01 · Product Foundations
From idea to MVP that regulators accept.
Scoping, vendor selection, partner due-diligence (banks, BIN sponsors, payout networks), and a launch-ready roadmap that won't collapse on audit day.
Impact
Numbers that moved - and the decisions behind them.
9.7→18.8%Onboarding conversion lift via KYC simplification & UX
215K+Active remittance users added
51→63%30-day retention via cohort engagement
~19%YoY revenue growth from dynamic pricing
155+Remittance corridors with cohort-based pricing
40%Reduction in manual payout intervention
Spotlight
Dynamic Pricing & Cohort-Based Incentive Engine
Replaced static FX and fee models with a cohort-aware pricing system across 155+ corridors at BOTIM Ultra.
- Segmented users - new, repeat, high-value, drop-off, corridor - using transaction behavior, success rates, and volume.
- Targeted offers: fee waivers, cashback, next-transaction-free, preferential FX.
- Corridor-level pricing logic aligned to partner cost (payout fees) and market competitiveness.
- A/B testing across cohorts for pricing elasticity and offer effectiveness.
- ~19% YoY revenue growth, higher AOV, lower incentive spend on low-impact cohorts.
Advisory
Advisory for early-stage fintech - from 0 to 1, and 1 to scale.
I work with founders building payments, remittance, wallet, and digital banking products. Hands-on with regulators, partners, and the messy first 12 months of a fintech roadmap.
02 · Onboarding & KYC
Activation that converts without breaking compliance.
OCR-based KYC, identity stack selection (Alloy, Socure, Sumsub, Onfido), step-reduction, drop-off analytics, and the trade-offs between conversion and risk.
03 · Payments & Remittance
Cross-border that actually moves.
Corridor strategy, payout partner integrations (TerraPay, JinglePay, MoneyGram, Wise), FX & pricing models, and operational monitoring that catches failures before customers do.
04 · Cards & Wallets
Issuance, lifecycle, and the boring middle.
BIN sponsor selection, tokenization, ISO 8583 flows, PCI-DSS scoping, chargebacks, settlement, and reconciliation. Crypto wallet readiness for regulated markets.
05 · Growth & Monetization
Pricing that respects the customer and the P&L.
Cohort-based pricing, dynamic FX, incentive design, A/B framework, and unit-economics modeling at the corridor or segment level.
Engagement model
How we'd work together.
- Sprint advisory - 4–6 week deep-dive on a specific bottleneck (onboarding, a corridor launch, a partner decision).
- Fractional product leadership - 2–3 days a week embedded with the founding team, owning roadmap and partner relationships.
- Board / investor support - diligence reviews, fintech-specific roadmap critique, regulatory readiness checks.
Currently selective - taking on 1–2 engagements per quarter alongside my role at BOTIM Ultra.
Building something in fintech?
Tell me what you're solving - I'll tell you honestly whether I can help.
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