product-manager

Multigate is a financial technology company focused on providing solutions that cut across payments acquisition, processing and remittance as well as treasury and cash management for domestic and international corporates. 

Our vision is to be the number one preferred choice in global payment processing for underserved and unique clients. 

Since inception, Multigate has processed millions of payment transactions, experienced significant growth in revenue with a steady increase in client base.

Our growth strategy is hinged on our ability to create innovative products that are responsive to the market needs, and providing technology solutions that solves financial-related challenges of enterprise organisations.

Products 
BoltPay: is an enhanced card payment collection solution that provides corporates with the opportunity to securely receive payments and increase revenue 

BoltSend: BoltSend enables instant cross-border funds transfer for banks and other financial institution that are in the business of international remittance. 

OmniVue: OmniVue is a treasury and cash management solution that offers corporate clients the unique ability to have real-time insights into their account balances across different banks and execute seamless transactions from a single portal

Locations: Dubai, Nigeria, Kenya, Ghana, Uganda, Tanzania

Multigate

• Drive the development and enhancement of modules within the Treasury & Trade OS
• Translate strategic priorities into actionable product requirements
• Write clear PRDs, user stories, and acceptance criteria
• Prioritise and manage backlog effectively
• Lead sprint planning and release coordination
• Work across modules (Treasury, FX, Payments, Trade Finance, and Supply Chain Finance)
• Ensure feature alignment and avoid workflow fragmentation
• Support integration consistency across the OS
• Understand treasury, trade, and finance team workflows
• Convert operational needs into intuitive product flows
• Support configuration logic for multi-entity, multi-bank environments
• Collaborate with the Compliance Division to ensure product updates meet regulatory standards
• Embed control logic into feature design
• Monitor feature adoption and usage
• Track release velocity and predictability
• Identify bottlenecks and improve execution efficiency

Product Manager – FX, Treasury, Banking Solutions

Product Manager in a fintech company enhancing treasury and cross-border payment solutions. Driving product vision, strategy, and execution in Lagos, Nigeria.

Renmoney is a digital banking platform that offers financial solutions such as loans, savings, and payments to consumers in Nigeria. With over ten years of experience, the company specializes in providing convenient loans and high-interest savings options to under-banked individuals, facilitating easy access to financial services through its user-friendly app. Renmoney is licensed and regulated by the Central Bank of Nigeria and aims to empower users by making their money work harder for them while ensuring a seamless banking experience.

At Renmoney, we believe finance should be simple, useful and accessible to everyone. 

That’s what makes us really passionate about leveraging data driven insights to help us understand you better and build useful financial products for your personal and business needs - like convenient loans to help you do more today, savings to keep you on track for your goals and investments that’ll generate more money for you.

We run a hybrid work model with some of our employees working fully remote and others working remotely and coming into the office a few times a week.

Renmoney

Product Strategy & Ownership

- Own the end-to-end strategy for Renmoney’s savings products, including:

- Everyday savings accounts
- Fixed or term deposits
- Structured and goal-based savings products
- Future diaspora savings offerings

- Translate Renmoney’s 2025–2027 long-term business strategy into a clear product roadmap for savings.
- Ensure savings products support:

- Deposit growth
- Lower funding costs
- Healthy balance between short-term and long-term funds

- Define product value propositions for different customer groups such as individual retail customers, small and medium-sized businesses, and Nigerians in the diaspora.

**Balance Sheet & Commercial Performance**

- Work closely with the Finance and Treasury teams to:

- Improve the mix between on-demand savings (money customers can withdraw anytime) and fixed deposits (money locked for a specific period)
- Reduce the Cost of Funds (COF), which means how much the bank pays customers for deposits
- Model how pricing, interest rates, and savings tenors affect profitability and liquidity

- Own key savings performance metrics, including:

- Total deposits and monthly net inflows
- Average balance per customer
- Cost of Funds (interest paid on deposits)
- Customer retention and churn (how many customers stay or leave)

**Execution & Delivery**

- Lead cross-functional execution with:

- Engineering (software development)
- Design (user experience and interface)
- Risk Management
- Compliance (regulatory adherence)
- Operations and Customer Support
- Marketing and Growth teams

- Write Product Requirement Documents (PRDs) that clearly describe what is being built and why.
- Prioritize features and initiatives based on customer value, risk, effort, and business impact.
- Ensure savings features are reliable, scalable, compliant with regulations, and easy for customers to use.

