Charisma Financial Group: Digital Collateral-Lending MVP
CharismaLending is a fintech startup incubated within Charisma Holding, building a collateral-based lending platform in a market where that kind of infrastructure barely existed. I joined as an Associate PM on a small team where everyone wore multiple hats and there was no playbook to follow. The product had never been built before, at least in this market.
I started with discovery. Borrower interviews, operations walkthroughs, mapping out how the actual workflow differed from what anyone had assumed. What came out of that shaped everything: a requirements picture that looked different from the original plan, a backlog engineering could actually work from, and a much clearer picture of what we were really solving for. Three months after development started, we had a live product. 200+ real borrowers onboarded, $500K+ in loan volume processed, and 30% fewer critical defects than projected at launch.
Six months, a small team, and something that hadn't existed before. That's the version of product work I like best.

