NWOSU CHIDERA MICHAEL

Product Manager
Surulere, Lagos, NG.

About

Product Manager with proven experience building and optimizing digital banking products at scale for 11M+ users across Africa. Expertise in payments, mobile channels (USSD/SMS), and fintech integrations, combining strong commercial awareness with technical execution. Skilled at translating business goals into product roadmaps, defining flows for top-ups, authentication, and settlements, and delivering data-driven growth while ensuring regulatory and compliance alignment. Passionate about building seamless, trustworthy financial and merchant experiences in emerging markets.

Work

United Bank For Africa
|

Product Manager

Marina, Lagos, Nigeria

Summary

Own end-to-end product lifecycle for UBA’s USSD and SMS banking platforms serving over 11 million users across key African markets.

Highlights

Translated business goals into user stories, acceptance criteria, and product roadmaps aligned with revenue growth and customer experience metrics.

Launched an enhanced authentication logic for high-value transactions, improving conversion rates and reducing transaction drop-offs by double digits.

Launched Advanced Top-Up features on USSD (airtime and data credit purchases) with appropriate transaction limits and checks, generating a 5% revenue increase while maintaining a secure, low-friction experience.

Supervised cut-over of end-user billing to telcos, defining test cases, validating edge scenarios, and coordinating go-live to prevent incorrect charges and minimise operational risk.

Partnered with fintechs and aggregators to integrate third-party services, aligning on technical, security, and compliance requirements to protect transaction integrity and customer data.

Led cross-functional sprint reviews, aligning engineering, marketing, and operations on delivery milestones, trade-offs, and go-live plans.

Twinings Ovaltine Nigeria Limited
|

Associate Project and Procurement Manager

Ikeja, Lagos, Nigeria

Summary

Managed inbound shipments and vendor relationships alongside the Country Head of Procurement, focusing on operational risk, cost exposure, and supply continuity.

Highlights

Reduced demurrage costs by 35% by building a real-time dashboard that tracked shipment timelines and flagged at-risk consignments, enabling proactive intervention and loss prevention.

Supported negotiations with local and international suppliers to secure better pricing and reliable delivery, reducing financial and operational risk in the supply chain.

Contributed to A/B testing of product packaging variants for the mother-and-child segment, using performance data to guide decisions on the most effective and compliant packaging.

Took part in the Tin-to-Jar packaging transition, coordinating timelines across production, inventory, and go-to-market to avoid stock-outs and regulatory issues.

Collaborated with marketing, regulatory, sales, and logistics teams to ensure compliant, on-time product availability nationwide.

Education

Nnamdi Azikiwe University
Awka, Anambra, Nigeria

Bachelor of Engineering

Electrical Engineering (Power and Machines)

Google, Coursera

Professional Certificate

Data Analytics

AltSchoolAfrica
Lagos, Lagos, Nigeria

Diploma

Product Management

Certificates

Workflow Specialist Certificate

Issued By

Asana

Product Analytics Certification

Issued By

Pendo

Technical Product Management

Issued By

Project Management Institute (LL)

Product Manager Blueprint Program

Issued By

ProductDive

Skills

Fraud & Risk

Fraud prevention mindset and risk-based product thinking, Secure transaction design for USSD and SMS banking journeys, Authentication flows and step-up verification for high-value transactions, Risk mitigation in digital channels and exposure reduction to unauthorised activity, Regulatory and KYC awareness, partnering with compliance teams in a Tier-1 bank..

Stakeholder & Delivery

Cross-functional collaboration with Engineering, Compliance, Marketing, and external fintech/aggregator partners, Working with regulatory stakeholders and telcos to ensure compliant, reliable services, Agile delivery, backlog prioritisation, user stories, and sprint planning, Vendor and partner management, including pricing and commercial optimisation..

Digital Technologies

USSD, Mobile Channels, Digital Payments, Fintech Integrations.

Product & Data

Product discovery, requirements definition, roadmap ownership, KPI/OKR definition and monitoring for revenue, adoption, risk outcomes, A/B testing, experimentation, hypothesis-driven decision-making, Product analytics (funnels, drop-off analysis, cohort insights) using SQL and Excel, Journey mapping, UX optimisation, and balancing security with customer experience..

Design & Collaboration Tools

SQL, Advanced Excel, PowerPoint, Figma, Miro, Jira, USSD and mobile channel tooling; reporting and dashboarding tools..

Projects

Auto Top Up Service - UBA

Summary

Leading the development of the 919 USSD Auto Top-Up service, enabling customers to set threshold balances and automatic top-up amounts, aimed at improving convenience, boosting engagement, and reducing service interruptions.

3rd Party freeze– UBA

Summary

Led delivery of a USSD feature that allows approved external partners to freeze account freeze requests to protect customers during suspected fraud cases.

Temporary suspension of PIN after three failed attempts - UBA USSD

Summary

Led the end to end delivery of a USSD security control that temporarily blocks customer PIN access after three failed entry attempts to reduce fraud exposure and unauthorized transactions.

High-Value Transaction Authentication – UBA

Summary

Introduced an improved authentication step for ₦20,000+ transactions. Increased transaction volume by 10% and strengthened security compliance.

NWOSU CHIDERA MICHAEL