**Governance, Risk & Compliance**

- Represent savings products in the Product Governance Council (PGC), which is the internal committee that reviews, approves, and governs all product changes.
- Participate in Asset and Liability Committee (ALCO) sessions, where senior leaders manage:

- Liquidity (availability of cash)
- Interest rate risk
- Funding strategy

- Ensure savings products comply with:

- Central Bank of Nigeria (CBN) regulations
- Nigeria Data Protection Regulation (NDPR), which governs customer data privacy
- Internal audit, risk, and control frameworks

- Proactively identify risks, trade-offs, and dependencies before they become issues.

**Customer Experience & Growth**

- Improve savings adoption through:

- Simple and clear onboarding
- Smooth funding and withdrawal experiences
- Transparent communication of interest, penalties, and terms

- Use savings as a foundation to cross-sell other products such as loans and payments.
- Work with the Analytics team to understand customer behavior and lifetime value.


Senior Product Manager – Savings Products

Senior Product Manager overseeing savings product strategy for Renmoney, a modern Nigerian digital bank. Managing product performance and cross-functional collaboration.

• Own the **end-to-end product strategy** for all bill payment and transfer products, including:

• Airtime and mobile data purchases
• Utility bill payments (electricity, cable television, internet, etc.)
• Bank-to-bank transfers

• Translate Renmoney’s **long-term digital banking strategy** into a clear roadmap for payments.
• Define how payments support:

• Daily customer engagement
• Deposit inflows and account usage
• Cross-sell into savings and lending products

• Define value propositions for different customer segments, including retail customers and small business users.

• Own key performance indicators for payments, including:

• Transaction volumes and values
• Success and failure rates
• Revenue from fees or commissions
• Cost per transaction

• Work closely with Finance to:

• Optimize transaction pricing and incentives
• Manage partner costs and margins
• Track the impact of payments on deposit balances

• Identify opportunities to improve unit economics without degrading customer experience.

• Lead cross-functional delivery with:

• Engineering teams building mobile, web, and backend systems
• Design teams responsible for user experience
• Operations and Customer Support teams handling exceptions and disputes

• Write clear **Product Requirement Documents**, which describe what is being built, why it matters, and how success will be measured.
• Prioritize initiatives based on customer impact, reliability, compliance, effort, and business value.
• Ensure payment and transfer flows are fast, intuitive, and resilient, even during peak usage periods.

• Ensure payments products meet regulatory and operational requirements, including:

• Rules set by the **Central Bank of Nigeria**, which regulates banking and payment services
• Requirements from the **Nigeria Inter-Bank Settlement System**, which operates national payment infrastructure
• Data privacy rules under the **Nigeria Data Protection Regulation**

• Partner with Risk and Compliance teams to manage:

• Fraud risks
• Transaction disputes and reversals
• Customer protection and error handling

• Represent payments initiatives in the **Product Governance Council**, which approves and oversees all product changes.

• Own product relationships with external partners such as:

• Payment processors
• Utility service providers
• Telecommunications companies

• Define service-level expectations, which set standards for uptime, response times, and issue resolution.
• Work with Legal, Procurement, and Operations to ensure partner integrations are scalable and compliant.

• Improve adoption and repeat usage of bill payments and transfers through:

• Simple onboarding and clear user flows
• Transparent pricing and confirmations
• Fast issue resolution when transactions fail

• Use payments as a driver of daily engagement that increases:

• Account funding
• Customer lifetime value

• Work with Analytics teams to understand usage patterns and identify growth opportunities.

