Consumer Credit Platform
KIVRA
KIVRA is a consumer credit platform designed to give people access to flexible spending power based on their financial portfolio.
Project Overview
- Product
- KIVRA
- My role
- Product Manager
- Product type
- Consumer credit platform
- Platform
- Consumer app + back office
- Key responsibilities
- Discovery, product strategy, user journeys, requirements, prioritisation, delivery
The Problem
People often need access to money before their income arrives, but credit decisions rarely reflect the full picture of someone's finances. Applications are long, decisions feel opaque, and people are left unsure how much they can responsibly spend or how a decision was reached.
The Product
KIVRA connects a customer's financial account, assesses their financial profile and determines a spending power they can use and repay. Instead of a one-off application, spending power is continuously informed by income, affordability and financial behaviour, and the customer can always see what their limit is based on.
Core Journey
Connect financial account
Assess financial profile
Determine spending power
Spend
Repay
Build future spending power
Product Thinking
Income & affordability
Spending power is grounded in what a customer can realistically repay, not only in what they ask for.
Financial behaviour
Repayment and spending behaviour feed back into future access, so good behaviour is rewarded over time.
Credit access
Reduce the friction of getting a decision while keeping the decision explainable to the customer.
Customer experience
Show the limit, the reason and the repayment obligation in plain language at every step.
Responsible product design
Design defaults that discourage over-borrowing and make repayment the easiest path.
Data-driven decisioning
Connected financial data drives the assessment, with back-office controls for review and oversight.
Product Experience
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My Product Work
Discovery & problem definition
Framed the customer problem around access and clarity rather than credit limits alone.
Product strategy
Positioned spending power as an evolving outcome of a customer's financial portfolio.
User journeys & UX decisions
Mapped onboarding, account connection, spend and repayment journeys and the states between them.
Requirements & prioritisation
Wrote requirements and user stories, and sequenced delivery around the core connect-assess-spend loop.
Stakeholder management & delivery
Worked across engineering, design and operations through agile delivery cycles.
Risk & compliance considerations
Built back-office review, controls and monitoring into the product rather than around it.
Key Product Decisions
Problem
Customers did not understand why they received a particular limit.
Decision
Show spending power alongside the financial factors that determine it.
Reasoning
Explainability builds trust in a credit product and reduces support contact.
Outcome
A clearer relationship between the customer's financial profile and their access to credit.
Problem
Operations needed to review and act on customer cases without engineering support.
Decision
Treat the back office as a first-class product surface with its own workflows.
Reasoning
Operational tooling is where risk controls actually get applied day to day.
Outcome
Operational and risk workflows handled directly in the back office.
Problem
Repayment behaviour had no visible effect on the customer experience.
Decision
Connect repayment behaviour to future spending power in the journey.
Reasoning
It aligns responsible behaviour with the customer's own incentive.
Outcome
Repayment became part of the product loop rather than an afterthought.
What I Learned
- In credit products, clarity matters as much as approval — people need to understand a decision to trust it.
- Operational tooling is part of the product; a consumer experience is only as good as the back office supporting it.
- Responsible design decisions are product decisions, made in journeys and defaults rather than in policy documents.
- Sequencing delivery around one core loop keeps a complex financial product shippable.
Let's Connect
I'm always interested in conversations about product, fintech, payments and building better financial experiences.
© Temi Abiodun · Product Portfolio