Tino is a B2B installment payment solution that connects suppliers and retailers. With a new strategic perspective on the market, we realized that credit could be much more than operational support — it could become a value pillar for the entire ecosystem.

Thus, the initiative was born to reposition credit analysis as one of Tino's main products.

We launched the first MVP to validate hypotheses and generate quick value for the market. Through interviews, tests, and analyses conducted by the Design and Product teams, in which I actively participated, we identified the challenges that would guide the next phase of the solution:

• Excess information in the current experience, making reading and decision-making difficult.
• Confusing flows from analysis to customer profile interpretation.
• Lack of clarity in credit recommendations and evaluation criteria.
• Need for a more fluid and autonomous experience, with a visual storytelling that supports the user in the final decision.

With this, we defined a new purpose for the product: to make credit decisions faster and smarter, connecting suppliers and retailers to drive business growth.

I was part of the UX strategy, participating in customer interviews and immersions with stakeholders and users to map the entire credit journey.

The discoveries reinforced three pillars: speed, accuracy, and trust. Our focus shifted to a simple and agile analysis flow, with only one input data point, and a unified customer profile that gathers all essential information in one place.

I led the design direction, and to accelerate the creative process and elevate the visual standard, we used AI tools like Lovable and ChatGPT to generate visual ideas, explore narratives, and refine microtexts consistently. The new interface was developed to balance clarity, identity, and efficiency.

Key decisions:

• Tag-based menu, allowing agile and scalable navigation.
• Tino Score with clear and transparent visual explanation.
• Modular blocks per page, enabling quick tests and adjustments.
• Trackable interactions, allowing measurement of engagement and effectiveness.

Results:

• Increased recurring use of the dashboard among suppliers.
• Greater clarity and autonomy in credit analysis.
• Enhanced operational efficiency.
• Positive feedback on simplicity and reliability.
• In some cases, Tino became the main reference in credit decision-making.
• Clearer storytelling, guiding the user through the analysis journey.

Tino is a B2B installment payment solution that connects suppliers and retailers. With a new strategic perspective on the market, we realized that credit could be much more than operational support — it could become a value pillar for the entire ecosystem.

Thus, the initiative was born to reposition credit analysis as one of Tino's main products.

We launched the first MVP to validate hypotheses and generate quick value for the market. Through interviews, tests, and analyses conducted by the Design and Product teams, in which I actively participated, we identified the challenges that would guide the next phase of the solution:

• Excess information in the current experience, making reading and decision-making difficult.
• Confusing flows from analysis to customer profile interpretation.
• Lack of clarity in credit recommendations and evaluation criteria.
• Need for a more fluid and autonomous experience, with a visual storytelling that supports the user in the final decision.

With this, we defined a new purpose for the product: to make credit decisions faster and smarter, connecting suppliers and retailers to drive business growth.

I was part of the UX strategy, participating in customer interviews and immersions with stakeholders and users to map the entire credit journey.

The discoveries reinforced three pillars: speed, accuracy, and trust. Our focus shifted to a simple and agile analysis flow, with only one input data point, and a unified customer profile that gathers all essential information in one place.

I led the design direction, and to accelerate the creative process and elevate the visual standard, we used AI tools like Lovable and ChatGPT to generate visual ideas, explore narratives, and refine microtexts consistently. The new interface was developed to balance clarity, identity, and efficiency.

Key decisions:

• Tag-based menu, allowing agile and scalable navigation.
• Tino Score with clear and transparent visual explanation.
• Modular blocks per page, enabling quick tests and adjustments.
• Trackable interactions, allowing measurement of engagement and effectiveness.

With scalable visual standards and a modular design, we created a solid foundation for faster and more reliable credit decisions.

Together with the Customer Experience team, we presented the new dashboard for our clients to understand the rethought experience and share feedback in real-time.

Results:

• Increased recurring use of the dashboard among suppliers.
• Greater clarity and autonomy in credit analysis.
• Enhanced operational efficiency.
• Positive feedback on simplicity and reliability.
• In some cases, Tino became the main reference in credit decision-making.
• Clearer storytelling, guiding the user through the analysis journey.