Hadifinance

by Ayoola Ogbeide

Hadi Finance is a lending product built to help small business borrowers access credit with clearer repayment terms and more flexible loan tenures. The problem was that all borrowers had only one loan tenure, 4 weeks, even though reliable repeat borrowers needed longer repayment windows to match their business cash flow and inventory cycles. I worked on the lending experience by defining a tier-based tenure system, repayment tracking logic, checkpoint rules, downgrade rules, and a credit repayment calculator. The solution allowed borrowers to start with a 4-week tenure and earn access to 8-week and 12-week tenures based on consistent repayment behavior. To execute this properly, I considered the main users: borrowers, field officers, and business stakeholders. Borrowers needed transparency and flexibility. Field officers needed visibility into repayment activity and flagged users. The business needed a system that rewarded good repayment behavior without increasing default risk. The final solution helped create a clear progression model, better repayment visibility, automated eligibility checks, and a safer way to offer longer loan durations to high-performing borrowers.