Processing MSME business loans has traditionally been a slow, fragmented process involving multiple manual checkpoints, delays in eligibility checks, and limited visibility into application progress. National and international banks struggled to meet modern turnaround expectations while maintaining compliance and transparency. There was a clear need for a unified platform that could simplify this complexity for both banks and customers.
The objective was to design a robust, user-friendly dashboard that could accelerate loan approval processes—bringing it down to under 59 minutes—while giving banks full visibility into customer journeys, document readiness, and performance analytics. The platform needed to handle real-time data from multiple banking partners and offer a streamlined interface for both loan officers and business applicants.
Approach
I began by mapping the end-to-end MSME loan journey from the perspectives of both the bank and the applicant. Collaborating with stakeholders from finance, operations, and tech, I identified bottlenecks in data flow, user pain points, and decision-making delays. Based on these insights, I created detailed wireflows and user journeys to align the UX with the business logic behind real-time eligibility checks, KYC documentation, and cross-bank tracking.
Design Execution
The UI was built with clarity and control at its core. I designed an interactive dashboard with live stats, customer funnel stages, and smart notifications for pending actions. Features included instant eligibility indicators, document upload status, performance reporting, and application filtering by region, loan type, and stage. The system was supported by a scalable component library to maintain consistency across modules and allow fast iteration as requirements evolved.
The Impact
The final design empowered banks to process business loan applications significantly faster, reducing turnaround time to less than 59 minutes in many cases. Loan officers gained visibility into pipeline performance, bottlenecks, and high-value leads, while customers enjoyed transparency and smoother onboarding. The dashboard not only simplified decision-making but also positioned the client as a digitally-forward lender in a competitive space.
