Founded in 2012, Creditas, a Brazilian fintech, is a consumer lending startup that operates a digital platform providing secured loans and low interest rates. By 2022, Creditas had over 3.000 employees and was serving a broad range of products related to consumer loans, with B2C and B2B2C models.

In this case study, we will deep drive into how we evolved from a single team with multiple products, to a full product tribe with a platform team to support internal stream-aligned teams for fast flow of value.

In just three years, Yassir scaled from 50 engineers to 400, serving 8 million customers across 45 cities. This rapid growth came with a price: tangled team structures, misaligned priorities, and mounting delivery bottlenecks. In this case study we show how Team Topologies helped turn chaos into clarity and faster flow.