DARNELL WILSON

Product management and go-to-market work in payments, fintech, and travel. Two self-directed case studies I can defend in the room: an Apple Card issuer migration for 12 million cardholders, priced end to end with the Apple Wallet screen a cardholder would see, and the Visa and Mastercard settlement reshaping card acceptance and who it affects.

• $5,000 WGU Texas Trailblazer Scholarship
• $5,000 Chime Scholars Foundation Scholarship
• Coursework: Innovative and Strategic Thinking, Business Simulation, Concepts in Marketing and Customer Contact

Product Management: Product Strategy, Business Cases, Product Requirements and Specs, Pricing and Rewards Architecture, Acquisition Offer Design, Roadmap and Prioritization, Go-To-Market Planning, Audience-Adapted Messaging

Market Research and Analysis: Competitive Benchmarking, Market Sizing, Segmentation and Personas, Positioning and Messaging, Unit Economics, Scenario and Sensitivity Modeling, Interchange Economics

Credit Compliance and Partnerships: Credit Policy and Underwriting, Risk Scoring, Regulation B and Adverse Action, Antitrust and Litigation Analysis, Partnership and Deal Economics, Retention and Lifecycle Design

Customer Experience: Voice of Customer, Satisfaction Measurement, Support at Scale, Customer Interviews

Collaboration: Cross-Functional Teams, Cross-Cultural Communication, Executive Briefings, Product Demos

AI Tools: Lovable, Claude, Claude Design, Gemini, Google AI Studio, Google Colab, Perplexity

Creative Tools: Final Cut Pro, Canva, Loom, Pixelmator Pro, Figma

• Designed a three-outcome migration for the announced Goldman Sachs to JPMorgan Chase transfer of roughly 12 million Apple Card accounts, replacing the usual approve-or-decline split with a routed alternative so cardholders who miss the bar keep an open credit history. Modeled across 100,000 accounts in 10 waves: $100.34M issuer net present value over 36 months, payback in month 5, and still profitable under a 300 basis point, or three percentage point, charge-off stress.
• Built an interactive product demo in Claude Design, pairing the underwriting console a credit reviewer would use with the Apple Wallet offer screen a cardholder would see. It runs the scoring engine live across 5 applicant cases covering every decision path, ranks decline reasons by their actual contribution, and states what would have to change to qualify.

• Read the court order, the settlement agreement as filed with both networks' SEC disclosures, and the quarterly filings, rather than the press coverage, and found the durable change in 21 years of litigation is acceptance rights with no expiry, not the $38B headline rate cut that runs 5 years.
• Traced the fee through to the rewards it funds, establishing that the 1.25% cap reaches only the entry-level tier while premium rates are merely frozen for 5 years, leaving the tiers that fund travel and cash back rewards untouched.

• Support 95,000+ active users across 9 core platforms, resolve interface issues through TeamDynamix, and contribute to the shared technical documentation the team works from.
• Manage an open-access computer lab and Apple device checkout, deliver one-on-one tech support and walkthroughs across 3,000+ monthly visits, holding a 99% CSAT score across students, faculty, and staff.