Project 02 · Fintech
A loan you can take out, and later get out of, without calling anyone.
Poonawalla Fincorp lends across personal, business, consumer durable and loan-against-property. Borrowing was already digital. Servicing wasn't. Repayment, foreclosure and account management still meant a phone call, so I worked on the journeys either side of the disbursal: getting an offer in one field, and closing a loan without a conversation.
Lending is easy to start and hard to leave.
What I worked on
Pre-approved offer
One field, then
a decision
Ask for as little as the regulation allows.
A pre-approved offer only needs a PAN to look up. So the screen asks for a PAN and nothing else. No account, no form, no upload. The keyboard opens straight onto the field and the illustration collapses out of the way, so the input never gets pushed under the fold.
Consent is the one place where more text is unavoidable, so it's separated into its own sheet with three discrete checkboxes rather than one blanket agreement. Income, terms, and credit-bureau enquiry are three different decisions, and people should be able to see which one they're making.
Product pages
Answer the objections before the form
People abandon loan applications because of things a lender could have told them upfront. Am I even eligible. What will the EMI be. What do I need to have ready. What will this cost me if I close it early.
So each product page front-loads all four as cards, before any CTA: eligibility, EMI and tenure, documentation, and charges, including foreclosure at 0%. The consumer durable page adds a partner-store finder, because that loan is taken at a checkout counter rather than at home.
Servicing
Foreclosure,
without the phone call
One loan is rarely one loan.
A consumer durable loan can carry child loans underneath a parent, each with its own account number and its own outstanding. Ask what it costs to close and the honest answer is a list, not a number.
So the breakdown shows every loan in the group with its own foreclosure amount and a checkbox, and totals only what's actually selected. You can close one child loan, or all of them, and the figure updates as you decide. The active loans view carries the same structure, with completed tenure shown as a bar so progress is legible at a glance.
Support,
where it's needed rather than everywhere.
Contact routes are consolidated into one screen and ordered by how quickly they resolve something, with FAQs offered above the phone number rather than below it.
A note on craft
Fintech that doesn't look like fintech
Most lending apps in this market look the same: flat icons, navy and grey, a tone somewhere between a bank statement and a legal notice. Poonawalla's system runs on soft 3D illustration, warm props, rounded characters, real depth.
It's a genuinely unusual choice for a category built on caution, and working within it changed how the screens are written as well as drawn. A page that looks approachable can't then hide its charges. The visual warmth only holds up if the numbers are stated as plainly as the pictures suggest they will be.