Fredrick Adams

I headed the solution discovery using solution mapping, resulting in the Save2Win jackpot that issued tickets to app users whenever they deposited into their savings accounts. Users could select three numbers for the daily jackpot and win cash prizes. To cater to the users' need for responsive customer support, we trained and onboarded auxiliary staff to act as virtual dedicated account officers to users. I grouped users and assigned them a virtual account officer to provide swift issue resolution. This direction enabled us to maintain our 95% NPS based on the quarterly user feedback.

During the delivery phase, I drafted the product requirements, worked with a design team on UI/UX designs, and managed business iterations and the customers' usability session feedback. I also collaborated with the engineering team to estimate project tasks, prioritized requirements when building MVP features, and established sprint planning and daily standups to prevent scope creep and project lag. We engaged an external QA team for testing to ensure product quality and reliability.

The project covered a user segment of small business owners with limited financial services and economically active users. These users required proximity to a financial institution and access to financial services, resulting in the discovery phase evolving across channels. The co-founder and I built a mobile wallet on a USSD application and sold vouchers directly to customers, enabling their money to be digitized. Despite finding a product fit, we encountered scaling limitations. We built and deployed a web application to empower small business owners to serve their customers.

I gathered feedback from users, refined requirements to build products, designed the application to meet customer requirements, and prioritized product features and a mobile web view to cater to on-the-go users. Also, I managed integrations with three payment providers, including a partner bank, to enable the web portal to facilitate bank transfers. I further developed API specification requirements for the engineering team, implemented using Lean and Agile.

Small business owners requested a mobile app to serve their customers on the go, so we built a business banking mobile app to meet their needs. We also integrated virtual account services with a leading financial institution, implemented card acceptance solutions into the mobile app to ease payment collections, and enabled USSD payments.

I outlined the strategy required to build mobile-first, which involved existing product features' reprioritization and its impact on business outcomes. Then, I developed a product roadmap from prioritized stories, designed and prototyped the mobile app, created A/B test prototypes, and performed user interviews covering user UX flow preferences. Having the prioritized roadmap and refined user flows, I used Lean and Agile to deploy app versions with a mobile and a back-end developer. After internal QA Testing, I performed user acceptance testing with a segment of users who gave positive feedback for ease of use.

With increasing user growth came rising customer demands, including the need for point-of-sale solutions to enable them to accept card payments easily. The POS system was a hand-held Android-based device with card-processing functionality. The project required mobile app features to be extended to the POS device and mapped to the terminal management system for administrative purposes and device updates.

I rescoped the POS system's product features, worked with the design team on the design and interface user testing, and outlined the process flow diagram that managed administrative interaction between the application and the back office. Also, I engaged the contracted POS application developer and banking partners to integrate the EMV-based card, processing APIs from the devices to the central payment switch. Considering we were engaging external resources, this was a kanban approach. The application was seamlessly deployed across over 15,000 devices, processing up to $800 million in annual transactions.

With plateaued growth, the sales team needed to onboard business aggregators for international expansion. These aggregators would handle business owner onboarding and assign a POS system. Research into user segments helped identify the aggregator sub-user categories, with the user segments' pricing model enabling them to earn a commission for every POS transaction owned by their business owners. One of the project requirements was also providing business aggregators with an analytics dashboard to view activities and profits.

For this project, I utilized my product analytics skills for data visualization, engaged business aggregators, and developed a product needs assessment. Business owners required liquidity to operate their businesses, leading to a feature that enabled business aggregators to float their business network. I worked with the engineering team to implement data warehousing using Redis and AWS infrastructure, ensuring accurate data was reported to the business aggregators.

With business owners in our network experiencing significant business growth, I engaged the business owners as part of the continuous discovery process, leading to identifying this user need. Business owners wanted to manage their staff activities across multiple locations. I worked with the sales team to validate this need and estimate the business value, which turned out positive and validated the need to develop the solution.

I created a sitemap, user story map, feature documentation, and product requirements document for the web and mobile apps used by employees. Then, I worked on the web and mobile apps' UI designs and collaborated with the engineering team to map out the product's data architecture while acknowledging that we were scaling existing product functionalities to a parent account.

During the project, I worked with a team of one back-end, one front-end, and two mobile developers in an Agile and Scrum environment and managed product outcomes for delivery within the allotted time. The project also required that I coordinate a product launch with a marketing resource, using product-led growth to enable scalability.

I managed the UI design, prototyping, development, and user testing of the ReadyCash mobile money platform. Also, I rebranded the business, going from mobile money to agency banking, in line with the SANEF agency initiative. This design led to a 60% improvement in user adoption across Northern and South-Eastern Nigeria.

Identified a business need in the absence of HMIS across health organizations. HealthStation uses its HMIS to empower hospitals, clinics, and imaging diagnostics service providers. The product discovery phase defined the need to grow healthcare facilities' revenue, automate their processes, reduce revenue leakage, improve operational efficiency, and enable instant access to records and data.

I collaborated with the UX team and copywriters on redesigning HealthStation's website, researched the health services sector's pricing models, and managed stakeholder feedback to ensure that the product design aligned with business outcomes. The SaaS-based pricing layout I implemented increased purchase orders by 67%.

While collaborating with other product managers, I utilized the service delivery framework that extended the product features to include technology infrastructure financing, deployment, change management, and operational support, leading to positive results for healthcare organizations.

The banking industry had $2.2 billion in fraud losses in 2016, 58% of which were related to debit card fraud. ATM Marketplace states that card fraud losses escalated in 2017, with card fraud growing an additional 42% by 2020. Most financial institutions want to focus on scaling their platforms and building innovative products to satisfy their users rather than channel limited engineering resources to build fraud prevention tools.

The project goal was to mitigate fraud and security market issues resulting from the rapid adoption and expansion of the fintech industry. This platform would enable financial institutions to create unique fraud prevention workflows and integrate them into their core applications using APIs or custom SDK.

I handled the product strategy and curation of customer insights, created P&L estimates for stakeholders, defined product user stories with estimated story points, and used the MoSCoW prioritization framework to outline the product MVP. Also, I prepared a timeline view showcasing resource allocation and dependencies, developed a go-to-market strategy, and recruited back-end, front-end, DevOps, and QA engineers.

This is an ongoing project.

The trigger to identifying this business need was asking what would happen if brands and advertisers gave their marketing budgets directly to customers. Using blockchain technology, advertisers and brands could connect to customers, increasing sales, driving loyalty, improving retention, and encouraging users to trade their tokens.

I worked with Web3 professionals and eCommerce brands to understand their operations better and find an intersection. Using the opportunity solutions mapping framework, I built a use case to incentivize users with tokens they would own during purchase and acquire after a repeat purchase from the eCommerce store.

Later, I set up virtual calls with customers, conducted user interviews, and curated my findings to draft the product requirements document. The document included 104 detailed user stories and acceptance criteria for the web app, mobile app, and browser extension, which the product owner and scrum master took over during Agile implementation. Also, I handled the upgraded platform's user acceptance testing.

Informal lending between friends and family members is often unsecured and causes a strain on existing relationships. After conducting user research, we determined that repayment defaults were high due to users not having funds, forgetting, or ignoring repayments because of the lack of penalties compared to transactions with formal lenders.

The product development process was kickstarted by categorizing user segments and identifying micro-merchants who own small independent stores as users who would benefit from this product. With these insights, I developed a user persona, created customer journey maps to mirror user activities, designed the P2P product, outlined the mobile app MVP, and encouraged beta testing.