credit lines were neither matching users’ expectations nor fitting their needs, and nubank colombia lacked the ability to raise them. users were feeling frustrated, declaring “increase credit lines” their primary pain point, and were transacting less with our credit card than with others, endangering our credit business’ sustainable growth.

i collaborated with multidisciplinary team members to build the foundations for credit increases' underwriting and user experience. i challenged and debated business analysts and product operators' business proposals to derive two credit policies. understanding data scientists and engineers' pains, i upgraded our technical architecture by implementing a global data infrastructure in colombia. i informed, challenged and debated lawyers, designers, engineers and product operators' design proposals to devise a credit-increase ux/ui.

nubank colombia launched credit increases, lifting credit lines for 13% of users, unit balance by 14%, unit revenue by 20%, CSAT by up to 28 percentage points and NPS by up to 5 points - with no statistically significant effect on delinquency.

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