Walmart Marketplace

Walmart Capital offers Marketplace sellers financing to grow their business. The offers themselves are useful. The difficulty was the experience around them: it spanned web and mobile, included two financing providers, and served sellers in more than one language.

• Inconsistent fees. Walmart’s internal program and Parafin displayed fees differently, so the same offer could read as two different deals.
• No mobile path. Capital wasn’t part of the Seller mobile app, so sellers managing their store on the go couldn’t see or act on offers.
• Complex product, little guidance. Financing terms are dense, and sellers needed help understanding them without being buried in text.

I led design from PRD analysis to QA. I turned requirements into flows and interactive prototypes, designed the AI guidance experience, and reviewed builds against the design system before release.

1. One way to show a fee.
   I redesigned the Capital page around a single fee display pattern that works for both providers, so sellers compare offers on the same terms.
2. Tiles that follow the loan lifecycle.
   For the mobile integration, I designed offer tiles and lifecycle tiles that change as a seller moves from eligible to funded to repaying. This covered both 1P and 3P flows.
3. An AI educator that doesn’t overwhelm.
   The Capital Educator agent explains financing in plain language. The hard part was restraint, since generative guidance can easily become a wall of text.
4. Designing for Chinese-speaking sellers.
   I localized the Capital and financing UI into Simplified Chinese. Along the way I adjusted layouts for payments.

Capital went from a confusing set of offers to something sellers can read at a glance. Fees now display the same way regardless of provider, so an offer means one thing. Sellers managing their store from the mobile app can see where they stand in the loan lifecycle without switching to desktop. And the Educator agent answers financing questions in the moment, instead of leaving sellers to decode the terms alone.

Walmart’s payments lead flagged the work internally, which opened a conversation about extending my scope to more of the mobile experience.

The recurring lesson across Capital, incentives and payouts was that these surfaces fail by adding, not by missing. Every one of them arrived carrying more information than a seller could act on: stacked CTAs in a table cell, competing fee formats, an AI agent happy to explain everything at once. The design work was mostly subtraction, deciding what a seller needs at this exact step and moving the rest out of the way. Restraint turned out to be the feature.