Product Manager – Bills Payment

Product Manager owning end-to-end strategy for payment solutions at Renmoney, focusing on bill payments and transfers.

Verto is a French Growth Equity investor specializing in profitable and fast-growing tech and healthcare small and medium-sized enterprises (SMEs). With over 50 years of combined experience, Verto focuses on investments ranging from €15m to €60m, taking a flexible approach to majority or significant minority transactions. They provide tailored operational support to drive value creation for their portfolio companies in both technology and healthcare sectors.

Verto (ex. NewAlpha Verto) is dedicated to supporting profitable, fast-growing SMEs in the Tech and Healthcare industries, with the objective to help them accelerate their operational growth and turn them into international mid-cap companies.

Verto

• Develop and execute the long-term product strategy for Verto’s core payments infrastructure and global network expansion.
• Lead the end-to-end integration of new global payment rails (e.g., SWIFT, SEPA, local ACH networks) and banking partners, from initial due diligence to technical implementation and launch.
• Conduct in-depth analysis of new markets, payment technologies, and regulatory landscapes to build compelling business cases and prioritize our geographic and network expansion initiatives.
• Mentor a team of product managers and analysts focused on the infrastructure domain, fostering a culture of excellence and deep domain expertise.
• Act as the key product liaison between Verto and its external financial partners, including banks, payment processors, and liquidity providers.
• Partner closely with senior engineering and architecture leads to design scalable, resilient, and secure infrastructure that can support our future growth and product ambitions.

Senior Product Manager, Expansion

Senior Product Manager leading product strategy for Verto's payment infrastructure. Focused on cross-border payments in emerging markets with a strong emphasis on mentorship and scaling solutions.

Kuda is a digital banking platform designed to provide seamless and free financial services primarily for Africans. The app facilitates free transfers, cashless payment options, and interest-earning on savings. Kuda offers features such as bill payment, gift card purchasing, and budgeting tools. It provides users with a Kuda debit card for online and offline transactions, offering a simple solution for managing finances. The platform also supports businesses with tools like POS systems, invoicing, payroll, and business loans. Licensed under various financial authorities, Kuda expands its services across Nigeria, the UK, Canada, and soon Uganda, aiming to offer convenient banking with transparency and customer-focused solutions.

Kuda is a fintech company on a mission to make financial services more accessible, affordable and rewarding for every African on the planet.

We've built the money app for Africans around the world, giving them a better alternative to traditional finance by delivering services including free money transfers, smart budgeting, investments and instant access to credit through digital devices.

Kuda

• Take ownership of the fraud prevention roadmap, working closely with the team to deliver features that enhance the platform’s security and reduce fraudulent activity.
• Collaborate with internal teams to define product requirements and ensure compliance with regulatory standards related to fraud detection and prevention.
• Monitor fraud-related metrics and OKRs, and use these insights to inform product decisions and improvements.
• Develop and enhance fraud prevention features, such as transaction monitoring, anomaly detection, and account verification.
• Collaborate with the Credit, Compliance, and Engineering teams to implement fraud detection models and solutions that balance security with user experience.
• Run and analyze A/B tests to evaluate the effectiveness of fraud prevention measures.
• Prioritize product features and improvements to mitigate fraud risks while maintaining a smooth user experience.
• Coordinate the development of features with cross-functional teams, ensuring timely delivery and high-quality execution.

Product Manager

Product Manager focusing on strategy and development of fraud prevention features at Kuda. Collaborating with cross-functional teams to enhance security and reduce fraudulent activity.

Hybrid Product Managers roles in Nigeria

Browse 5 hybrid product managers roles hiring in Nigeria plus related opportunities such as product owner and technical product manager.

5 jobs found

Product Manager – FX, Treasury, Banking Solutions

Multigate

Senior Product Manager – Savings Products

Renmoney

Product Manager – Bills Payment

Renmoney

Senior Product Manager, Expansion

Verto

Product Manager

Kuda