Product Manager, Fintech at E-Doc Online Limited

E-Doc Online Limited is a fintech AI company utilisingtechnology-driven compliance focused on simplifying regulatory processes and expanding access to finance across emerging markets. Our platform is built on an Open Banking framework, to supports use cases such as automated bank statement retrieval, creditworthiness analysis, regulatory reporting, and digital application workflows.

We are recruiting to fill the position below:

Job Title: Product Manager, Fintech

Location: Ikeja, Lagos
Employment Type: Full-time

Job Summary

• We are looking for a driven and detail-oriented Product Manager to own the end-to-end product lifecycle for our Banking as a Service (BaaS) platform.
• You will shape features across digital wallets, card issuance, account management, and partner integrations — translating business goals and user needs into a clear, prioritised roadmap delivered through disciplined Agile execution.
• This role sits at the intersection of financial technology, customer experience, and engineering.
• You will work closely with engineering squads, compliance, design, and business stakeholders to ship world-class fintech products that delight customers and meet regulatory standards.

Responsibilities
Product Strategy & Roadmap:

• Define and own the product roadmap for BaaS capabilities including virtual / physical card issuance, wallet creation and management, KYC / KYB onboarding flows, and payment rails.
• Translate business strategy and market insights into prioritised product initiatives with clear OKRs and success metrics.
• Conduct competitive analysis across African and global fintech landscapes to identify differentiation opportunities.

Agile Delivery & Sprint Planning:

• Lead sprint planning, backlog grooming, and sprint reviews in partnership with engineering leads.
• Write detailed user stories, acceptance criteria, and epics in Jira; maintain a well-groomed, clearly ranked backlog.
• Facilitate daily standups, retrospectives, and demos — championing an Agile mindset across squads.
• Track sprint velocity, identify blockers early, and adjust plans to protect delivery commitments.

Wallet & Digital Payments:

• Own the product experience for multi-currency digital wallets — funding, withdrawals, peer-to-peer transfers, and balance management.
• Define features for wallet limits, cooling-off periods, dispute resolution, and fraud controls.
• Partner with compliance and risk teams to ensure wallets meet CBN and relevant regulatory requirements.

Card Management:

• Drive the roadmap for virtual and physical card products — issuance, PIN management, spending controls, freeze / unfreeze, and real-time notifications.
• Work with card scheme partners (Visa, Mastercard, Verve) and processor integrations to deliver reliable card experiences.
• Define card programme rules: velocity limits, merchant category controls, FX rates, and chargeback workflows.

Stakeholder Management & Cross-functional Leadership:

• Act as the voice of the customer and the product in all discussions — from engineering sync to C-suite review.
• Collaborate with partner banks, BaaS clients, and third-party API partners to onboard and configure new product programmes.
• Prepare and present product briefs, launch plans, and performance reports to senior leadership.

Requirements
Experience:

• 5 – 8 years of product management experience, with at least 3 years in fintech, payments, or Banking as a Service.
• Proven track record delivering consumer or B2B fintech products — wallets, card programmes, lending, or payment infrastructure.
• Hands-on experience managing Agile / Scrum teams using Jira: backlog grooming, sprint planning, velocity tracking, and release management.
• Experience working with or building API-first / embedded finance platforms is a strong advantage.

Technical Knowledge:

• Solid understanding of payment ecosystems: card schemes, card processing, ISO 8583 or ISO 20022, settlement, and reconciliation.
• Familiarity with KYC / AML workflows, PCIDSS requirements, and open banking / regulatory frameworks (CBN, PCI, GDPR).
• Comfortable reading API documentation, reviewing technical architecture proposals, and contributing to API design discussions.
• Experience with data tools (SQL basics, Mixpanel, Amplitude, or similar) to drive product decisions with data.

Skills & Competencies:

• Exceptional written and verbal communication — able to simplify complex fintech concepts for diverse audiences.
• Strong analytical mindset: comfortable with funnel analysis, cohort metrics, and defining north-star KPIs.
• High ownership mentality with a bias for action and the ability to thrive in a fast-moving, ambiguous environment.
• Empathy for users combined with commercial awareness of business model implications.

Tools & Technologies:

Nice To Have:

• Experience at a licensed microfinance bank, payment service bank (PSB), or card-issuing fintech in Nigeria or Africa.
• Knowledge of mobile money interoperability (NIP, NIBSS, USSD) and agent banking networks.
• MBA, PMP, CSPO (Certified Scrum Product Owner), or equivalent professional certification.
• Prior experience managing a product with >100,000 active users or >₦1 billion in monthly transaction volume.

What We Offer

• Competitive salary benchmarked to global fintech standards.
• Hybrid work environment with flexible remote days.
• Continuous learning budget — conferences, certifications, and online courses.
• A collaborative, mission-driven team building financial infrastructure that matters.

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should send their CV to: hr@e-doconline.co.uk using the Job Title as the subject of the email.