Mortgage, 0→1
Built and scaled a mortgage product from zero, rebuilding the broker payout operation that would have throttled it.
No mortgage product existed — and the payout process wasn't built to support one
No lending product existed at the exact financing-decision point in the buyer journey. Broker payouts were slow enough to erode trust — a friction point that would only worsen under a new, higher-stakes financial product.
A 0→1 mortgage product could unlock a new revenue line — if broker trust came first
Launching directly into the existing buyer/broker journey would only scale if brokers trusted the payout mechanics. Payout speed was a precondition, not a nice-to-have.
Built the product and rebuilt the payout operation in parallel
I owned the 0→1 product definition plus a redesign of the payout operation — process, not just tooling — to cut turnaround to roughly one-fourth of the original time.
Results
A product that didn't exist now runs at meaningful scale in monthly disbursals, built on a payout operation that had to be trustworthy before the product could scale at all.