Franklin Chukwumalu
@franklinchukwumalu
Head of Product driving ISO 20022 compliant digital payments growth across card networks.
NigeriaWhat I'm looking for
I’m a results-driven Head of Product with 7+ years of experience architecting and scaling digital payment ecosystems across card networks, mobile money, and digital banking channels. I deliver PCI DSS / EMV-compliant solutions while integrating with Visa, Mastercard, and Verve schemes—using an API-first approach to drive measurable adoption and transaction volume growth.
At PalmPay, I own end-to-end payment product strategy and roadmap, leading mobile money banking, EFT, POS, card issuing, online acquiring, and biller aggregation services. I’ve driven landmark outcomes including ISO 20022 messaging adoption (making PalmPay the first Nigerian financial institution live on the new NPS payment rail), Verve & Afrigo certification leadership, and high-velocity product launches through Agile/Scrum delivery, strong stakeholder management, and scheme/regulatory compliance (CBN, PCI DSS, ISO 20022).
Experience
Work history, roles, and key accomplishments
Head of Product
PalmPay
Aug 2025 - Present (10 months)
Owned end-to-end product strategy and roadmap for PalmPay’s payment products (mobile money banking, EFT, POS, card issuing, online acquiring, and biller aggregation). Pioneered ISO 20022 on the NPS payment rail, grew card adoption by 300%, and led the launch and certification of Afrigo and scheme-driven transaction growth.
Product Manager, Cards
PalmPay
Oct 2024 - Aug 2025 (10 months)
Led technical product strategy and end-to-end delivery for card issuance and digital channels, including USSD and mobile money platforms. Delivered Verve and Afrigo card scheme certifications, improved USSD self-service card control, and managed API integrations while ensuring PCI DSS/EMV and data security compliance.
Team Lead, Cards & E-Payment
Globus Bank
Oct 2022 - Sep 2024 (1 year 11 months)
Spearheaded strategy and delivery for card and digital banking products, driving 300% card adoption growth through targeted enhancements and customer-centric design. Managed corporate payments and collections (e.g., NIBSS e-Bills, Direct Debit, Remita, Interswitch Autopay), led the Afrigo launch, and owned product P&L/OKRs and go-to-market execution.
Business Analyst & Project Manager
Fidelity Bank
Aug 2019 - Sep 2022 (3 years 1 month)
Supported delivery and continuous enhancement of internet banking, mobile banking, and USSD services, including customer onboarding journeys for retail and SME segments. Ensured scheme compliance for Visa/Mastercard/Verve card products, collaborated with engineering on data-driven feature prioritization, and reported e-product performance metrics.
Education
Degrees, certifications, and relevant coursework
Obafemi Awolowo University (OAU)
Master of Business Administration (MBA), Business Administration
2024 -
Pursuing an MBA degree with an emphasis on business and management education.
Lagos Business School (LBS)
Certificate Programme, Financial Inclusion Data for Policy Making
2026 - 2026
Certificate programme focused on leveraging financial inclusion data for policy making.
Nnamdi Azikiwe University (UNIZIK)
Bachelor's Degree, Electrical Engineering
2015 -
Bachelor's degree in Electrical Engineering.
Availability
Location
NigeriaAuthorized to work in
Job categories
Skills
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