Michelle Fernandez
Senior Product Designer @Varo Bank
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WORK HISTORY
Senior Product Designer @Varo Bank
San Francisco, CA, US
Led design for debit card funding across onboarding and account funding flows, contributing to a 3% increase in day-0 funding conversion and a 32% reduction in error rates, supporting the highest first-funding rates and deposit volumes to date.Owned debit card and ACH payment experiences for the small loan program, improving auto-repayment rates by 11% and driving strong reuse within 45 days (71% for debit card, 41% for ACH), while enabling more customers to qualify for and access much-needed loans.Worked closely with Product, Engineering, Risk, Compliance, and Data to shape scalable solutions within regulatory and technical constraints, improving cross-team alignment and delivery.Contributed to product strategy and roadmap discussions by identifying gaps and tradeoffs across banking and lending journeys, helping teams prioritize work with the highest impact on customer trust and business outcomes.
EDUCATION
General Assembly
User Experience Certification, UX Design Immersive Program
General Assembly
Certificate, Front End Web Development
FIDM
Product Development
General Assembly
User Experience Immersive Certification
SKILLS
ABOUT MICHELLE FERNANDEZ
I am a designer bringing delightful, and meaningful user experiences to life. I create interfaces with proven design patterns to help the user easily navigate through a task. Through human-centered design, I help to solve the user’s problem while keeping business goals in mind.
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