A stealth fintech had a regulatory pathway and capital but no product. Buy Now Pay Later as a category was hardening: the early entrants had set expectations for speed, the regulators had set expectations for risk, and the capital partners had set expectations for unit economics. There was no second chance to launch with the wrong shape.
I came on as Head of Product, hired and led the team, and built the BNPL platform from concept to MVP. Product strategy, UX architecture, compliance workflows. The work that mattered was the translation: regulatory and risk requirements had to land as scalable system logic, not policy bolted on.
BNPL platform launched from concept to MVP. Hired and led the product and design team through early-stage growth. Compliance and risk requirements translated directly into system logic.
Platform live, team in place, compliance posture defensible. Product shape that absorbed risk-and-regulatory constraint without paying for it in user experience.