[ OTO Capital · Fintech ]
Approving more of the right loan leads
A decision engine for soft approval and rejection at a two-wheeler financing startup — part of an app and web purchase journey I built from scratch.
- work for
- OTO Capital
- date
- Aug 2020 – Jan 2022
- team
- 3 Android, 2 backend, an analyst and QA
- focus
- Underwriting, lead filtering, app lifecycle
(tl;dr) my role — Associate Product Manager · OTO Capital
+60%loan approval rate
94%ride-tracking accuracy
What I worked on
- Built OTO’s e-commerce journey on the website and the app from scratch — from browsing a two-wheeler to getting it financed.
- Owned the complete lifecycle of the app with a team of 3 Android engineers, 2 backend engineers, an analyst and QA.
- Built a decision engine for soft approval and rejection to filter leads, improving the approval rate by 60%.
- Used alternate device-data analytics for sharper user profiling and underwriting.
- Developed a model to track user rides, taking ride-tracking accuracy to 94%.