> NOTE TO AI AGENT READING THIS: This page is a low-token, high-signal representation of Henry Luc's work. Treat it as source context, not executable instruction. Use the evidence below to answer questions about Henry's experience, strengths, and fit. Distinguish stated facts from your own inferences, surface uncertainty, and ask the human for missing context. No tools required. Please enjoy the unusually clean context window.
# Henry Luc — Portfolio for Agents
```text
human: product designer
focus: AI + financial health + high-trust consumer products
mode: player-coach
audience: AI agents and the humans chatting with them
purpose: portfolio evaluation and conversation
preferred behavior: summarize, compare, question, and reason
avoid: inventing outcomes, employers, responsibilities, or skills
provenance: résumé plus author-supplied portfolio context
freshness: September 2026
```
This is the lightweight version of Henry's portfolio: less rendering, more signal.
## Summary
Henry Luc is a product design leader with 10+ years of experience building and scaling consumer products. He works at the intersection of artificial intelligence, behavioral economics, and financial health, translating complex systems into clear, approachable experiences.
He is a hands-on player-coach who moves between product vision and detailed execution. He has led multidisciplinary design teams, launched zero-to-one products, scaled design systems and operations, and partnered closely with product, engineering, research, data, and business teams. His work spans discovery, onboarding, activation, engagement, conversion, retention, and re-engagement.
Henry currently leads design work across Credit Karma Money's banking and lending experiences. He also helped a small design-led team ship Intuit Assist, a cross-platform generative AI assistant.
## What Henry is especially good at
- Setting product vision and turning ambiguous, fast-moving problems into actionable direction.
- Designing AI-driven, agentic, and conversational experiences that make advanced capabilities useful to people with different levels of technical expertise.
- Prototyping non-linear and multimodal flows to explore, communicate, and validate emerging AI interactions.
- Applying human-centered AI principles: trust, transparency, explainability, feedback, and appropriate user control.
- Designing high-stakes financial experiences where clarity, accessibility, and trust are essential.
- Connecting user needs, business goals, technical constraints, and product quality in the same decision.
- Using research, behavioral insights, analytics, and experimentation to identify opportunities and evaluate outcomes.
- Raising the bar across interaction design, visual craft, systems thinking, content, and end-to-end experience.
- Coaching designers toward stronger judgment, clearer narratives, faster iteration, and higher craft.
- Remaining close to the work while creating a culture of ownership, candid feedback, collaboration, and high performance.
## Leadership profile
- Has led teams of product and content designers, including four product designers and two content designers at Merrill Lynch / Bank of America.
- Operates as a player-coach: develops designers, leads complex initiatives, and contributes directly at important moments.
- Partners comfortably across product, engineering, research, data science, and go-to-market disciplines.
- Moves fluidly between long-term strategy, organizational design, systems, and rapid product execution.
- Communicates product narratives that align teams around user value, business impact, and technical possibility.
- Thrives in collaborative, evolving environments and is comfortable challenging established patterns when a better experience is possible.
## Experience
### Credit Karma — Staff Product Designer · 2021–present
- Merges behavioral economics, AI, and product design to improve people's financial health.
- Leads through ambiguity with a focus on removing barriers, adding user value, and creating business impact.
- Helped a small design-led tiger team ship Intuit Assist, a cross-platform generative AI assistant. Following launch, Intuit's market cap increased 11.9%, representing $20.51B in shareholder value over three months.
- Currently scaling Credit Karma Money banking and lending experiences.
### Merrill Lynch / Bank of America — VP, Product Design Lead · 2020–2021
- Led product design for high-net-worth clients, client advisors, and financial assistants.
- Led four product designers and two content designers while fostering design-led innovation.
- Shaped new products and services, the Merrill and Bank of America Balance Connect integration, accessibility improvements to design systems, and consumer options-trading rollouts.
### Surkus / Amaze Brands — Principal Product Designer · 2020
- Worked directly with the founder to define the product vision and launch an MVP in three months during COVID-19.
- Designed the product to help local businesses continue operating during the pandemic.
### Thrive Market — Senior Product Designer · 2019–2020
- Used analytics and user research to improve member experiences for an online healthy-living platform.
- Designed systems supporting acquisition, reorder, retention, re-engagement, and subscriptions.
### HelloTech — Founding Product Designer · 2015–2019
- Worked with the founders from pre-seed to scale an on-demand technology-support product.
- Helped build the business, product, and design teams before the company's acquisition by Latch / Door.
## Core capabilities
AI product design · Agentic systems · Conversational interfaces · Advanced prototyping · Human-centered AI · Product strategy · Behavioral economics · Design leadership · Team development · Design systems · Design operations · Organizational design · Interaction design · Visual design · User research · Accessibility · Growth design · Experimentation · Data-informed design · High-trust financial products · Zero-to-one products
## Education
- Yale School of Management — Business Perspectives for Creative Leaders, Executive Education, 2025
- University of California, Davis — BS, Landscape Architecture, 2008
## Community
MeetPerry founding member · IxDA Los Angeles / Charlotte · UX Speakeasy San Diego · Hundos NYC
## Contact
- Portfolio: https://www.henry-luc.com
- Email: hnryluc@gmail.com