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Open nowPosted 251 days ago

Product Manager - Bills Payment

Workable (global search)108,016 open roles

Where
Lagos, LA, Nigeria
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Your applicationOpen nowProduct Manager - Bills PaymentWorkable (global search) · Lagos, LA, Nigeria

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The clock on this job

Early applications get read.

7.9% of postings close within 7 days. Measured by our own scanner across the market. Workable (global search) postings stay open a median of 7 days.

Share of postings closed within
  1. 1.6%1 day
  2. 3.6%3 days
  3. 7.9%7 days
  4. 14.9%14 days
  5. 34.0%30 days
This job: posted 251 days ago

Workable (global search) median: 7 days open

The posting

Product Strategy & Ownership

  • 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.

Payments Performance & Commercial Outcomes

  • 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.

Execution & Delivery

  • 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.

Reliability, Risk & Compliance

  • 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.

Partner & Ecosystem Management

  • 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.

Customer Experience & Growth

  • 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.

Requirements

  • 6–10+ years of Product Management experience
  • Direct experience with payments, transfers, or transaction-heavy digital products
  • Experience working in regulated financial or fintech environments
  • Proven track record of delivering reliable, high-volume systems
  • Experience collaborating with Finance, Risk, Compliance, and Operations teams

Skills & Competencies

  • Strong understanding of payment flows and transaction lifecycles
  • Ability to balance speed, reliability, risk, and cost
  • Data-driven decision-making with strong execution discipline
  • Clear communicator, comfortable engaging senior leadership
  • High ownership mindset and attention to detail

Nice-to-Have

  • Experience with large-scale payment platforms or utility integrations
  • Exposure to fraud prevention or dispute management systems
  • Experience in high-growth fintech or digital banking environments
  • Familiarity with analytics and monitoring tools for transaction performance

Key Stakeholders

  • Head of Product
  • Engineering and Design teams
  • Operations and Customer Support
  • Finance and Treasury teams
  • Risk Management and Compliance teams
  • Executive Management, including:
  • Chief Executive Officer
  • Deputy Chief Executive Officer
  • Product Governance Council

Success Metrics (First 12–18 Months)

  • High and improving transaction success rates
  • Growth in payment transaction volumes and active users
  • Reduced transaction failure rates and customer complaints
  • Strong partner reliability and service performance
  • Clear contribution of payments to customer engagement and deposits

Benefits

  • Opportunity to build products customers use every day
  • High-impact role at the heart of Renmoney’s digital banking strategy
  • Strong executive visibility and ownership
  • A chance to shape reliable, scalable payment infrastructure in Nigeria
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