Margarita Uvaeva

Banking product:

• Designed a user-friendly mobile banking app flow to address the time-consuming (up to 1 day) traditional account opening process, which often fell short of meeting the expectations of digitally savvy students.
• Enabled users to open a bank account in under 2 minutes while ensuring compliance with regulatory, fraud prevention, and KYC requirements.
• Facilitated the opening of over 10,000 bank accounts within the first month of launch, significantly boosting business adoption and customer satisfaction.

Lending Product:

• Designed a fully digital, chat-based loan application experience to address the slow and manual education loan process in India, which often took up to three months and caused significant stress for students.
• Created an innovative UX making the process feel like interacting with an assistant, enabling students to apply for a loan and receive a decision in under 30 minutes.
• Disbursed over $230,000 in loan amounts across 240 approved applications, with less than 0.5% of applicants delaying or defaulting on payments.

Payments & Split Bill Product:

• Designed an integrated bill-splitting feature within the NuCash Payment app to tackle the inefficiencies of manual bill-splitting apps used by 70% of students in India.
• Enabled seamless bill payment and splitting, with automated reminders for overdue payments.
• This aimed to reduce manual effort by 90% and minimize uncomfortable conversations over unpaid bills.

• Designed a user-friendly investment portal to address process inefficiencies, data inaccuracies, and delays in investment management caused by manual workflows.
• Automated data fetching from multiple sources, integrated actionable alerts, and provided intuitive visualizations to streamline decision-making.
• Reduced manual steps by up to 80%, enabling the operations team to make timely, informed investment decisions and critical adjustments, significantly improving workflow efficiency.

Chegg Study Business Unit:

Identified challenges with declining engagement, account sharing, and low conversion rates in Chegg Study, which were affecting overall revenue growth. As a UX Designer, I worked on diverse projects to address these challenges:

• Redesigned the Q&A content structure to improve clarity and usability, driving higher engagement with study resources.
• Developed user-friendly solutions to prevent account sharing while maintaining a seamless experience for legitimate users.
• Optimized product pages for SEO, leading to a 3% increase in organic search and overall website traffic.
• Implemented a 1-click checkout feature, simplifying the subscription process and reducing drop-offs.

These projects collectively resulted in increased engagement, higher subscription rates, and improved overall revenue performance for Chegg’s largest business unit.

Test Prep and Chegg Math Business Units:

• Recognized that Test Prep and Chegg Math teams faced challenges with content quality, low user acquisition, and poor engagement, which impacted user growth and retention.
• Enhanced content quality and structure while designing intuitive features to attract new users and keep them engaged.
• Improved content perception, increased user acquisition, and boosted engagement, driving measurable growth and better retention for both business units.