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 hybrid with 20+ years of experience setting service and experience strategy, and leading cross-functional teams through build and launch.

I'm known for translating messy workflows in complex, high-trust environments into simple, scalable solutions.

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 AI-assisted workflows

    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

Optimizing the B2B auto loan origination workflow, and expanding the product experience to support indirect and direct consumer acquisition

Credit Acceptance
Head of Product Design & Research
Classified Output

Established the Product Design & Research practice from the ground up at an indirect auto finance company. Directed product design activities across multiple workstreams: incubating zero-to-one products for car shoppers and dealers, directing a redesign of the CAPS lending platform, and optimizing the consumer loan servicing platform.

Org Building0→1 ProductsDesign SystemsAI Integration
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Optimizing Small Business Lending across customer, lending partner, and internal operation touch points

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

Led a comprehensive research and product strategy engagement to define OnDeck's experience vision. Conducted ethnographic research with small business owners across the US, synthesized findings into a structured unmet needs framework.

Product StrategyCustomer ResearchService DesignRoadmapping
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Zero-to-one product development for small business owners

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

Working directly with the CPO, led multiple zero-to-one product development initiatives to extend OnDeck's value beyond lending. Led opportunity identification grounded in observed customer need and validated customer desirability of multiple products.

0→1 ProductEthnographic ResearchPrototypingFintech
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Leading mortgage product experience strategy and design efforts in a consumer & operational digital transformation that led to product line profitability

Capital One
Service Design Lead — Sr. Manager
Classified Output

Led experience strategy and execution as an embedded consultant for the Capital One Home Loans' digital transformation. Orchestrated feature prioritization and roadmap planning to coordinate an MVP launch across seven cross-functional teams.

Service DesignP&L ImpactEnterprise TransformationFintech
View Case Study

Work History

Credit Acceptance

2023–2026

Head of Product Design & Research

Building a product design practice, redesigning existing experiences, and incubating 0-to-1 products simultaneously

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