Lenme
P2P Lending Marketplace
Make risk legible on both sides of the loan.
- Founding Designer
- 2018 – 2019
- Mobile · iOS / Android
- Founding team (Product, Engineering, Design)
- 4M+ trusted customers
- Marketplace · FinTech · Mobile
Founding designer across borrower and investor experiences.
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Overview
The marketplace had to reduce borrower friction without hiding investor risk.
Lenme matched borrowers outside traditional credit paths with individual investors.
- 4M+
- <24h
- 2-sided
Problem
Friction and Trust Pull in Opposite Directions
Borrowers wanted a fast request. Investors needed enough identity, repayment, and return context to commit.
- Identity and fraud signals had to work both ways
- Terms and timing needed explicit confirmation
- Fees and rates had to appear before commitment
Core decision
Short for Borrowers. Specific for Investors.
Borrowers request in three steps. Investors compare risk, return, and repayment before funding. Shared status keeps both sides aligned after the match.
- Three-step borrower request
- Risk and return filters for investors
- In-product matching, status, and messaging
Impact
Scaling a Trusted Marketplace
The product scaled to 4M+ customers while preserving a clear commitment point for both sides.
- 4M+
- Same day
- 3 clicks
- No impact
Reflection
Key Learnings
Every Shortcut Has Two Sides
Borrower speed only mattered if investor confidence held.
Trust Signals are Features
Verification and fee clarity were part of conversion.
Small Screens Demand Ruthless Clarity
Financial decisions needed one explicit next action at a time.