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Year in Review
Rebuilding car finance for ClearScore's new marketplace
Pricing — 1440
The 30-second version
Role
Product Designer
Team
1 product designer, 1 product manager, 4 engineers, 1 EM
Timeline
3 months
Platform
Web & Mobile
Problem
Visitors compared plans in a table they had to scroll sideways, and many left without starting a trial.
+18%
trial starts
−22%
pricing bounce
0
new support tickets
SCOPE OF WORK
How might we design a new car finance offers experience?
The Year in Review (YIR) is a personalized campaign launched annually in December, inspired by Spotify Wrapped. It provides users with a retrospective of their financial progress throughout the year, with the goal of increasing engagement and reinforcing ClearScore’s value proposition before the new year.
For 2024, I sought to enhance personalization, incorporate Credit Health insights, and refine segment-based messaging while leveraging a new storyline component to create a seamless, interactive experience across platforms.
TLDR: WHAT PROBLEM DID WE SOLVE?
While the 2023 Year in Review campaign successfully engaged users, it had limitations:
❌ Users received generic insights rather than tailored financial progress reports. That year’s approach lacked interactivity, leading to drop-offs due to static experience.
❌ With limited tracking & optimization, there was no better data on user behavior to refine future iterations.
With designs created for the 2024 product experience, a good performance was achieved from the campaign.
RESEARCH AND STRATEGY
I started with an in-depth analysis of the previous year's performance, user behaviours, and competitor benchmarks (e.g., Spotify’s annual wrapped, Duolingo yearly streaks). With these insights, a structure was created for the campaign around key credit behaviours, milestones, and personalized recommendations.
Step 1: Understand what went wrong
I started with the funnel data in Amplitude. The numbers were clear: engagement was highest at the start and dropped sharply through the middle. Users weren't finishing. The experience was static, the insights were generic, and there was no way to tell who was engaged and who had already checked out. That data became the brief.
The previous year's journey map
1600 × 1000
The previous year's journey map
1600 × 1000
Step 2: Study what works
From the car finance picker, people take one of four routes: hire purchase, PCP, switching a car loan, or financing a final PCP payment. Each has its own questions and its own offers, and needed to stay clear from the first choice to the offers at the end.
Product picker screen
1600 × 1000
Step 3: Map the opportunity
I ran a Miro mapping session with the product, content design, and marketing team to align on what we could build. The engineers did a spike to understand what data we could actually surface in the flow.
This is where we hit a real constraint: several insights we wanted to show hadn't been captured from users' accounts. Rather than delay, we designed around what we had and flagged the gaps for earlier tracking in 2025.
Product picker screen
1600 × 1000
THE DESIGN DECISIONS THAT MATTERED
Leveraging ClearScore’s design system, I created bold, interactive cards highlighting key financial milestones. Smooth micro interactions and swipeable transitions for a frictionless journey. I also designed a progressive, logical flow encouraging users to complete the experience. The ClearScore beloved mascot, "Moose the dog" was introduced into the flow for a fun engagement.
◆ Multi-platform consistency
The experience was designed and shipped across iOS, Android, and web. The web version used a large storyline component that users could swipe through. Maintaining visual and tonal consistency across all three surfaces, while accounting for different interaction patterns, was one of the more technically demanding aspects of the project.
Hire Purchase (HP)
1600 × 1000
◆ The swipe mechanic and progressive disclosure
Rather than presenting all information at once, I designed a progressive flow that revealed one milestone at a time. Each swipe felt earned. The ClearScore mascot, Moose the dog, was introduced to add warmth and give users something to smile at before a potentially difficult piece of information.
Hire Purchase (HP)
1600 × 1000
◆ Segment-based storytelling
The most important design decision was treating the three user segments — positive, struggling, and average — as three completely different emotional journeys, not three versions of the same screen.
For users whose scores improved, the tone was celebratory. For users who had missed payments or seen their score drop, empathy came first. The messaging didn't shy away from the difficulty, but it always ended with what was possible next. I worked closely with the content designer to ensure every slide felt human, not clinical.
Hire Purchase (HP)
1600 × 1000
RESULTS AND IMPACT
As the campaign went live, we watched the first wave of users enter their Year in Review stories.
TAKEAWAYS
Keeping the logic fixed made the design measurable. Because the journeys worked exactly as before, the gains in offer clicks and revenue per offer viewer came from the new experience alone.
Rolling out in stages is how you catch problems early. The drop in people reaching their offers showed up partway through the rollout and was recovered before everyone was moved over.
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