Embedded Financial Products for a Fortune 500 Bank

Overview

Consulting engagement with Capital One's embedded financial products group. Started with a co-brand credit product for e-commerce merchants — merchant research, consumer research, journey mapping, and iterative prototyping. The engagement expanded to cover platform discovery and design, from buyer research through high-fidelity prototypes and engineering handoff.

Responsibilities

• Led product discovery & prototyping for co-brand credit product and SaaS platform
• Extensive user research across all segments — merchants, consumers, and enterprise integrators
• Designed and iterated prototypes through multiple rounds with target customer segments
• Competitive analysis across the embedded finance landscape
• Delivered high-fidelity prototypes and design specifications for handoff to Capital One's internal engineering teams

Outcome

An engagement across two product lines — from initial co-brand credit concept through enterprise platform design. Delivered research, prototypes, and specifications that informed Capital One's internal product roadmap for embedded financial products.