Designing a Fintech Platform for Credit, Assets & Operations
Overview
As the sole product designer, I led product design from the ground up for Gigmile’s mobility fintech platform, spanning a user-facing mobile app and internal admin systems to support growth, operations, and asset oversight.
Categories
B2B2C
Mobility Fintech
Financial Services
Admin systems
Credit & Asset Financing
Team
Solo product designer, 2x founders, 1x Flutter developer, 2x frontend engineers, 1x operations lead, 2x captain managers, and 1x payment collection officers.
Timeline
16 weeks (From discovery to high-fidelity across multiple product phases.
Platform
Mobile App(Android), Web (Admin dashboard)
My Role
Led research, UX, UI, and systems design across consumer and admin experiences.
10,000+
Assets onboarded
$2M+
Monthly rider earnings supported
$18M+
Oversight managed assets
The Background
Gig and informal workers power Africa’s cities; riders, delivery captains, and drivers, yet they’re largely excluded from traditional financial systems.
At Gigmile, the mission was to change that through Gamma mobility:
an all-in-one platform that enables mobility entrepreneurs to:
Work and earn
Access productive assets (Cars, motorcycles, phones)
Request working capital (fuel, repairs, salary advances)
Track repayments and build credit history over time
The Challenge
This wasn’t just a user-facing app. It was a two-sided system that had to scale across:
Captains in the field
Operations teams
Credit risk, repayments, and asset inventory
And I was designing both sides.
My Responsibility
As the sole designer, I owned:
Consumer mobile app UX (onboarding → credit → repayments)
Admin & operations platform (approvals, risk, assets, repayments)
UX research across a highly constrained user group
System thinking across finance, logistics, and human behavior
Understanding the Gig Economy
Research to Design Leverage. I focused on understanding how gig workers actually think about money. What research revealed:
Income is daily, not monthly
Financial decisions are situational, not planned
Trust is earned through clarity, not features
Users fear hidden deductions more than interest rates
Admin teams need summaries, early warning signals, not raw data
Success meant balancing simplicity for captains with control and visibility for operations; without slowing either side down.
Designing the Captain Experience (Mobile App)
Designing the Captain Experience (Mobile App)
Onboarding & Account Setup
Goal: Get captains earning fast without overwhelming them.
Before touching flows or UI, I spent time playing EverMerge deeply. Not skimming. Actually playing. I needed to understand:
Broke onboarding into small, digestible steps
Clear value proposition upfront: work, earn, access assets
Clear value proposition upfront: work, earn, access assets
Progress indicators to reduce drop-off
Identity verification integrated seamlessly: Document upload, Selfie verification and Minimal cognitive load
Asset Financing
Captains could request motorcycles, tricycles and smartphones.
Asset selection (type, condition, usage intent)
Credit eligibility check with established criteria (behind the scenes)
Credit eligibility check with established criteria (behind the scenes)
Clear breakdown of: Asset value, Repayment terms, Expected obligations
Acceptance of terms and agreement
Tracking Requests & Assets
Tracking Requests & Assets
After a request is approved, the real journey begins. I designed clear tracking views that let captains see what they’ve requested, what’s active, and how repayments are progressing so nothing feels hidden or confusing.
Designing for Operations (Admin Dashboard)
Designing for Operations (Admin Dashboard)
The Core Question
This was where complexity lived and where bad UX could cost real money.
How do you give operations teams control, speed, and clarity; without drowning them in data?
Admin Users & Jobs-to-be-Done
Through interviews with operations staff and leadership, I mapped key admin needs:
Monitor asset inventory (in stock vs in field)
Approve or decline credit requests
Approve or decline credit requests
Track repayments and defaults
Manage Captains, requests and service partners
Manage Captains, requests and service partners
Detect risk before default happens
Detect risk before default happens
Dashboard Overview
A single source of truth: Active captains, Pending requests, Upcoming repayments, Asset distribution, Geographic activity and Live activity timeline
Admins could immediately spot what needed attention today.
Captains Overview
Full captain lifecycle view, Active services, repayment status, defaults, Drill-down into:
Identity verification
Guarantors
Guarantors
Request history
Activity feed
Activity feed
Designed to support fast decisions, not audits.
Designed to support fast decisions, not audits.
Asset & Working Capital Management
This covers:
Request states (pending, active, completed, declined)
Total value deployed vs recovered
Total value deployed vs recovered
Performance by asset type or service
Advanced filters + search for scale
Advanced filters + search for scale
Repayments, Revenenue Data & Risk Tracking
This covers:
Request states (pending, active, completed, declined)
Total value deployed vs recovered
Total value deployed vs recovered
Performance by asset type or service
Revenue data managed by account managers, overseeing the platform's portfolio and overall repayemnts
Revenue data managed by account managers, overseeing the platform's portfolio and overall repayemnts
The level of information shown to an admin depends on the specific role, and the metrics were strictly informed by the details the specific admin role tracks in day-to-day operations during fields surveys.
