Launch In-Person Cash Deposits for Revolut Top-Ups, Then Diagnose a Falling KPI

You are a product manager on Revolut's top-up team, the team responsible for the ways customers add money to their accounts. Answer two questions: how you would launch cash deposits, and how you would respond if one of the team's main KPIs is down. ### Clarifying Questions - Which market launches first, and how do people there usually pay cash into an account today: shops, post offices, ATMs or bank counters? - Is the launch for personal accounts only, or also for business customers who take cash? - Which KPIs does the top-up team own, and is the KPI in Part 2 specific to cash deposits or to top-ups as a whole? - Who should carry the cost of handling cash: the customer through a fee, the paid plans through an allowance, or Revolut? ### Part 1 — Launch cash deposits How would you take cash deposits from idea to launch? ```hint Follow the banknote Revolut has no branches, so first work out how a note physically gets into the account and what compliance and cost demand of that path, then decide who to launch for and how. ``` #### What This Part Should Cover - The goal of the launch and the customers it is for - The deposit channel, the in-app flow, and the limits and fees around it - A staged rollout with launch metrics and guardrails ### Part 2 — A main KPI is down One of the top-up team's main KPIs has dropped. How would you go about addressing it? ```hint Find the term that moved Write the KPI as a funnel or as a product of factors, check which piece changed and where, and only then choose a fix. ``` #### What This Part Should Cover - Confirming the drop is real and pinning down its size and timing - Localizing it by funnel step, top-up method, market, partner and customer segment - Fixes matched to the cause, and how recovery is tracked ### What a Strong Answer Covers - A deliberate choice of who cash deposits serve and why that group matters to the business - Anti-money-laundering limits, partner economics and reconciliation treated as launch requirements, not afterthoughts - Metrics that connect the two parts: the funnel used to measure the launch is the same one used to localize a drop - A check on whether a falling KPI reflects money moving between top-up methods rather than money lost - A clear order of work: validate, decompose, segment, hypothesize, confirm, act ### Follow-up Questions - If the deposit partner charges a fee on every deposit and most deposits are small, how would you keep the feature from losing money without driving customers away? - How would you detect someone splitting a large sum into many small cash deposits across different locations to stay under the limits? - If many cash deposits are started in the app but far fewer are completed in person, what would you check first?