Systems Thinker  •  Strategic Design Leader  •  Product Builder

Tracey Varnell

my teammates call me TV

Hi! I'm Tracey Varnell

I'm a player-coach product management/design leader with 20+ years setting product and experience strategy, defining solutions, and owning multi-product portfolios.

I simplify complex workflows in high-trust environments.

How can I help?

Trusted by teams at

Credit Acceptance
DerivativePATH
Adaptive Path
Capital One
OnDeck
USAA
Invoca
Welltok
Herff Jones
TIAA
Air National Guard
HBO
Pentax
Thomson Reuters Westlaw
FedEx
Credit Acceptance
DerivativePATH
Adaptive Path
Capital One
OnDeck
USAA
Invoca
Welltok
Herff Jones
TIAA
Air National Guard
HBO
Pentax
Thomson Reuters Westlaw
FedEx

My expertise

  • Aligning on what to build

    Ideas are cheap now, but focus isn’t. I help teams gather evidence from real customer behavior so they can agree on what’s worth building and commit to the best bets together.

  • Guiding craft and cohesion

    Good enough to test isn’t good enough to ship. I help teams reach adoption and retention goals sooner with principles, design systems, and expert critique, avoiding rework and design debt across products.

  • Optimizing how teams deliver

    Speed without strong context produces slop and rework. I help teams build the shared context and structure that lets people and AI agents hit the mark faster and move into production smoothly.

  • Supporting team success

    Tools change fast, but what people need to do their best work doesn’t. I help teams keep their momentum with clear direction, fewer roadblocks, and room to try new ways of working.

Selected Work

Increasing funded loans by optimizing dealer workflows and launching 0-to-1 products that grew consumer traffic and improved loan conversion

Credit Acceptance
Head of Product Design & Research
Classified Output

I directed Product Design Leads across multiple concurrent efforts, including a redesign of Credit Acceptance's flagship lending platform, an integrated loan structuring and pricing solution within loan aggregators, dealer tools to attract and manage buyers, and a used vehicle marketplace.

Design LeadershipPlatform Redesign0→1 ProductsConsumer ExperienceDesign Systems
View Case Study

Optimizing the small business loan origination experience across customer, partner, and operational touchpoints to improve loan conversion

OnDeck
Head of Design — Sr. Director, Experience Strategy & Design
Classified Output

I led the effort to optimize OnDeck's loan origination funnel across the public website, application, and servicing portal. Grounded in customer research and funnel analytics, we prototyped a future-state experience, backcast the MVP scope, and built a design system. The MVP lifted lead-to-close conversion 12% year over year.

Product StrategyCustomer ResearchService DesignRoadmapping
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Incubating 0-to-1 products for small business customers to de-risk the product portfolio

OnDeck
Head of Design — Sr. Director, Experience Strategy & Design
Classified Output

I directed a product discovery process to find where small business tools were failing owners beyond the lending transaction, and to identify new products that could attract customers and deepen engagement with existing ones. Two concepts survived customer validation and a fake-door test, and one, Cushion, an SMB savings tool, was prioritized for development in 2020.

Product DiscoveryMixed-Methods ResearchRapid Prototyping0→1 Products
View Case Study

Transforming the multi-sided Capital One home loans service to increase closed loans and achieve product line profitability

Capital One
Service Design Lead — Sr. Manager
Classified Output

I directed a cross-functional team of executives, designers, product managers, and engineers through a home loans digital transformation, aligning six workstreams on a single end-to-end release. The December 2015 MVP launch was the first of its kind in the market, increased loan conversions 12%, and delivered the business's first profitable year.

Service DesignDigital TransformationExperience StrategyCross-functional Leadership
View Case Study

Work History

Credit Acceptance

2023–2026

Head of Product Design & Research

Built the product design practice, optimized existing experiences, and incubated 0-to-1 consumer-facing products

Derivative Path

2022–2023

Head of Experience Strategy

Led experience strategy for a fintech derivatives platform

Silicon Valley Bank

2019–2020

Fractional Product Design Leader

Guided product design during a critical growth period

OnDeck

2016–2019

Head of Design — Sr. Director, Experience Strategy & Design

Designed the future of small business lending and incubated 0→1 products

Capital One (via Adaptive Path)

2014–2016

Service Design Lead — Sr. Manager

Transformed a mortgage platform from loss to profitability

Adaptive Path

2013–2014

Lead Experience Designer

Delivered human-centered design for enterprise clients

Welltok

2012–2013

Director, Product Experience

Led product experience for a health optimization platform

Roundarch

2011–2012

UX Lead

Led UX for large-scale enterprise digital transformations

EffectiveUI

2007–2011

Lead Experience Architect

Shaped award-winning UX for clients across industries

What People Say

Peer recognition from colleagues, cross-functional partners, and direct reports.

“Tracey is one of the smartest, most strategic thinkers I have ever worked with. She exemplifies Design Thinking in all her work — she considers the spectrum of strategic, cognitive and practical aspects of every project.”

Senior Colleague, Agency

“She was instrumental in transforming multiple disparate internal systems into an elegantly designed software product. She is the type of design leader who will not only bring in-depth customer insights and design thought leadership, but also strategic thinking into the critical product design process.”

Cross-functional Partner, Fintech

“Tracey is also a uniquely skilled leader of people. Teams coalesce around her and she navigates projects and personalities with equal fearlessness and grace.”

Design Leadership Peer

“As a leader, Tracey is inspirational, leads by example, passionate about her work, and acts with high integrity. She is an outstanding product design leader who will be invaluable for any product organization.”

Direct Report, Product Design

Let's build.

Currently open to join or consult with forward-thinking, fast-paced, collaborative teams. I hope it's yours!

Available for leadership, senior IC, or consultant roles