About
I'm Dharam, a Product Designer who specializes in building and scaling early-stage startups from 0 to 1. Previously led design at CRED ($6B, Fintech).
I thrive in fast-paced, collaborative environments where I can own the full design stack - from brand identity to product design.
My sweet spot is at the intersection of fintech, consumer tech, and luxury experiences, where I combine strategic thinking with high-impact execution.
I partner closely with founders to translate vision into compelling products that drive business results, while building and mentoring design teams along the way.
Interested? Let's connect!
Work Experience
Helping early-stage and growing businesses succeed. Hands-on from strategy to execution.
Launched 3 core revenue products: CRED Cash, CRED Pay and CRED Escapes. Scaled products from 0-1, mentored designers and witnessed CRED's 10x growth journey.
Projects
Currently in limited beta, I designed Finly's credit card management app and brand identity from 0-1 in 3 weeks. Created complete product design system for US market launch consisting of app, brand assets, and marketing collaterals.
Redesigned the brand website which directly contributed to 2X increase in enterprise leads. Drove Product Hunt launch strategy → #2 Product of the Month, 700+ upvotes in <24h. Currently leading design revamp of the core chat dashboard, introducing industry-first collaboration features.
Designed India's fastest-growing FD investment platform from 0-1. Led a team of 4 designers to launch brand, app, and web platform in 60 days. Achieved $50M in investments within 90 days of launch.
Led end-to-end design for Hallparty, a smart student ID super-app. Owned full design system (brand, app, web, physical card). Boosted adoption through custom characters designed by a Bali-based illustrator, while ensuring banking compliance and partnerships.
Crafted first-of-its-kind luxury travel product for CRED members → reimagined travel e-commerce through editorial design & rich media. Spearheaded brand vision alongside CEO & Design Head, establishing CRED's entry into luxury travel segment. Built platform from 0-1, positioning CRED as a leader in the lifestyle space beyond fintech.
Launched the product in 4 weeks during COVID peak as founding designer. Currently CRED's No. 1 revenue line. Scaled product from single offering to 5 major verticals: BNPL, QR payments, Tap & Pay, P2P transfers and Banking.
Led the end-to-end product design for CRED's 2nd largest revenue stream - instant credit lines up to $6K. Scaled as solo designer from 0→$125M monthly disbursals; now a top 5 digital lender in India. Designed one-of-its-kind borrower experience driving high conversion across first-time & repeat users.
Side Projects
Designed fan monetization platform enabling direct creator gifting. Branding, marketing and app design.
Designed crypto-to-fiat payment solution with wallet integration + physical card. Branding, marketing, app design.
Designed skill-exchange marketplace with in-app currency → real money conversion. Branding, marketing, app design.
Designed brand identity & digital presence for Greek-inspired natural skincare line.
Designed visual narrative exploring Da Vinci's life in the form of a horizontal-scroll website.