Lagos · Nigeria

ChideraAngel
Obijiaku

Fintech PM · CX & Operations · Practitioner

"She didn't wait for perfect conditions.
She learned by doing.
She grew by refusing to stop."

Chidera Angel Obijiaku

Chidera Angel Obijiaku

Fintech Product Manager · Lagos, Nigeria

7+
Years in Nigerian fintech
5
Products managed end-to-end
3
CX · Ops · Product
Still building
Who I am

She started
from the
very beginning.

"I didn't have a roadmap. I had hunger and a refusal to stay where I was."

I lost my mum in my second year in university and everything changed. I stopped waiting for things to happen and started making them happen. That year taught me something most people learn too late that safety is something you build, not something you wait to receive.

I graduated with a degree in Mass Communication, did my NYSC in Uyo where I worked as both a sales manager at Slot and a public relations officer at the Ministry of Youth and Sports. Two completely different worlds and both taught me how people communicate, what they need, and how institutions actually work.

When I returned to Lagos after my one year compulsory service, I started as a customer service officer at a Bank, receiving over ninety calls a day and hundreds of emails. I didn't just do the job I studied every complaint like it was a case study. I looked for patterns. I asked why things kept going wrong at the same points.

That curiosity took me from CX officer to team lead to operations manager to product manager across eTranzact, Remita, and multiple fintech products. Not because someone promoted a blueprint, but because I consistently noticed what was missing and wanted a solution.

I am 29 years old. I have spent a decade learning how Nigerian fintech really works from the customer's complaint, through the operation's breakdown, all the way to the product decision. That full view is what I bring.

The journey

Every step
meant something.

2016–
2017
Sales Manager & PR Officer
Slot Systems · Ministry of Youth & Sports, Akwa Ibom NYSC
My first real-world test. Selling phones at Slot taught me how people make decisions under pressure, what trust looks like in a transaction, and how to communicate value quickly. Working in the Ministry's PR department taught me how institutions communicate and how rarely they do it well. Two very different environments. One core lesson: people want to feel heard.
2018–
2019
Customer Service Officer
ALAT by Wema Bank Contact Centre
Over 90 inbound calls a day, hundreds of emails and live chats. I resolved complaints, escalated fraud cases, and managed every form of customer distress imaginable. But more than that I started noticing that the same types of complaints kept recurring at the same product touchpoints. That observation would shape everything that came after.
2019–
2022
Customer Relationship Officer → Team Lead, Enterprise
eTranzact International Plc
Three years of growth inside one of Nigeria's established payment companies. I moved from handling individual customer relationships to leading a team monitoring KPIs, coaching agents, identifying cross-sell opportunities, and contributing directly to product roadmap discussions. This is where I learned that the best product feedback comes from the people answering the phones.
2022–
2024
CX Executive → Operations Lead → Operations Manager
Remita Payment Services Limited
The years where everything came together. I led the agency banking customer experience team, drove the implementation of self-service features, built comprehensive operational documentation, and identified product loopholes that were causing revenue loss. I moved through three roles in two years not because of titles, but because I kept solving problems that needed solving.
2024–
Now
Product Manager
Remita Payment Services Limited · Workverse Space
Managing five fintech products end-to-end. Writing SQL queries, evaluating APIs on Postman, building dashboards on Apache Superset, scoping integrations, writing user stories, and shipping features. Also learning TypeScript because I want to understand what I am building at every level. Do I still get confused? Yes. And that is okay.
What I bring

Not theory.
Real experience.

The Practitioner

I work inside the problems. I have sat with angry customers, untangled failed transactions at midnight, written SOPs at 11pm before an audit, and watched products break in ways no one predicted. That inside view changes how you approach everything.

The Operator

I make things actually work. Not just the strategy the execution. The SOP. The escalation path. The training document. The SQL query that tells you what is really happening. Operations is where product decisions either hold up or fall apart.

The Problem-Solver

I see what is broken before it breaks. My CX background means I hear the early signals the complaint patterns, the user hesitation, the edge case nobody planned for. I predict issues before they escalate because I have seen how they escalate.

Chidera Obijiaku
Lagos, Nigeria · building from the inside out
My perspective

What 7 years taught me
nobody talks about.

Most product content I have read was written by people who came from engineering or consulting. Very few have experienced the chaos in a contact centre and then gone on to build the product that generated those calls. I have.

That means I understand users not as personas on a slide but as real people in real moments of frustration, confusion, or trust. When a customer's money disappears between two systems, I know exactly which team needs to act, in what order, and what to say to the customer while it gets resolved.

I also understand that the internet makes everything look easy. The highlight reels. The sudden pivots. The overnight successes. Most of it is performance. Real growth in fintech and in a career is slow, repetitive, and unglamorous. And it is worth every bit of it.

This is what I want to pass on the honest, unglamorous, genuinely useful knowledge that took me years to accumulate. So the next person trying to figure it out does not feel like they are alone.

The unheard fintech

Real stories, told
the way they deserve to be.

These are not LinkedIn posts. Not highlight reels. This is the full story where they started, what broke them, what built them, what they wish they had known. The CX leads, the ops managers, the women who figured it out without a blueprint. Interviewed properly, for the first time.

Coming soon
CX to PM
"From inbound calls to building the product what nobody told me about the transition"
Senior CX Lead, Nigerian Fintech · 6 years
Operations
"The SOP nobody wrote how I built operational structure from scratch at a startup"
Operations Manager, Payments · 4 years
Women in fintech
"The room was full of people who did not look like me. I stayed anyway."
Product Manager, Agency Banking · 5 years

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Resources

Knowledge I am
putting into the world.

Available now
The Fintech CX & Ops Playbook
5 complete SOPs, 3 communication templates, a KYC/AML checklist aligned with CBN requirements, a CX metrics tracker with 7 KPIs, and a team performance framework. Built for Nigerian and African fintech teams.
Get the playbook →
Coming soon
From CX to PM The Honest Guide
How I moved from answering 90 calls a day to managing fintech products without a CS degree, without connections, without anyone showing me the path. Written for people figuring it out from the inside.
Get notified →
Every two weeks
The Newsletter
Honest writing for people building something from nothing. Not advice from someone who already made it perspective from someone still in the middle of it. No performance. Just truth.
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By arrangement
Advisory & Consulting
If you run a fintech team and need someone who understands CX, operations, and product from the inside not from a textbook reach out. Real experience, not polished frameworks.
Let's talk →
Connect

You are not
figuring this out alone.

Whether you are trying to break into product management, build better fintech operations, or just need to hear from someone who understands what you are going through I want to hear from you. This work exists because people like you exist.