Staff Product Designer, QuickBooks Capital

Small businesses fuel the global economy. In the US alone, they employ 60% of the workforce and create 80% of new jobs. Yet the odds are stacked against them: one in two fails within five years, and most of those failures come down to cash flow — balancing inflows and outflows, chasing late customer payments, funding growth, and making payroll, all while hoping there's enough left over for profit or a rainy day.

At [REDACTED], we aren't just building software. We're trying to increase the survival rate of entrepreneurship globally, and we're building the operating system that lets businesses get paid faster, access capital, and manage their own financial destiny.

[REDACTED] Capital is looking for a Staff Product Designer to work across our lending products — term loans, lines of credit, marketplace, revenue-based financing, and the new products we're building — and the access points that surface them across [REDACTED]. The ambition is bigger than a loan application. It's a business asking 'can I cover this bill?' and [REDACTED] answering: pay it now with your line of credit, repay it from next week's invoice, and come out ahead on late fees. Credit as a decision the product helps make, not a product the customer has to go find.

This is a data and experiment driven team. Most of what we ship is tested, and the work moves quickly. We want a designer who is comfortable reading experiment results and funnel data, who can make a call before the numbers are conclusive, and who pushes for research when the data can't answer the question.

At [REDACTED], we're intentionally building AI into how we define, build, and ship products — and we're committed to equipping our teams to work at the forefront of it. This role works both sides of that. You'll use AI in your own practice to prototype faster and go deeper on customer insight. You'll also design AI-native lending experiences, including agent-driven surfaces and recommendations inside [REDACTED] Assist, where the customer needs to understand why they're being shown an offer before they'll act on it.

Responsibilities

Design the work

• Own the design of features and flows within a lending product area, from problem framing through launch and iteration.
• Define how credit appears inside existing workflows — invoices, payroll, banking, cash flow — so offers arrive at the moment of need rather than in a tab nobody visits.
• Hold the bar on craft: clarity, simplicity, and language a customer actually understands.

Design with data

• Partner with product and data science to shape experiments, not just design the variants — bring a hypothesis and a view on what a given result would mean.
• Read activation, application, approval, and drop-off data fluently, and use it to decide what to build next.
• Know what a test can prove and what it can't, and when qualitative research is the faster path to an answer.

Work across the system

• Partner across product teams so lending products complement each other rather than compete for the same moment of customer attention.
• Contribute to the patterns and design system for lending so the team can ship consistently at speed.

Influence and craft

• Articulate design rationale to product and engineering partners, and bring a clear recommendation rather than a menu of options.
• Raise the quality bar through critique and shared standards.
• Use AI in your own workflow to prototype, explore, and pressure-test ideas — and bring a point of view on where AI genuinely helps the customer versus where it introduces risk in a regulated lending context.

Qualifications

• 5–8 years of product design experience, preferably on large-scale consumer or small business products. Experience with lending, payments, or other financial services is a plus.
• Track record of shipping features and flows end to end, from problem framing through launch and iteration.
• Strong interaction and visual design craft, and fluency with design systems.
• Ability to analyze and synthesize quantitative and qualitative data to inform design decisions, identify opportunities, and measure outcomes.
• Experience designing for experimentation — shaping tests, interpreting results, and iterating on what you learn.
• Ability to convey ideas through storyboarding, wireframing, and prototyping, and to bring stakeholders along with a clear narrative.
• A portfolio demonstrating user-centered design principles and craft.
• Demonstrated ability to collaborate with Design, Product Management, and Engineering partners.
• Demonstrated ability to integrate AI tools into your design workflow to improve quality, speed, or depth.

[REDACTED] provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at [REDACTED]®: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, [REDACTED] conducts regular comparisons across categories of ethnicity and gender.

The expected base pay range for this position is:

• Mountain View $188,500 - $255,000
• San Francisco Howard Street, CA $188,500- $255,000