Designing complex products that work for users — and survive contact with the business.

Melanie Bello
— 01 / Premise

From low conversion to real adoption - using data, research and product thinking to fix what actually matters.

— 02 / About

Where business logic meets user behavior.

6+ years across fintech, banking, and B2B. Currently leading product design at Tenpo, a Chilean neobank. Previously with BBVA, Amazon's Climate Pledge, and Banco Supervielle.

In financial products, designing for the user isn't enough — you have to design with the business model, the operational constraints, and the risk logic in the same breath. I work end-to-end on credit, insurance, payments, and fraud flows. The constraints aren't obstacles. They're part of the brief.

Onboarding completion
40 min → 5 min
Bulk payments task time
Insurance conversion
— 03 / Selected work

Three projects, three contexts. What they share: end-to-end ownership and measurable outcomes.

— 01
9 min read

The credit card people couldn't afford

A secured credit card with under 3% onboarding completion. UX iterations got us to 7%. The real fix came from rethinking the product model itself — and took completion to 12%.

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Credit & Risk Onboarding Product Strategy
— 02
7 min read

One payment, 300 services

50 utility payments used to take 40 minutes, one by one. A redesigned bulk flow — modeled with KLM analysis — takes it under 5 and scales to 300 services per operation.

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B2B Payments Workflow Design Scalability
— 03
5 min read

The pieces that didn't sell

Launched a ceramics brand. The first pieces didn't sell. The ones that did rebuilt the brand — and led to a 320-piece wholesale commission for a specialty café opening.

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Physical Product Brand & Product Founder-led