Modernizing the Capital One recovery agent experience

*Project Assests withheld by Capital One under NDA.

Modernizing the Capital One recovery agent experience

*Project Assests withheld by Capital One under NDA.

Overview

Overview

Role

Visual Designer

Prototyper

Tools

Figma

Sketch


Platform

Responsive Web

Problem

Capital One lost revenue due to inefficiencies in its collections process. Agents struggled with outdated systems, manual workflows, and a lack of automation, which reduced their productivity.

Goal

Capital One aimed to develop an MVP for its collections software, migrating from legacy systems to a more consolidated platform. The MVP would streamline agent workflows and improve caseload management.

Process & Contributions

Process & Contributions

UX Research

Conducted contextual inquiries with collections agents to understand workflow pain points.

Interviewed agents using both legacy and destination software to identify critical enhancements.

Created an improved agent journey map to inform the MVP design.

Key Insights

"Customer authenticification needs to be automated. We spend too long manually verifying payment information with the customer before we can begin servicing."

It takes a lot of time to look up each customer's classification to find the correct legal disclaimer to read before beginning servicing.

Many manual documentation processes can be automated to standarize servicing and streamline the agent experience.

Wireframing
& Prototyping

Integrated IVR (integrated voice recognition) to automate customer verification, reducing manual agent tasks.

Integrated IVR (integrated voice recognition) to automate customer verification, reducing manual agent tasks.

Integrated IVR (integrated voice recognition) to automate customer verification, reducing manual agent tasks.

Focused on key workflows: customer authentication, payments, and account updates.

Focused on key workflows: customer authentication, payments, and account updates.

Focused on key workflows: customer authentication, payments, and account updates.

Designed a more efficient disclaimer system, replacing manual searches with an automated display based on account details.

Designed a more efficient disclaimer system, replacing manual searches with an automated display based on account details.

Designed a more efficient disclaimer system, replacing manual searches with an automated display based on account details.

Minimizing Tech Debt

Collaborated with tech and product partners to prioritize existing features from the destination software.

Due to time constraints, the MVP focused on IVR integration, while other features (automated disclaimers and payment updates) were deferred.

Final Review & Approval

Presented the MVP prototype to product, tech, and legal teams.

Validated design choices with UX research and legal guidelines to ensure compliance and efficiency.

Received full approval for development.

Takeaways

Takeaways

Take Initiative: In a fast-changing environment, I independently drove the project forward, earning recognition from leadership.

Data-Driven Design: Extensive user feedback reduced the need for significant revisions, ensuring a well-vetted final product.

John Castle