Loan consigned at Neon Bank

Payroll loan project at Banco Neon that unifies the experience of three acquired apps into a single product. The work focuses on consolidating journeys, rules, and UI patterns, reducing inconsistencies and friction in a regulated flow to deliver a simpler, more coherent, and more trustworthy user experience.

problem

The main challenge is unifying three acquired apps, each with different flows, credit rules, and UI patterns, into a single payroll loan experience. This fragmentation creates inconsistency, increases user friction, and limits product scalability in a highly regulated context.

solution

I led the consolidation of three acquired apps into a single payroll loan experience, redesigning flows, unifying product rules, and standardizing the interface. I improved journey clarity, reduced friction, and increased end-to-end efficiency, delivering the project across 6 epics in 4 months. As a result, the experience achieves an 85% efficiency gain, reduces the flow to 3 clicks, and increases loan finalization by 20%.

The payroll loan project emerges from the need to unify three apps acquired by Banco Neon into a single experience. Fragmented flows, rules, and interfaces created user friction and operational complexity.

I led the consolidation of these three solutions, redesigning flows, unifying credit rules, and standardizing the interface. The new experience improves journey clarity, reduces friction, and increases product efficiency, delivered across 6 epics in 4 months, achieving an 85% efficiency gain, reducing the flow to 3 clicks, and increasing loan finalization by 20%.