility, consistency, and speed.
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Spacing
Data types
Data types
Data types
Models
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Patterns & System Logic
Product Designer
The system aligned design and engineering around shared primitives, enabling rapid iteration across 100+ screens and cutting developer handoff time by 40%.
05 — Architecture & Scale
From a product to a platform
PayPlan was built as a modular system: applications, payments, and reporting are independent yet share one unified data model. That structure is what lets the product reconfigure itself per client instead of being rebuilt for each one.
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Configurable feature flags
Configurable feature flags
Configurable feature flags
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06 — Core Product Modules
Four modules, one data model
Every visual captioned; image count varies by module.
Portfolio Management & Reporting
A single dashboard gave lenders portfolio health at a glance, replacing exported spreadsheets.
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Underwriting
Risk signals surfaced inline, cutting decision time and removing manual re-checks.
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Loan Applications
One adaptive intake reshaped itself to each lender’s rules, lifting completion.
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Collections & Customer Portal
Automated collections and a self-serve portal cut manual follow-up and reduced missed payments.
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08 — Results
+
Screens designed
+
Lender configurations
M+
Loans processed
09 — Reflection
Thinking in systems
The hardest call was choosing configuration over open-ended customization: less freedom per lender, but a platform that stays reliable and ships fast at scale. Designing PayPlan taught me that the strongest systems decide what to leave out as much as what they include.
