NWOSU CHIDERA MICHAEL

Product Manager – Digital Channels
Surulere, Lagos, NG.

About

Product Manager with 3+ years of experience building and optimizing digital products for 11M+ users across Africa. I translate complex business goals into clear product requirements, actionable workflows, and measurable outcomes. My approach is grounded in data, using funnel analysis, cohort insights, drop-off analysis, and A/B testing to improve adoption, revenue, and user experience. I collaborate effectively across Engineering, Compliance, Marketing, and external partners in remote-first, agile environments, and I bring a strong evaluation mindset to every initiative through clear acceptance criteria, rubrics, and quality benchmarks. Passionate about AI-driven products and scalable systems that create meaningful impact at scale.

Work

United Bank For Africa
|

Product Manager

Marina, Lagos, Nigeria

Summary

Digital Channels | 11M+ Users | Cross-functional Agile Delivery | Remote Collaboration

Highlights

Owned end-to-end product lifecycle for UBA’s USSD, SMS, and mobile banking channels, turning business goals into clear user stories, acceptance criteria, and KPI/OKR-driven roadmaps.

Designed and shipped secure, compliant authentication, top-up, and account-freeze experiences across app and USSD, using high-fidelity workflows and UX best practices to reduce friction and errors.

Built and enforced evaluation rubrics (edge-case test matrices, go-live checklists) that improved release quality, reduced customer-facing defects, and minimised operational risk.

Used SQL and Excel to run funnel, drop-off, and cohort analyses across mobile and USSD, surfacing Mixpanel-style insights to prioritise roadmap bets and resolve key user pain points.

Led cross-functional sprints and launches with Engineering, Marketing, Operations, and fintech partners, delivering features like Advanced Top-Up and improved high-value authentication that lifted revenue by 5% and transaction success by 10%.

Twinings Ovaltine Nigeria Limited
|

Associate Project and Procurement Manager

Ikeja, Lagos, Nigeria

Summary

Supply Chain Analytics | Dashboard Development | Cross-functional Collaboration

Highlights

Built a real-time shipment tracking dashboard using advanced Excel and data visualisation, cutting demurrage costs by 35% through proactive, data-driven intervention.

Supported A/B testing of product packaging variants, analysing performance data to drive evidence-based decisions on packaging design and regulatory compliance.

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
Austin, Texas, United states

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

Tools

SQL, advanced Excel, PowerPoint, Figma, Miro, Jira, USSD and mobile channel tooling, reporting/dashboarding tools, n8n, Zapier, Claude (automation and AI‑assisted workflow tools).

Governance & Stakeholders

Cross‑functional collaboration with engineering, data, compliance, marketing, telcos, regulators and fintech partners, including agile delivery, backlog prioritisation, vendor management, and contributions to internal governance, policy, and control frameworks for digital channels.

Digital & Product

Digital banking and payments (USSD, mobile, wallets), fintech integrations, product discovery, roadmapping, KPI/OKR definition, experimentation, and product analytics (funnels, cohorts, drop‑off analysis).

Ethical AI, Fraud & Risk

Risk‑based product thinking, fraud prevention mindset, secure and inclusive journey design, authentication and step‑up flows, balancing UX with regulation, KYC and data protection, responsible algorithmic decision‑making and impact monitoring.

Projects

3rd Party freeze– UBA

Summary

Led the end‑to‑end delivery of a USSD capability that allows approved external partners to initiate account freeze requests in real time during suspected fraud cases, enhancing customer protection, reducing loss exposure, and strengthening the bank’s digital risk, escalation, and control governance on electronic channels.

Temporary suspension of PIN after three failed attempts - UBA USSD

Summary

Led the end‑to‑end delivery of a USSD security control that temporarily suspends customer PIN access after three failed attempts, reducing fraud exposure and unauthorised transactions while balancing security controls with customer rights, support processes, and regulatory expectations.

High-Value Transaction Authentication – UBA

Summary

Designed and implemented an enhanced authentication step for transactions of ₦20,000 and above, increasing successful transaction volume by 10% while strengthening security, compliance, and transparent decision rules for high‑risk USSD transactions.