Step 2 · 90 days · from $50,000
Credit Conversion Redesign
The audit tells you what’s wrong. This fixes it. One scoped engagement that takes the application journey from where it is to where it converts, with your issuer on board and the numbers to prove it.
The 90 days
- Weeks 1–3
Baseline and design
Instrument the funnel properly (started → submitted → decisioned → approved → first use). Redesign the journey: soft-pull prequalification, field reduction, offer presentation, promo financing legibility, placement against BNPL, wallet provisioning at approval. Draft the change requests in the issuer’s language.
- Weeks 4–8
Negotiate and build
Work the three lanes in parallel: ship the merchant-controlled changes immediately, run the routine approvals through the bank’s process, and open the longer conversations with a business case. Work alongside your digital and engineering teams on the build; I carry the issuer, risk, and compliance threads so they don’t.
- Weeks 9–12
Ship and measure
Release, with structured tests where volume allows. Measure against the baseline: application conversion, approval rate, credit penetration, promo uptake, time-to-first-use. Hand over an experimentation backlog and the dashboard.
What’s different about this engagement
- It’s built for a partner-bank environment. Most conversion work assumes you control the form. You don’t. The method here starts from what the issuer will approve, and when, and sequences around it.
- One metric, agreed up front. We pick the number — usually approved applications ÷ started, or credit penetration — and the engagement is judged on it.
- I’ve done it from the inside. The 33% conversion lift I cite was delivered as the product owner on a live national program, with the issuer, risk, and legal in the room. That’s the job, not an analogy for it.
Price and terms
From $50,000 for a single program and primary checkout; larger estates and multi-brand programs are scoped on the call. 50% at signature, 50% at day 60.
Audit credit: the $5,000 audit fee is credited in full if you proceed within 60 days of the readout.
Optional performance component: a share of fee tied to measured lift, if you prefer a lower fixed fee.
What I need from you: an executive sponsor in credit or digital, an engineering counterpart, and an introduction to your issuer’s program manager.
Step 3
Run: the retainer
After the redesign ships, the program needs someone to keep testing — promo structures, placement, wallet, the agent-presented offer. A monthly retainer keeps the experimentation cadence and the issuer relationship warm without a headcount. Scoped per program; typically a fixed day-rate equivalent each month.
- Step 0
Free teardown
2 business days · $0Three specific fixes to your live application flow. Proof you can judge before spending anything.
- Step 1
Partner-Bank & Checkout Audit
5 working days · $5,000Full diagnostic of placement, onboarding, and competitive position, with every fix sorted by what your bank will approve and when.
- Step 2
Credit Conversion Redesign
90 days · from $50,000We rebuild the application journey, negotiate the changes with your issuer, ship, and measure. Audit fee is credited.
- Step 3
Run
Monthly retainerOngoing experimentation on the funnel, promo financing, wallet provisioning, and agent-readiness.
Scope it in 30 minutes.
Tell me the program, the issuer, and the number you’re measured on. I’ll tell you whether the redesign is the right step or whether the audit should come first.