Product Manager at Zolve

About Zolve

Zolve helps people moving to the US get a bank account and a credit card before they have any local credit history. Most users are in the middle of a move with a lot going on, and the product has to satisfy regulators in both the US and India.

What I worked on

Most of my time went into what happens after someone gets the card: keeping them using it through their first twelve months. That meant tying activation, rewards, and referrals together instead of treating them as separate projects.

I reworked the rewards setup (Z-Points, gift cards, and Z-Perks) so it cost less to run. I launched Z-Marketplace from scratch, which gave Zolve a new way to earn by offering insurance, gift cards, and loans to people already using the card. And I grew the Step Referral programme by testing different versions of it, so more new users came in through people who already used Zolve.

What stayed with me

• Clear rules are easier to design for than vague ones. Most of our compliance pain came from requirements nobody could pin down.
• When someone is stressed and filling in forms, removing a field helped more than adding a feature.
• With two countries' rules in play, the edge cases took up most of the spec.