Case Study · Yubi
Fourteen months. Five shipped products. A field app for 9,500+ collection agents, a no-code workflow builder, the company's first LLM-assisted design process, and a set of AI initiatives that permanently changed how the design team operated.
Yubi — India's first debt platform, powering the discovery, investment, and fulfilment of credit — operates at a scale where a single design decision can touch thousands of loan officers, field agents, or bank analysts simultaneously. I joined as a Senior Product Designer in early 2023, embedded across two business units: OCS (Origination & Credit Services) and SPOCTO (the collections side of the platform). The year that followed was the most output-dense of my career so far.
What I want to document here is not a project list but a pattern: how working closely with product, shadowing clients in the field, and betting early on AI tooling let a small design team punch far above its weight.
Five distinct product surfaces — different user types, different business constraints, each with a live deployment (or one close to it) by the end of the review period.
SPOCTO · Jun 2023 – Mar 2024
Field collection agents need their tools to work at the speed of conversation — on slow networks, in the sun, one thumb on the phone. The existing field app had grown organically and showed it: inconsistent patterns, no analytics instrumentation, and a usability score that sat 8 points below our internal benchmark.
I led the end-to-end redesign of both the field mobile app and the web-based agent management interface. That meant competitor analysis, field research, a full design refresh in line with our Phoenix design system, and close coordination with the analytics team to instrument Amplitude across the rebuilt flows. By launch the usability score had recovered those 8 points. The app went live across multiple lenders, reaching 9,500+ active field agents.
SPOCTO · May – Jun 2023
Every new lender onboarding onto SPOCTO required a custom remediation workflow — and every workflow meant developer hours. The goal was blunt: let lenders build these themselves, with zero code, and reduce that workflow creation TAT by 80%.
I co-wrote the PRD with the product team, then designed the complete drag-and-drop interface from scratch — page builder, section library, drag interaction model, and preview states. The mobile version launched live with ENBD (Emirates NBD). When the engineering estimate came in, the developer time savings alone justified the project in the first month.
SPOCTO · Jun 2023 – Mar 2024
SpoctoX is the lender-facing command center for the entire collections operation — agency management, campaign configuration, compliance, reporting. I developed the product vision for how it should improve collection efficiency, wrote a whitepaper on implementing gamification as a lever for agency motivation, and designed the core onboarding and configuration module (14 sub-modules) that lets lenders operate with real autonomy.
Beyond feature design, I standardized the SpoctoX component templates and layout system — cutting design TAT by 60% for subsequent features — and put in place a rigorous pre-launch audit process that caught regressions before they reached a single analyst.
OCS · Feb – Apr 2023
Credit Appraisal Memos (CAMs) are the cornerstone documents that determine whether a loan gets approved. Generating one manually could take days. Flex, the Corpository-team product I was embedded on, aimed to collapse that to hours using LLM-assisted workflows — a first at Yubi.
I collaborated on the Flex product vision, then took on leadership of the buildout mid-project when the Corpository team was reallocated. I designed the Databook sections for GST, FSA, and BSA data — the most technically dense parts of the CAM — and worked through the UX of an AI-in-the-loop workflow where the model suggests and the analyst reviews. Flex launched live with ICICI Bank.
Fulfilment 2.0 · Feb – Mar 2024
Fraud detection in banking is a domain where getting the design wrong has direct financial consequences. To get the brief right, I shadowed the business team and made a site visit to SBI Mumbai — observing how relationship managers actually use early warning signals in their day-to-day workflow.
Those firsthand insights fed directly into a co-designed fulfilment product that envisions a scalable Loan OS. The project was on a tight deadline and required holding both immediate launch needs and a longer-term platform vision simultaneously — a muscle I hadn't had to use quite this explicitly before.
Beyond the core product work, I spent six months building infrastructure — AI tooling, workflow automation, and design-system instrumentation — that would outlast any single feature. These were the bets on velocity that compound over time.
SPOCTO · Oct 2023 – Mar 2024
Through Yubi's Individual Development Program, I worked directly under the Director and Associate Director of Product — researching, scoping, and co-creating the content management system module for SpoctoX. The module launched alongside the full SpoctoX platform in March 2024. This wasn't side work: it was the deepest I've gone into the product role, and it changed how I approach PRDs and stakeholder alignment permanently.
AI Initiatives · Oct 2023 – Mar 2024
We piloted Locofy — a tool that converts Figma designs into production-ready code — using our own component library as the source. When it worked, a screen that previously needed a developer sprint could be scaffolded in under five minutes. The components it generated already referenced our design system, so audit overhead dropped significantly. The rollout was delayed by Storybook integration requirements, but the proof of concept was clear enough that it changed how we planned dev handoff.
AI Initiatives · Oct 2023 – Mar 2024
Email communication across Yubi's lending products was inconsistent — each pod had its own template conventions, and HTML coding was a manual bottleneck. We ran a pilot with the colending team: design in Figma, convert to branded HTML using Marka, bind real data in the platform. The loop cut template setup time and gave every email a consistent visual identity. Rolled out live across multiple pods.
AI Initiatives · Oct 2023 – Mar 2024
I built two Figma plugins using GPT to eliminate the most repetitive parts of the design workflow. The first replaces dummy placeholder text with live application data — making handoff screens instantly more realistic for stakeholder reviews. The second scaffolds a full new project template with a single click, saving ~25 minutes per project setup. Both were built in a fraction of the time they would have taken without AI assistance.
AI Initiatives · Oct 2023 – Mar 2024
Sherlock reports — design-to-dev parity audits — were time-consuming to produce manually: screenshot the design, screenshot the build, annotate every deviation. By using ChatGPT's vision API with structured prompt engineering, I reduced the time to generate these reports by 50%. The output was a scored comparison document breaking down typography, spacing, color, and component consistency — giving developers a prioritized fix list rather than a wall of feedback.
Alongside all of this, I served as the engagement buddy for Yubi's Hyderabad location — organizing team activities, workshops, and offsites. It's the kind of work that doesn't show up in a portfolio deck, but it shapes the culture that makes good product work possible in the first place.
The year at Yubi compressed more surface area than I expected — credit infrastructure, collections operations, field agent tools, banking fraud, LLM workflows. Each domain had its own logic, its own user anxiety, its own definition of "fast enough."
What I learned wasn't primarily about fintech. It was about working at a pace that forces prioritization discipline. When everything is urgent, you have to get very clear about what actually matters for the user in front of you — and what can wait. That judgment, more than any individual deliverable, is what I took out of Yubi.