Redesigning the SME Drawdown Experience
How we turned a fragile manual invoice flow into a scalable bulk-upload workflow — reducing friction in one of CredibleX's most critical financial journeys.
Manual invoice entry worked for 3 invoices. It broke at 50.
The original drawdown flow required SMEs to add each invoice individually — filling supplier details, amounts, dates, and uploading documents one by one. For small submissions this was fine. But for businesses submitting 10, 20, or 50 invoices, the experience became a bottleneck in a critical financial workflow.
Long accordion sections overloaded the interface
Repetitive data entry increased effort and frustration
Users switched between spreadsheets and the platform
Manual input mistakes grew with every invoice added
The original flow — manual invoice-by-invoice entry with accordion sections
The data already existed. The system just wasn't using it.
What SMEs were doing
- Managing invoice records in Excel spreadsheets as part of daily operations
- Manually re-entering the same data into the drawdown form
- Switching back and forth between their files and the platform
- Spending 15–30 minutes on what should take seconds
The opportunity
The real opportunity was not to make manual entry slightly better. It was to remove manual entry altogether for high-volume users.
Core reframe
Stop asking users to re-create data that already exists. Let them upload it.
Two paths: manual for small, bulk upload for scale
We redesigned the drawdown experience with two submission paths — preserving flexibility for small submissions while making high-volume flows efficient through Excel-based bulk upload.
Manual entry for small submissions
For SMEs with a few invoices, the manual flow remained available with improved form structure and validation.
Improved manual entry with inline validation and document upload
Bulk upload for high-volume submissions
Upload invoice data in Excel. The system extracts, maps, validates, and presents records in a structured table.
Download template, fill invoices in Excel, upload in one click
System extracts and maps invoice data automatically
Row-level errors — users see exactly which row failed and why
All invoices in a structured table, ready for submission
Submission confirmation
Clear next-step guidance — approval, review, and disbursement stages communicated upfront.
From fragile to scalable
Reduced operational friction
Removed repetitive manual effort from a high-frequency financial task.
Improved scalability
Now supports SMEs with 50+ invoice batches without breaking the experience.
Fewer input errors
Upload existing spreadsheet data instead of manual re-entry.
Faster task completion
Single upload-and-review flow replaces dozens of form fills.
Better user confidence
Row-level error reporting with precise, actionable guidance.
Aligned with real workflows
Product adapted to how SMEs already manage data — through Excel.
Before
- ✗Experience scaled poorly
- ✗Effort grew linearly with volume
- ✗More invoices = more friction
After
- ✓Workflow became scalable
- ✓System handles complexity
- ✓High-volume submissions efficient
I identified that the drawdown request flow was breaking down for SMEs submitting high invoice volumes. I redesigned the journey by introducing a bulk upload flow — allowing SMEs to upload invoice data from Excel, automatically extract records, review them in a table, and resolve issues through row-level error handling. This shifted the experience from a repetitive manual task to a scalable workflow.
”Thank you
A note for hiring managers
I design complex products that people can actually use. I've led product design across fintech, AI, and SaaS — shipping end-to-end, not just screens. I move fast, align teams, and obsess over the details that make systems feel coherent.
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