Vyom V — Designer

Vyom V

Vyom

Projects

Visuals

Journey

Connect

Projects

Visuals

Journey

Connect

60% backlog reduction,

Credit Approval time cut

to 30 minutes

60% backlog reduction, Credit Approval time cut to 30 minutes

60% backlog reduction,

Credit Approval time cut

to 30 minutes

Centralizing manual fraud checks

into a single internal platform.

Centralizing manual fraud checks

into a single internal platform.

Centralizing manual fraud checks

into a single internal platform.

INDUSTRY

Banking & Fintech

PLATFORM

Web

PROBLEM SPACE

Fraud Management & Manual Credit Review

YEAR

2024

JOURNEY

Internal Decisioning Workflow

STAKEHOLDERS

Credit Officers, Risk & Operations

The
Impact

OPERATIONAL EFFICIENCY

60% reduction in

application backlog

Centralized flagged applications into a structured review portal, enabling credit teams to clear accumulated backlogs and reduce operational delays.

TURNAROUND TIME

Approval time reduced

to 30 minutes

Replaced Excel reports and email-based coordination with a unified workflow, significantly accelerating manual credit decisioning.

PROCESS CONSOLIDATION

Eliminated fragmented email communication

Embedded maker-checker remarks and audit logs directly within the portal, reducing repetitive follow-ups and

manual coordination.

PROCESS CONSOLIDATION

Eliminated fragmented email communication

Embedded maker-checker remarks and audit logs directly within the portal, reducing repetitive follow-ups and

manual coordination.

WORKFLOW STRUCTURE

Role-based maker-checker system introduced

Defined structured access for L1, L2, and L3 users, enabling controlled approvals, task assignment,

and review visibility.

VISIBILITY AND PRIORITIZATION

Real-time backlog and

expiry tracking

Introduced application-level status indicators and expiry flags, helping credit officers prioritize time-sensitive and high-risk cases.

RISK AND COST OPTIMIZATION

Faster fraud detection and genuine approvals

Improved early identification of fraudulent applications while accelerating approvals for legitimate customers, reducing operational exposure.

VISIBILITY AND PRIORITIZATION

Real-time backlog and

expiry tracking

Introduced application-level status indicators and expiry flags, helping credit officers prioritize time-sensitive and high-risk cases.

RISK AND COST OPTIMIZATION

Faster fraud detection and genuine approvals

Improved early identification of fraudulent applications while accelerating approvals for legitimate customers, reducing operational exposure.

Project
Overview

Axis Bank’s commercial lending products such as Quick Overdraft and Merchant Cash Advance were designed to disburse small-ticket loans, typically between 8 to 12 lakhs INR, within 30 minutes of account opening.

Applications flagged by backend fraud detection systems required manual review by credit officers before approval. However, the internal process was fragmented and heavily dependent on manual coordination.

Flagged applications were shared through backend-generated Excel reports. Credit officers manually verified Aadhaar, PAN, bureau data, and internal records. Communication between maker and checker roles took place over email threads, resulting in multiple conversation trails, delayed decisions, and increasing operational backlog.

There was no centralized system to track flagged applications by product, user, or approval level. Visibility across teams was limited, and prioritization of time-sensitive applications was inconsistent.

Optic was built to address this operational gap.

Optic is Axis Bank’s internal fraud management and credit review portal, designed to centralize flagged applications, structure maker-checker workflows, and enable real-time visibility across commercial lending products.

The objective was not digitization alone. It was to bring structure, transparency, and accountability into manual credit decisioning.

My Role &
Team

As the Principal Designer leading the commercial pod, I independently owned the end-to-end design of Optic, from problem framing to workflow architecture and delivery.

This required deep immersion into internal credit operations, fraud review processes, backend flagging systems, and multi-level approval hierarchies. I worked closely with credit officers, risk teams, and engineering stakeholders to map existing workflows, identify bottlenecks, and redesign the system around structured decision-making.

I transformed a fragmented Excel and email-driven process into a centralized portal with clearly defined maker-checker roles, user-level permissions, task assignment, and contextual communication per application. The system was designed to become the umbrella fraud management platform for commercial lending products.

The Team

Rhea Jain ( Product )

Aman Verma ( Program )

Rajwant ( Front End )

Nishant ( Front End )

Rohit ( Backend )

As the Principal Designer leading the commercial pod, I independently owned the end-to-end design of Optic, from problem framing to workflow architecture and delivery.

The Team

Rhea Jain ( Product )

Aman Verma ( Program )

Rajwant ( Front End )

Nishant ( Front End )

Rohit ( Backend )

The
Outcome