I make complex products feel human.

Staff Product Designer in consumer fintech at 100M+-member scale, with more than $70M in shipped revenue impact behind me. Across a decade running my own practice and years inside high-stakes money products, I turn complexity into experiences people can actually understand and trust.

The work runs from revenue-critical marketplaces to the design systems underneath them to the agentic AI tooling that makes my team faster. I lead with research to decide what's worth building, and I prototype every flow in code, not Figma. Everything here shipped to real people, and every number was read from a live experiment.

See the work
Prototyped in code, not Figma

The prototypes on this site are real. Play them.

Every flow here was built as working, coded product, not a Figma click-through. The two below are running live in your browser right now. Open either and use it like the real app, drag the slider, filter the offers, walk the whole tax flow.

Live · coded
Credit Karma · Personal Loans

Dynamic Group Market Feed

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Live · coded
Credit Karma · Tax

Refund Estimator

Read the case →
Strategy and craft, proven in market. Research-first · Coded prototypes · Experimentation · Agentic AI

Selected work

2022 to 2026 · Intuit Credit Karma

No. 01 / Credit Karma
Personal Loans Marketplace
Turning a fragile lending marketplace into a system for financial decisions

The largest redesign in the history of Credit Karma Personal Loans. The page was a wall of look-alike offers with no model for how they got ranked, grouped, or explained. I set the vision, built the strategy with my PM and engineering, and drove it onto the roadmap. A four-variant experiment then tested which decisions actually paid, including the one that didn't.

+3.1% rev/user revenue-per-user lift, about $2.1M in incremental monthly revenue, against a 0.5% forecast. The winning tile also drove +11% impressions-per-user.
ShippedDesign SystemsExperimentation
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The shipped grouped, shoppable feed
 Shipped Design Systems ~$2.1M / mo Experimentation
No. 02 / Credit Karma
Personal Loans · Personalization
Curated offers that lifted revenue per user by 5%

Borrowers arrive with a job in mind: consolidate cards, cover an emergency, fund a project. I designed offers that open with that job, starting with debt consolidation, and the lift showed up in revenue per user.

+5% RpU revenue-per-user lift, about $1M in incremental monthly revenue, measured in-market
ShippedPersonalizationExperimentation
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The shipped curated marketplace
 Shipped Personalization +5% rev/user Experimentation
No. 03 / Self-initiated
Agentic Systems · Personal venture
Designing an autonomous, 15-agent growth engine

A personal venture: 15 scheduled agents handle audience engagement, content, performance readouts, and inbound deals for a real account, in one voice, with a human approving anything that leaves the building.

15 agents four operations run in parallel and unattended, with a human approving anything that leaves the account; as proof it worked, daily views roughly doubled in week one (1.6M) and 20+ inbound deals were surfaced
Agentic SystemsAI OrchestrationSystems Design
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Audience engagement4 agents
Content production5 agents
Performance feedback2 agents
Business development4 agents
Command center → one daily brief
Also on the shelf
Credit Karma · Personal Loans

Proving members wanted control before we bet a roadmap on it

Five competing models for member control, tested with real borrowers. We shipped the smallest one that could answer the question, then let usage settle the debate.

20%+ of members who opened it reached for the new options
View project → Credit Karma · Self-initiated

An AI research system for the design team

A research pipeline built on Claude that takes a rough idea to a runnable plan, screener, and synthesis scaffold. Built for the whole team, docs and all.

Days to under 10 minutes, from idea to ready-to-run plan
View project → Credit Karma · Tax

Refund projections people could actually trust

Sole designer on the Tax Refund Estimator and its front door, a high-traffic, trust-critical flow. It shipped and beat revenue targets by $2M+, and I rebuilt the whole flow as a live prototype, coded, not Figma, so you can play it.

Contributed to initiatives that beat revenue targets by $2M+
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The record
$70M+ in revenue impact across four independently measured programs I led design on in the personal-loans marketplace
15+ years designing digital products, from the first wave of the App Store to fintech at scale
$1M / mo incremental revenue from the curated-offers experiment, a +5% lift in revenue per user, measured in market
10 weeks of staged, four-variant experimentation on one of Credit Karma's most revenue-critical surfaces
<10 min from a rough idea to a runnable research plan, with the AI system I built and documented for my team
About

A design leader who deliberately chose to keep building.

I ran my own practice for a decade, hiring and managing both designers and design managers, then came back to hands-on work on purpose. That operator's judgment shapes how I pick problems, run critiques, and read experiment results. And the psychology I studied before design is why fintech fits: money is the most emotional thing people touch on their phones.

More about me →

Yolani Olivas