Asset Metrics & Inventory
Clear visibility into assets in stock and in the field, helping teams track usage, health, and deployment at a glance.
Credit Scoring & Account Management
Admins can set the criteria of the dynamic scoring based on current operations and economic stats without engineering bottleneck.
Partner Platforms
Display and management views that help operations monitor partner platfroms captains are deployed on
Roles & Permissions
Role-based access ensures each admin sees only what they need, reducing risk while keeping operations fast and secure.
Broadcast Messaging
A simple way for admins to communicate updates to captains at scale using targeted messages and reusable templates.
Major Takeaways
This project strengthened my systems thinking across consumer and operations design, showing how decisions on one side directly affect risk, repayments, and day-to-day operations.
It reinforced that trust in fintech comes from clarity. When users understand status, obligations, and progress, engagement improves.
Designing for operations sharpened my attention to detail, especially around roles, permissions, and data visibility, where small choices have outsized impact.
Resources that helped
Dashboard design: 6 things every UX designer should know.
Thinking in Systems
How To Create Products Customers Love
Don't Make me Think
Measure What Matters
10,000+
Assets onboarded
$2M+
Monthly rider earnings supported
$18M+
Oversight managed assets
Kayode Adeyinka
CEO
"Choice really made everything come together for us. She deeply understood our riders' world and the ops realities, kept the designs clean and practical, caught important details early, and helped us get to launch much faster without ever compromising on quality or user trust."
Samuel Esiri
COO
"Choice nailed it right from the beginning. She perfectly balanced what the captains need in a super simple mobile app with everything we require on the backend to manage credit risk, repayments, and asset tracking, and her thoughtful approach made scaling the whole platform feel manageable and way less chaotic."
Temidayo
Head of Ops
"Working with Choice felt easy and productive. She actually listened to the real pain points we deal with every day in Lagos ops, picked up on the small field-level details most people miss, and built us a dashboard that gives clear, actionable info so we can respond quickly instead of getting buried in noise."
David Adegoke
Lead Engineer
"Choice was excellent to work with as the designer. She communicated her reasoning super clearly, always stayed mindful of our realities, flagged potential edge cases very early (especially around repayment logic), and made the whole handoff to dev clean, reducing surprises during implementation"
Kayode Adeyinka
CEO
"Choice really made everything come together for us. She deeply understood our riders' world and the ops realities, kept the designs clean and practical, caught important details early, and helped us get to launch much faster without ever compromising on quality or user trust."
Samuel Esiri
COO
"Choice nailed it right from the beginning. She perfectly balanced what the captains need in a super simple mobile app with everything we require on the backend to manage credit risk, repayments, and asset tracking, and her thoughtful approach made scaling the whole platform feel manageable and way less chaotic."
Temidayo
Head of Ops
"Working with Choice felt easy and productive. She actually listened to the real pain points we deal with every day in Lagos ops, picked up on the small field-level details most people miss, and built us a dashboard that gives clear, actionable info so we can respond quickly instead of getting buried in noise."
David Adegoke
Lead Engineer
"Choice was excellent to work with as the designer. She communicated her reasoning super clearly, always stayed mindful of our realities, flagged potential edge cases very early (especially around repayment logic), and made the whole handoff to dev clean, reducing surprises during implementation"
Kayode Adeyinka
CEO
"Choice really made everything come together for us. She deeply understood our riders' world and the ops realities, kept the designs clean and practical, caught important details early, and helped us get to launch much faster without ever compromising on quality or user trust."
Samuel Esiri
COO
"Choice nailed it right from the beginning. She perfectly balanced what the captains need in a super simple mobile app with everything we require on the backend to manage credit risk, repayments, and asset tracking, and her thoughtful approach made scaling the whole platform feel manageable and way less chaotic."
David Adegoke
Lead Engineer
"Choice was excellent to work with as the designer. She communicated her reasoning super clearly, always stayed mindful of our realities, flagged potential edge cases very early (especially around repayment logic), and made the whole handoff to dev clean, reducing surprises during implementation"
Temidayo
Head of Ops, Lagos
"Working with Choice felt easy and productive. She actually listened to the real pain points we deal with every day in Lagos ops, picked up on the small field-level details most people miss, and built us a dashboard that gives clear, actionable info so we can respond quickly instead of getting buried in noise."
Resources that helped
Thinking in Systems
How To Create Products Customers Love
Don't Make me Think
Measure What Matters
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