TBC Bank is one of the leading banks in the Eurasian market and is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index. The bank services are used by more than 5 million users. It's one of the most popular services is Mortgage which became old-fashioned while new trends on the market popped up.
ROLE
UX RESEARCHER
SERVICES
BRAND DESIGN
PRODUCT RENDERING
About
TBC stakeholders made the decision to create a team consisting of the leading players in the fields of Design, Research, and Loans & Risks specialists.
They also invited and involved specialists from the McKinsey consulting team exclusively for this disrupting project.
I was invited to work on this project for 6 months
Research
To design a seamless mortgage experience, I used JTBD, 4W, and 5W1H to uncover user needs. Partnering with outsourcing firms, I conducted interviews to craft qualitative personas.
I created low and high-fidelity wireframes and built a medium-fidelity prototype for live user testing. Collaborating with Loan & Risk teams, I iterated on 20+ user flows to meet strict regulations.
To refine the experience, I met with bankers, co-developing key questions to uncover workflow inefficiencies. The result? A streamlined mortgage process allowing millions to apply online—no bank visits needed.
Flows
Designing a seamless mortgage experience meant balancing personalization, compliance, and user trust. We started by adding all the necessary input fields to generate a tailored loan offer, ensuring users received financing options suited to their needs.
Behind the scenes, our system checked eligibility with TBC Bank, presenting users with a personalized loan they could customize. Next came the formal—but crucial—agreement step, ensuring transparency before proceeding
Collateral verification followed, where users could declare additional income sources. Income validation was a key moment—we asked for details like Income Source, Type of Activity, and a signed PDF bank statement to ensure accuracy.
Finally, users reached the Disbursement stage, where they could review their loan terms and even schedule a meeting with a banker. Every step was designed for clarity and confidence, empowering users to secure their mortgage entirely online—without ever setting foot in a bank.
LAUNCH
After six months of dedicated effort, overseeing every stage of the project cycle, the initiative was successfully launched, marking a significant achievement.
Achievements
The project became one of the most demanding products in digital banking
Helped more than 300 personal bankers to automate their manual work
TBC Mortgage website is used by more than 50K users monthly
The whole process was planned and executed in the record time in the company's history - in partnership with McKinsey & Company's consulting team
Smooth Scroll
This will hide itself!
This will hide itself!
TBC Bank & McKinsey
OVERVIEW
TBC Bank is one of the leading banks in the Eurasian market and is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index. The bank services are used by more than 5 million users. It's one of the most popular services is Mortgage which became old-fashioned while new trends on the market popped up.
ROLE
UX RESEARCHER
SERVICES
BRAND DESIGN
PRODUCT RENDERING
About
TBC stakeholders made the decision to create a team consisting of the leading players in the fields of Design, Research, and Loans & Risks specialists.
They also invited and involved specialists from the McKinsey consulting team exclusively for this disrupting project.
I was invited to work on this project for 6 months
Research
To design a seamless mortgage experience, I used JTBD, 4W, and 5W1H to uncover user needs. Partnering with outsourcing firms, I conducted interviews to craft qualitative personas.
I created low and high-fidelity wireframes and built a medium-fidelity prototype for live user testing. Collaborating with Loan & Risk teams, I iterated on 20+ user flows to meet strict regulations.
To refine the experience, I met with bankers, co-developing key questions to uncover workflow inefficiencies. The result? A streamlined mortgage process allowing millions to apply online—no bank visits needed.
Flows
Designing a seamless mortgage experience meant balancing personalization, compliance, and user trust. We started by adding all the necessary input fields to generate a tailored loan offer, ensuring users received financing options suited to their needs.
Behind the scenes, our system checked eligibility with TBC Bank, presenting users with a personalized loan they could customize. Next came the formal—but crucial—agreement step, ensuring transparency before proceeding
Collateral verification followed, where users could declare additional income sources. Income validation was a key moment—we asked for details like Income Source, Type of Activity, and a signed PDF bank statement to ensure accuracy.
Finally, users reached the Disbursement stage, where they could review their loan terms and even schedule a meeting with a banker. Every step was designed for clarity and confidence, empowering users to secure their mortgage entirely online—without ever setting foot in a bank.
LAUNCH
After six months of dedicated effort, overseeing every stage of the project cycle, the initiative was successfully launched, marking a significant achievement.
Achievements
The project became one of the most demanding products in digital banking
Helped more than 300 personal bankers to automate their manual work
TBC Mortgage website is used by more than 50K users monthly
The whole process was planned and executed in the record time in the company's history - in partnership with McKinsey & Company's consulting team
Smooth Scroll
This will hide itself!
This will hide itself!
TBC Bank & McKinsey
OVERVIEW
TBC Bank is one of the leading banks in the Eurasian market and is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index. The bank services are used by more than 5 million users. It's one of the most popular services is Mortgage which became old-fashioned while new trends on the market popped up.
ROLE
UX RESEARCHER
SERVICES
BRAND DESIGN
PRODUCT RENDERING
About
TBC stakeholders made the decision to create a team consisting of the leading players in the fields of Design, Research, and Loans & Risks specialists.
They also invited and involved specialists from the McKinsey consulting team exclusively for this disrupting project.
I was invited to work on this project for 6 months
Research
To design a seamless mortgage experience, I used JTBD, 4W, and 5W1H to uncover user needs. Partnering with outsourcing firms, I conducted interviews to craft qualitative personas.
I created low and high-fidelity wireframes and built a medium-fidelity prototype for live user testing. Collaborating with Loan & Risk teams, I iterated on 20+ user flows to meet strict regulations.
To refine the experience, I met with bankers, co-developing key questions to uncover workflow inefficiencies. The result? A streamlined mortgage process allowing millions to apply online—no bank visits needed.
Flows
Designing a seamless mortgage experience meant balancing personalization, compliance, and user trust. We started by adding all the necessary input fields to generate a tailored loan offer, ensuring users received financing options suited to their needs.
Behind the scenes, our system checked eligibility with TBC Bank, presenting users with a personalized loan they could customize. Next came the formal—but crucial—agreement step, ensuring transparency before proceeding
Collateral verification followed, where users could declare additional income sources. Income validation was a key moment—we asked for details like Income Source, Type of Activity, and a signed PDF bank statement to ensure accuracy.
Finally, users reached the Disbursement stage, where they could review their loan terms and even schedule a meeting with a banker. Every step was designed for clarity and confidence, empowering users to secure their mortgage entirely online—without ever setting foot in a bank.
LAUNCH
After six months of dedicated effort, overseeing every stage of the project cycle, the initiative was successfully launched, marking a significant achievement.
Achievements
The project became one of the most demanding products in digital banking
Helped more than 300 personal bankers to automate their manual work
TBC Mortgage website is used by more than 50K users monthly
The whole process was planned and executed in the record time in the company's history - in partnership with McKinsey & Company's consulting team
Smooth Scroll
This will hide itself!
This will hide itself!