Scaling a lending platform by 8x
Legacy workflow retired
Zero added friction

Redesigned the product selection experience to handle an 8x expansion in product catalogue, enabling risk based pricing and retiring a legacy worklfow - all with zero added friction.

750%

3

1

~35 300+ product catalogue growth

White-label lenders enabled at launch

Xapii replaces legacy platform as system of record

The Problem Worth Solving

The transformation initiative was rolling out risk-based pricing to white-label loan products. The pricing change had a downstream consequence nobody had fully designed for.

Because an offset facility now constituted a distinct product rather than a feature add-on, the number of available products per lender was set to balloon from roughly 35 to over 300.

The existing product selection workflow inside the legacy platform - was not built for scale.

At the same time, the business had a strategic goal of migrating product management entirely off a legacy platform and onto Xapii. This project was the forcing function to make that happen.

‘ Asking assessors to navigate 300+ products in an interface designed for 35 would introduce errors, erode confidence, and create compliance exposure ’

Research & Insights

Before designing anything, I reviewed existing assessor feedback logs, support ticket patterns, and DE product management documentation.

Design Decisions

1 Split the page into Borrowing Details and Product Details.

The original screen collapsed all information into a single, undifferentiated form. I separated it into two sections with a clear hierarchy:

Borrowing Details with(the inputs that determine eligibility) and Product Details (the output of that eligibility logic).

The reason wasn't aesthetic - it was causal. Product eligibility depends on borrowing details. Showing them at the same visual weight obscured that dependency.

2

A dynamic product browsing panel - not a dropdown

The centrepiece of the redesign replaces the static product selection field with a live browsing panel. It shows the currently selected product card prominently, then alternative eligible products sorted by lowest rate, updating in real time as attributes change.

We rejected a searchable dropdown because filtering 300+ items by text still requires the assessor to know what they're looking for. The panel lets the system do the filtering.

We also added a toggle to reveal ineligible products - legacy products, or those outside the current LVR band - tagged clearly so assessors can see them without confusion.

3

Make LVR and LMI calculations automatic and visible.
Rather than displaying LVR as a static field, it's calculated dynamically and updates any time Loan Amount, LMI Premium, capitalization status, or Property Value changes.

The addition of Base LVR was important for assessors who needed to track the underlying loan position separately from the LMI-adjusted one. Two assessors described doing this manually in spreadsheets.

4

Surface rules where they're contextually relevant

The previous approach batched all lending rules in legacy platform, out of context from the product selection decision. The redesign moves them to Xapii and ties them directly to the screen where they matter.

Rule statuses (PASS / FAIL / REVIEWED) are displayed at the top of the page as a clickable tag that navigates directly to the relevant section.

5

Manual interest rate override with guardrails.

Ops required the ability for designated users to override product interest rates. Rather than a free-text field, I designed a persistent visual indicator whenever a rate is manually overridden, and a rule - Interest Rate Override Applied - that fires automatically to ensure reviewers are always aware.

We chose not to restrict which roles could apply overrides, based on ops feedback that the other guardrails provided sufficient accountability without adding permission-gating friction.

Before and After

What We Shipped

Restructured Lending Product page - Borrowing Details and Product Details sections with clear visual hierarchy.

Live dynamic LVR calculations (primary and base) updating whenever relevant inputs change

LMI management module with source and status indicators, automated stale detection, and manual LMI quote capability

Edit Lending Product panel with Borrowing Details, Product Attributes, and a dynamic product browsing section with real-time filtering

Rules framework - five meta-automations with contextual display in both the main page and the edit panel

Migration of all remaining product attributes from DE to Xapii - DE shifted to read-only mode for this domain

Reflection - What I learned

What I'd do differently
The biggest gap was quantitative usability data. We had strong qualitative signal from assessor sessions, but shipped without a baseline metric for task completion time or error rate on product selection.

If I were doing this again, I would have instrumented the existing legacy platform flow first - even a rough measure of how long assessors spent on product selection and how often they returned to change a product - so we could close the loop with hard evidence post-launch.

The decision I'm most proud of
The dynamic product browsing panel came from resisting the obvious solution. The first three designs I sketched all used some form of search or filter control.

It was only when I mapped the assessor's mental model - attribute selection first, product as output - that the panel became the obvious answer. Letting the system do the filtering rather than asking the assessor to search is a small conceptual shift that made a large usability difference.

High-fidelity designs

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