Tim Valderrama
Lead Product Designer for regulated FinTech and AI-enabled systems.
- Design strategy
- Complex systems
- 0→1 products
- AI product UX
- Cross-functional collaboration
Lead Product Designer for regulated FinTech and AI-enabled systems.
Lead Product Designer for regulated FinTech and AI-enabled systems.
Former PayPal design lead and Meta FinTech consultant. I turn ambiguous, multi-market workflows into scalable products that improve conversion, revenue and customer trust.
Selected work
Turning Credit Caution Into Customer Adoption
PayPal Credit Products for Germany
63.7%
Combined monthly TPV increase
German customers hesitated to use credit: the options available felt risky, rigid, and at odds with responsible spending. They wanted to inspect a purchase before money left their account — and still spread larger costs into manageable payments.
Reducing Friction
Optimizing Loan Application Flows
208%
Of baseline Pay in 4 conversion
A credit card takes seconds at checkout. A PayPal installment product takes a rigorous, multi-step application — every time. That friction breaks the purchase flow and costs conversion, repeat usage, and adoption of one of PayPal’s key revenue-driving products.
Designing Onboarding That Drives Adoption
Monthly Invoicing for Meta Ads
97%
Target conversion, up from 39%
High-spend advertisers risk costly campaign pauses from card failures and funding gaps. Monthly Invoicing prevents them while cutting Meta’s card processing costs — $2.46B a year now, projected to reach $4.2B. Wider adoption should save at least 7.5% annually.
Rapid App Innovation
Daily Reporting App for Teachers
480 hrs
Estimated annual time saved
Schools document each child’s day through a labor-intensive end-of-day report that doesn’t scale. Parents wait until pickup to hear how the day went, when what they need is reassurance in the moment.
Experiments
Less Portal. More Care.
Redesigning the Patient Portal
Patients already feeling unwell struggle to book appointments through the MyHealthOnline portal. Research found the experience overly complicated, and analytics confirm the drop-off: only 67% of bookings are completed.
See the Signal. Seize the Opportunity.
Turning Marketplace Signals Into Action
Operations, merchant success, and finance teams share the same marketplace data, but each team’s critical signals sit buried in cluttered, one-size-fits-all reporting. By the time an issue surfaces, it has already cost time, revenue, or merchant trust.