Senior Product Lead

Olayinka Obadina

I build payment and banking products for agents, merchants and everyday customers, and tie every feature to the revenue it moves.

Payments · Agency banking · Digital banking · Financial inclusion

View My Work Contact Me
Providus BankStanbic IBTCMTN NigeriaPwC NigeriaCentral Bank of NigeriaZenith BankVFD Microfinance Bank

About Me

I'm a Senior Product Lead building payment and financial inclusion products: agent banking apps, POS, merchant checkout, mobile banking, remittance and fraud controls. I start from the real constraint the customer faces, write the requirement that solves it, and tie every feature to the budget line and revenue it moves. Years of delivery leadership behind me mean my products get built, launched and adopted, not just specified.

  • Product strategy and roadmaps
  • Requirements engineers can build from
  • Prioritisation by revenue and demand
  • Discovery with agents, merchants and customers
  • Launch, adoption and reactivation
  • Compliance designed in

What I bring to product teams

Clear problem framing, requirements written around the real constraint, prioritisation backed by numbers, and the delivery discipline to get features live and used.

Now: Financial Inclusion

Product lead for the agent app, POS, USSD and merchant products serving 13,000+ businesses, plus the Public Sector product portfolio.

Banking: Providus

Product lead for mobile banking, digital account opening, inbound international transfers and fraud monitoring.

Banking: Stanbic IBTC

Product manager for the group customer platform and for pension and insurance automation.

Where I started: Tranter IT

Technical product and delivery work for the Central Bank of Nigeria, Zenith Bank and microfinance banks.

Selected Case Studies

Ten products showing how I find the real problem, decide what to build, and measure what it changed. Open any one for the full story.

Case Study · Roadmap

Financial Inclusion · 2026

Turning the roadmap into a revenue plan

Built the model that links every feature to the budget line it unlocks, the customer demand behind it and its revenue at impact, scored against the divisional target.

42features shipped in H1 2026, each scored against the target

  • Prioritisation
  • Revenue modelling
  • Roadmapping
Case Study · Growth

Financial Inclusion · 2026

Bringing dormant businesses back for a fraction of the cost

Designed and measured a reactivation programme that brought agents and merchants who had stopped transacting back onto the network.

₦207Mrecovered in one month, about 1,000x the cost

  • Reactivation
  • Cohort analysis
  • Lifecycle messaging
Case Study · Agent banking

Financial Inclusion · 2026

An agent app and POS that agents can trust

Shipped a set of agent facing improvements across the mobile app, POS terminals and the aggregator portal.

13,000+businesses on the network

  • In app notifications
  • Multiple wallets
  • Network checks
  • Aggregator portal
Case Study · Onboarding

Financial Inclusion · 2026

Agent assisted wallets and card sales, with the PIN kept private

Designed how agents open digital wallets for customers who cannot set up an app themselves, and sell them bank cards, without the agent ever handling the customer's PIN.

Phase 1flow agreed with Digital Banking and Cards

  • Tiered KYC
  • Assisted onboarding
  • Card distribution
Case Study · Payments

Financial Inclusion · 2026

Card disputes that don't depend on reaching a bank branch

Defined automated handling for failed card withdrawals where the customer was debited, no cash came out and no reversal followed.

T+1refund target, inside 24 hours

  • Disputes
  • Reversals
  • Requirements
Case Study · Merchant

Financial Inclusion · 2026

From one supermarket's queue to a checkout product any retailer can buy

Consolidated competing ideas from two divisions into one checkout solution, then rebuilt it as a merchant neutral offering.

9components in one integrated checkout offering

  • Dynamic QR
  • Soft POS
  • Contactless
  • Self checkout
Case Study · Digital banking

Providus Bank · 2024 to 2025

Mobile banking and digital account opening

Product owner for the bank's mobile banking app and digital account opening portal, inside the annual digital product roadmap I owned.

Annualdigital product roadmap owned end to end

  • Mobile app
  • Account opening
  • Agile releases
Case Study · Payments

Providus Bank · 2024 to 2025

Inbound international transfers, with compliance built in

Launched inward international money transfer so money sent from abroad lands directly in customers' accounts through transfer partners.

Newcross border channel for retail customers

  • Remittance
  • KYC and AML
  • Partner integration
Case Study · Risk

Providus Bank · 2024 to 2025

Fraud monitoring that stops losses, not good customers

Defined requirements and drove adoption of real time fraud monitoring and AML screening across the bank's digital channels.

