14 years designing financial products for Latin America. Payments, credit, crypto, corporate cards, ecommerce.
Field research in stores with BNPL showed weak connectivity made customers abandon the purchase. Paying meant waiting for a payment link by SMS or WhatsApp. So we made paying instant, with or without signal.
Customer ID. Scanned at any counter.
Tap to pay. NFC on entry-level Android.
Aplazo POS Terminal. One terminal for merchants.
Prepaid loan. Paid before you reach the counter.
Enterprise finance teams needed approvals, card controls and supplier payments. We built them in, and kept Clara simple for small teams.
Approval flows. Multi-step, built your way.
Card controls. Every team. One place.
ERP integrations. Accounting, connected.
Clara Pagos. Local and international supplier payments.
People verified, then stopped. The problem was trust, not forms. So we built one app that grows with you, from first deposit to pro trader.
Learning path. Confidence before the first deposit.
Buy and sell. Simple from day one.
More products. Unlocked as you grow.
Pro mode. One tap to the full platform.
I'm Rafael. I design financial products people trust. For people, and for the businesses that serve them.
Seven years leading global design teams of up to 35. Always a hands-on leader. Building with AI every day now.
Hours of interviews and data, synthesized with AI in minutes. More time with people. Less with spreadsheets.
More options, explored faster. Each one pressure-tested against the data. The call stays human.
AI-native systems and workflows that let a team scale. Fast to prototype. Ready to ship.
Open to leadership and Staff or Principal product design roles.
Contact me to access in-depth case studies.
rafaelmcovarrubias@gmail.com