Product Case Study

Monthly Installments on Major Retailer Credit Card

Shipped installment feature for major US retailer; integrated into card servicing platform.

Product Case Study

Monthly Installments on Major Retailer Credit Card

Shipped installment feature for major US retailer; integrated into card servicing platform.

Product Case Study

Monthly Installments on Major Retailer Credit Card

Shipped installment feature for major US retailer; integrated into card servicing platform.

“This project was heavy—Kate helped us stay light without losing focus.”

Biz/Org

Goldman Sachs

Year

2018 - 2019

Fintech

Infrastructure

Product Overview

Apple wanted to offer interest-free installment payments for big-ticket device purchases through the Apple Card. I joined as an embedded product manager and coach, supporting the backend team through build, test, and launch—helping Goldman Sachs and Pivotal engineers deliver secure, scalable services behind a flagship financial feature.

  • Delivered backend APIs to support Apple Card Monthly Installments across device types

  • Defined and validated service behaviors using Postman and user flow walkthroughs

  • Coached engineering teams on user-centered delivery and fast feedback loops

  • Strengthened collaboration between Goldman Sachs, Mastercard, and Apple teams

  • Brought levity and cohesion to a secretive, high-stakes project (including a custom launch trivia game!)

Product Goals

How might we build installment services that meet the rigor of financial compliance—and still feel as seamless as Apple?

This wasn’t just a backend build—it was a cross-institutional dance between UX expectations, legal obligations, and service scalability. My goal was to make sure the backend team could ship confidently in this high-pressure environment, with clarity, alignment, and space for human collaboration.

  • Prioritized lean service architecture with adaptability for future devices and terms

  • Advocated for clear service outcomes over technical output

  • Supported rapid testing cycles that didn’t compromise on compliance

  • Embedded product coaching and process support into daily team rituals

Challenges

  • Coordinating with multiple external stakeholders (Apple, Goldman Sachs, Mastercard) under strict NDAs

  • Delivering within high-stakes security and compliance requirements

  • Navigating shifting priorities across backend services, device timelines, and UX dependencies

  • Maintaining team morale on a tight, secretive, and highly scrutinized initiative


Solutions

  • Developed clear validation and alignment strategies using API specs and testing protocols

  • Led backend delivery planning using service maps and outcome-first user stories

  • Provided embedded coaching and async rituals to support team velocity

  • Introduced a balance of structure and play to keep energy high under pressure

Outcome & Impact

  • Contributed to a flagship feature that increased device sales and Apple Card adoption

  • Helped Goldman Sachs adopt faster, more user-focused delivery rhythms

  • Created a collaborative and resilient team culture during a confidential, high-pressure engagement