Pin Athwal designs thoughtful AI-native products for complex industries.
Zurich Insurance
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AI transformation for commercial underwriting
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2026
I led product design within Zurich Australia’s Enterprise Quotes transformation, shaping how commercial property submissions could move from broker email to underwriting decision. Working with underwriting, product, CX, engineering and AI teams, I translated fragmented journeys across documents, spreadsheets and internal systems into a future-state experience for AI-assisted intake, extraction, triage and review. Through workflow design and prototyping, I defined where automation could help and where underwriting judgment remained essential. The proposed portal kept evidence, exceptions and decisions connected, with the goal of reducing manual handoffs and shortening quote turnaround from days to hours.
AI Underwriting, 2025–26
Zurich Insurance
,
2026
I led product design within Zurich Australia’s Enterprise Quotes transformation, shaping how commercial property submissions could move from broker email to underwriting decision. Working with underwriting, product, CX, engineering and AI teams, I translated fragmented journeys across documents, spreadsheets and internal systems into a future-state experience for AI-assisted intake, extraction, triage and review. Through workflow design and prototyping, I defined where automation could help and where underwriting judgment remained essential. The proposed portal kept evidence, exceptions and decisions connected, with the goal of reducing manual handoffs and shortening quote turnaround from days to hours.
AI Underwriting, 2025–26
Heatseeker Ai
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Rapid product definition for an AI market-testing platform
,
2025
I joined Heatseeker for a focused product sprint, helping turn an ambiguous AI experimentation concept into a clear, testable workflow. I designed the core journey across experiment creation, audience selection, AI-assisted setup, alert triage, review and insight handoff, simplifying how teams could move from an idea to evidence they could actually use in a decision. The engagement combined product framing, interaction design and rapid prototyping, helping the team establish a more coherent product direction in a very short timeframe.
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Heatseeker Ai
,
2025
I joined Heatseeker for a focused product sprint, helping turn an ambiguous AI experimentation concept into a clear, testable workflow. I designed the core journey across experiment creation, audience selection, AI-assisted setup, alert triage, review and insight handoff, simplifying how teams could move from an idea to evidence they could actually use in a decision. The engagement combined product framing, interaction design and rapid prototyping, helping the team establish a more coherent product direction in a very short timeframe.
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Goodwork Ai
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AI analytics for retail decision making
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2025
I worked with Goodwork to shape an AI-powered analytics product for merchandising, finance and operations teams, turning complex retail data into clearer decision-making workflows. I defined the information architecture and dashboard models across SKU, store, margin and performance data, then designed alerts, cohorts and drill-down experiences that helped users move from signal → investigation → decision. Alongside the core product experience, I established lightweight design-system patterns and helped frame measures such as adoption and time-to-insight so the product could be evaluated beyond visual polish.
VTR_01.jpg
Goodwork Ai
,
2025
I worked with Goodwork to shape an AI-powered analytics product for merchandising, finance and operations teams, turning complex retail data into clearer decision-making workflows. I defined the information architecture and dashboard models across SKU, store, margin and performance data, then designed alerts, cohorts and drill-down experiences that helped users move from signal → investigation → decision. Alongside the core product experience, I established lightweight design-system patterns and helped frame measures such as adoption and time-to-insight so the product could be evaluated beyond visual polish.
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Citro by AMP
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0→1 product and design leadership
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2025
I joined Citro at the beginning of the venture as its first employee, working with AMP Ventures and BCG to take the proposition from early opportunity framing through product definition, MVP and launch. As Head of Product Design, I established the design practice while remaining hands-on across discovery, product strategy, interaction design and delivery. I helped shape Citro’s community, rewards and financial-product experiences, working across product, engineering, content and commercial teams as the business moved from concept into a live consumer platform. Citro went on to reach 200,000 community members, 10,000+ Visa Debit cardholders in its first year and an NPS of +39.
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Citro by AMP
,
2025
I joined Citro at the beginning of the venture as its first employee, working with AMP Ventures and BCG to take the proposition from early opportunity framing through product definition, MVP and launch. As Head of Product Design, I established the design practice while remaining hands-on across discovery, product strategy, interaction design and delivery. I helped shape Citro’s community, rewards and financial-product experiences, working across product, engineering, content and commercial teams as the business moved from concept into a live consumer platform. Citro went on to reach 200,000 community members, 10,000+ Visa Debit cardholders in its first year and an NPS of +39.
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My Guarantee
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Designing the first digital bank guarantee
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2024
I led product design for Lygon, later MyGuarantee, a blockchain-based fintech venture founded by ANZ, Commonwealth Bank, Westpac, IBM and Scentre Group to digitise the traditionally paper-based bank guarantee process. I designed end-to-end workflows across guarantee issuance, acceptance, document exchange, permissions, KYC, status tracking, exceptions and auditability. The goal was to turn a complex, regulated banking process into a clearer digital product. I also established a WCAG-aligned design system and led research for expansion into Singapore, working across product, engineering, banking, legal and compliance teams.
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My Guarantee
,
2024
I led product design for Lygon, later MyGuarantee, a blockchain-based fintech venture founded by ANZ, Commonwealth Bank, Westpac, IBM and Scentre Group to digitise the traditionally paper-based bank guarantee process. I designed end-to-end workflows across guarantee issuance, acceptance, document exchange, permissions, KYC, status tracking, exceptions and auditability. The goal was to turn a complex, regulated banking process into a clearer digital product. I also established a WCAG-aligned design system and led research for expansion into Singapore, working across product, engineering, banking, legal and compliance teams.
MGX_01.png