My Home Credit Philippines Loan Management App

Project Overview

The My Home Credit Philippines Loan Management App is a comprehensive platform that allows users to manage their loan accounts, make payments, and access various financial services. As part of the major overhaul of the app, I worked on enhancing existing features and introducing new capabilities, such as biometric authentication, eKYC (electronic Know Your Customer), and real-time analytics.

With over 10 million downloads and a 4.4★ rating on the Google Play Store, this app serves millions of users. My role was pivotal in modernizing its functionality and improving the user experience, especially in terms of security and onboarding.

My Role & Responsibilities

I was part of a cross-functional team that played a significant role in the app’s feature overhaul and the introduction of new functionalities. I also collaborated closely with stakeholders, conducted technical research, and made presentations to ensure alignment with business goals. Key responsibilities included:

• Stakeholder Collaboration: Worked with multiple stakeholders, including risk, data, and user experience teams, to gather requirements and ensure the app met business objectives.
• User Profile & Account Management: Developed and optimized the user profile management and account settings features for secure, seamless account handling.
• Biometric Authentication: Implemented 2FA, as well as fingerprint and face recognition for secure user authentication.
• eKYC Features: Led the development of eKYC features like ID scanning, selfie verification, and liveness confirmation, ensuring compliance with local regulations.
• App Analytics: Integrated Firebase for real-time event tracking and analytics, enabling data-driven decisions and performance optimization.
• Modular Architecture: Transitioned the app from a monolithic architecture to a modularized structure, allowing for better scalability and maintenance.
• On-call Support: Provided on-call support for major releases, ensuring quick resolution of issues and smooth deployments.

Key Achievements

• Major App Overhaul: Contributed to a complete overhaul of the loan management app, enhancing security, user management, and the onboarding process.
• Research & Presentations: Conducted technical research and presented findings to stakeholders, helping shape decisions around app features and improvements.
• Biometric and eKYC Integration: Successfully implemented biometric authentication and eKYC features, significantly improving the app’s security and user experience.
• Scrum Methodology: Played a key role in daily stand-ups, sprint planning, retrospectives, and backlog grooming, ensuring the project stayed on track.
• Cross-team Collaboration: Worked closely with various teams, including risk and data, UX, quality assurance, and app analytics, to ensure the successful implementation of features.

Tools and Technologies

• Development: Android Studio, Kotlin, Innovatrics SDK, Firebase, OkHttp3, Retrofit2
• Project Management: Jira, Confluence for task tracking, sprint planning, backlog grooming, and documentation
• Version Control: Git for maintaining a clean, collaborative workflow between teams

Challenges & Solutions

• Challenge: Ensuring a smooth user experience while integrating biometric authentication and eKYC features.
  • Solution: Collaborated closely with the UX team to ensure the user interface was intuitive, while implementing Innovatrics SDK for secure and efficient biometric verification.
• Challenge: Scaling the app’s architecture to accommodate the growing number of users and features.
  • Solution: Converted the app’s monolithic architecture to a modularized structure, making it easier to scale and maintain.

Conclusion

Working on the My Home Credit Philippines Loan Management App allowed me to strengthen my skills in biometric authentication, eKYC, and modular app architecture. Through cross-functional collaboration and technical research, I helped ensure the successful modernization of the app. The team followed Scrum practices, using Jira and Confluence for effective communication and tracking.