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Jehoram Chidi
Most SMEs in the markets ShopTreo serves run on cash and informal bookkeeping, with no registered credit history or collateral a bank recognizes. ShopCredit closes that gap by turning a merchant's everyday trading activity — sales volume, stock turnover, transaction frequency — into the data lenders use to extend working capital.
Client:
ShopTreo
My Role:
Lead Designer
Problem:
SMEs had no formal credit history to borrow against, and ShopTreo's review process was too slow and error-prone to scale credit decisions safely.
Outcome:
65% gain in admin efficiency, 40% fewer processing errors, 25% lift in task completion — validated through A/B testing.
ShopTreo's review team needed a reliable way to verify merchant data and process credit decisions — their existing process was slow and error-prone enough that fixing it later cut errors by 40% and lifted efficiency by 65%. On the merchant side, the harder problem was trust: most are first-time, often informal business owners with no registered credit history, so any friction in handing over real transaction data was a reason to walk away.
Before designing anything, I mapped both flows end to end — where merchants dropped off, and where the review team lost time or made mistakes — so a fix on one side wouldn't create new problems on the other. That meant treating onboarding and the dashboard as one connected system, not two separate projects.
I redesigned onboarding and KYC to reduce that friction, and rebuilt the admin dashboard from the ground up into a single workspace for the review team to verify data and action disbursement. That's the work behind the efficiency, error, and completion gains above.