60%fewer fraudulent transactions

  • Real time monitoring
  • Sanctions screening
  • AML
Case Study · Customer platform

Stanbic IBTC Group · 2022 to 2024

One view of the customer across the group

Product owner for the group customer relationship platform across service, sales, marketing and experience, inside a customer data and analytics programme.

4businesses sharing one customer record

  • Salesforce
  • Customer data
  • Cross sell

More Products

More products I have owned, defined or shaped, from identity checks to bank facing portals.

Financial Inclusion · 2026

Digital identity checks for onboarding

Replacing in person verification of new agents and customers with digital checks in near real time.

Digitalverification replacing site visits

Financial Inclusion · 2026

Central bank geotagging, designed around the agent

A location capture flow that met the rule without locking out agents who trade away from their first address.

Zerolive agents taken offline

Financial Inclusion · 2026

Health plans and telemedicine for agents

A value added service putting health cover and doctor access inside the agent app, with a health partner.

Newvalue added service for agents

Public Sector · 2026

A settlement report portal for partner banks

Self service settlement report downloads for banks on a government payments platform.

Approvedrequirements, now with technology

Financial Inclusion · 2026

Requirement standards and a product intake portal

The templates and the portal the division uses to take in, define and track every product request.

2requirement standards, now the reference

Stanbic IBTC Group · 2022 to 2024

Straight through pension account opening

Pension account opening and finance operations automated across three regulated businesses.

3regulated subsidiaries automated

PwC Nigeria · client MTN Nigeria · 2025

AI products into production at MTN

Governed the AI product portfolio, from Agent Assist to a multilingual voice bot, and the value reporting behind it.

8AI use cases in production

Tranter IT · client Central Bank of Nigeria · 2018 to 2022

An observability platform for the central bank

Event management and monitoring that spots problems across critical systems before they become outages.

95%+anomaly detection accuracy

Experience

From technical product work for regulators, to bank digital products, to leading products for a national agent and merchant network.

  1. 2026 to now

    Senior Product Lead

    Financial Inclusion

    Own product strategy and the roadmap for the agent app, POS, USSD and merchant channels, and the product side of the 2027 divisional revenue plan. Also lead the Public Sector product portfolio.

    • ₦36.7Bprocessed, H1 2026
    • 42features shipped, H1 2026
    • 13,000+businesses on the network

  2. 2025 to 2026

    Senior Programme Manager, Digital and Automation Portfolio

    PwC Nigeria, embedded at MTN Nigeria

    Governed MTN's AI and intelligent automation product portfolio, and built the investment cases and value reporting that turned portfolio reviews into funding decisions.

    • 8AI use cases live
    • ₦8.5B+value reported

  3. 2024 to 2025

    Product Lead, Digital Banking

    Providus Bank

    Owned the bank's annual digital product roadmap and acted as product owner for mobile banking, digital account opening, inbound international transfers and fraud monitoring.

    • 60%fewer fraudulent transactions
    • 90%process efficiency gain

  4. 2022 to 2024

    Product Manager

    Stanbic IBTC Group

    Product owner for the group customer relationship platform, and requirements for pension, insurance and asset management automation.

    • 4Salesforce clouds
    • 3regulated subsidiaries automated

  5. 2018 to 2022

    Technical Product and Delivery Manager

    Tranter IT Infrastructure Services

    Owned client roadmaps, scope and delivery for a central bank, tier one banks and microfinance banks, and worked hands on in the build.

    • 98%client satisfaction
    • 95%+anomaly detection accuracy
    • 70%faster deal closure

How I build products

  • Product strategy and roadmaps
  • Requirement documents and user stories
  • Prioritisation and backlog
  • Revenue modelling
  • Agent and merchant feedback loops
  • Pilot and production gates
  • Launch and adoption
  • Compliance by design

Tools

  • Jira
  • ClickUp
  • Figma
  • MS Project
  • Claude
  • ChatGPT
  • Microsoft Copilot

Education and learning

  • BSc Information Technology, Middlesex University Dubai
  • PMP, examination preparation
  • AI for Project Managers
  • Agile Project Leadership and Business Analysis

Building a payments or banking product that has to work in the real world?

I'm open to senior product leadership roles. Happy to walk through any of these case studies, the decisions behind them and what I would do differently.

obadinayinka@gmail.com
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