Product Manager, Consumer App (B2C)

Rova, a fast-growing fintech subsidiary of FCMB Group, is seeking an experienced Product Manager, Consumer (B2C) to take end-to-end ownership of its consumer mobile application, improving the entire customer journey from app installation and onboarding to account funding, transactions, savings and long-term retention

Rova builds digital-first financial products across Consumer Banking (a multicurrency digital banking platform), Banking-as-a-Service and Software-as-a-Service. This is a hands-on leadership role for a product manager who thrives in fast-paced environments, can turn around underperforming products and has experience building products from the ground up

Job Details

• Location: Lagos, Nigeria (Hybrid)
• Employment Type: Full-time
• Reporting To: Chief Product Officer
• Markets: Nigeria, UK and US

Key Responsibilities

Product Strategy and Growth

• Own the end-to-end consumer product funnel, from installation and registration to activation, transactions and Day-30 retention
• Develop and execute a product roadmap aligned with customer needs and business objectives
• Identify growth opportunities, prioritise initiatives using data and measure product performance
• Lead customer activation, engagement, re-engagement and retention initiatives

Onboarding, Identity Verification and Compliance

• Redesign and optimise customer onboarding and Know Your Customer (KYC) journeys across Nigeria and the UK
• Improve verification processes involving BVN, NIN, identity documents, liveness checks and other applicable requirements
• Reduce unnecessary friction while maintaining robust fraud prevention, financial crime controls and regulatory compliance
• Manage identity verification vendors, integrations and migrations

Payments, Transfers and Multicurrency Banking

• Improve domestic and cross-border transfers, including payout reliability, FX pricing, fees, reversals and transaction transparency
• Manage product experiences for NGN, GBP and USD accounts and balances
• Develop and optimise savings and vault features, including interest mechanics, rollovers, minimum balances and product terms
• Oversee card-related customer experiences, including issuance, activation, spending controls and declined transactions
• Explore stablecoin on-ramps and off-ramps, custody arrangements, transaction finality and applicable regulatory requirements

Product Analytics and Experimentation

• Define product events, establish analytics dashboards and build comprehensive conversion and retention funnels
• Conduct cohort analysis, identify customer drop-off points and use SQL to investigate product performance
• Design and evaluate experiments to validate product hypotheses and measure the impact of changes
• Monitor reliability metrics, including crash-free sessions, transaction success rates and app store ratings

Commercial Performance and Stakeholder Management

• Own product pricing considerations and unit economics, including FX margins, transfer fees, card interchange and cost to serve
• Distinguish sustainable growth from growth that is commercially inefficient
• Prepare clear product requirements, business requirements, roadmaps and delivery documentation
• Collaborate with senior leadership, engineering, design, commercial, growth and compliance teams to deliver business outcomes
• Make evidence-based prioritisation decisions and communicate trade-offs clearly

Experience

• At least six years of product management experience, including four or more years building and shipping mobile-first consumer fintech products
• Demonstrable experience taking a product from early development to measurable commercial traction
• Strong experience in onboarding optimisation, KYC, identity verification and customer conversion
• Experience with cross-border payments, remittances, foreign exchange, digital banking, wallets or neobanking
• Proven experience delivering products within regulated financial services environments, such as those supervised by the CBN, FCA or comparable regulators
• Experience working across multiple markets or managing products with different regulatory requirements
• A track record of collaborating effectively with engineering, design, data, growth, risk and compliance teams

Technical and Product Expertise

• Strong understanding of payment flows, card authorisation, account-to-account transfers, settlement, reversals and transaction failures
• Working knowledge of SQL, product analytics, cohort analysis, funnel optimisation, retention metrics and experiment design
• Ability to interpret API documentation, investigate technical issues and engage confidently with engineering teams
• Excellent written communication skills, with the ability to produce clear PRDs, BRDs, product specifications and delivery requirements
• Strong customer advocacy, sound judgement and an understanding of fair customer outcomes in regulated environments
• Demonstrated ability to work through ambiguity, manage dependencies and make data-driven decisions

Tools and Platforms

• Product Analytics: Mixpanel or Amplitude, alongside Metabase, Looker or similar BI tools
• Technical Tools: Postman, OpenAPI specifications and monitoring tools such as Datadog or Grafana
• Experimentation: Feature flagging and product experimentation platforms
• Product Delivery: Jira and Confluence, or Linear and Notion
• Design Collaboration: Figma

Preferred Qualifications

• Experience with diaspora remittances, particularly UK-Nigeria or US-Nigeria payment corridors
• Experience launching or scoping consumer stablecoin products
• Familiarity with card issuing, BIN sponsors and card processors
• Experience migrating identity verification or customer due diligence platforms
• Experience in lifecycle marketing or growth initiatives within a product team
• Experience deploying AI-powered features in regulated customer journeys

Education and Certifications

• A bachelor's degree from a recognised university
• An NYSC discharge certificate, exemption certificate or certificate of exclusion
• Relevant product management certifications

What Success Looks Like in the First Six Months

• A fully instrumented consumer funnel that clearly identifies customer drop-off at each stage
• A material improvement in onboarding completion, supported by measurable evidence
• More reliable remittance operations, with transaction failures, reversals and customer communications effectively managed
• A commercially live consumer app with a clear and defensible monetisation strategy
• Progress towards 40% Day-30 active retention, supported by documented analysis and actionable insights

Recruitment Process

• HR Interview: a 20-minute conversation about your experience, qualifications and suitability for the role
• Product Interview: a 45-minute discussion covering your product ownership, decisions, achievements and lessons learned
• Written Case Study: an assessment based on a real Rova product challenge
• Case Study Presentation and Panel Interview: present and defend your recommendations before a panel including Engineering and Compliance
• Final Conversation: working arrangements, expectations and the support needed to succeed in the role

All offers are subject to satisfactory pre-employment checks, including academic and NYSC verification, employment references, identity, address and right-to-work verification, credit and criminal record checks, and regulatory disqualification screening

How to Apply

Apply below via the JobClave with your updated Resume/CV. Include a measurable professional achievement in the opening line of your application, particularly one demonstrating product growth, customer conversion, retention or commercial impact

Rova, a subsidiary of FCMB Group, is an equal opportunity employer