Asari Offiong
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Product Portfolio · Consumer Fintech

Retail finance,
built end to end
and built to last.

I design and structure full retail-finance stacks — savings, lending, BNPL, diaspora and women’s banking — from strategy and P&L through launch design and governance.

20+
Products in pipeline
₦2bn
SME loan book launched
7 yrs
Across three banks
Asari Offiong emblem Asari Offiong emblem
ASARI OFFIONG
Products & Propositions
I build across Savings Lending BNPL FCY Mortgage Premium & Diaspora Women’s Banking Creators
Signature Launch · SME Lending

The ₦2bn SME Term Loan

I designed and launched it end to end. The book was fully used within six months with zero defaults, and automated origination cut processing time by 40%.

₦2bn
SME term-loan facility, designed and launched
98%
Utilization within six months of launch
0%
Non-performing loans across the book
−40%
Processing time, via automated origination
Selected Product Work

What it solves · What I led

Savings & investment

Goal-Based Savings Suite

What it solves
Flexible, goal-based saving
What I led
Full rebuild into three sub-products
FCY savings + current

FCY Savings & Current Account

What it solves
Dollar savings for inflation-wary customers
What I led
Scheme design, product paper and P&L model
Personal & SME lending

Retail Lending Digitization

What it solves
Slow, manual loan origination
What I led
Digitized flow, business case and portal prototype
BNPL

Point-of-Sale BNPL

What it solves
Financing at the point of need
What I led
BNPL product paper and retail-partner integration
Mortgage

Property-Assured Mortgage

What it solves
Home ownership, backed by property assurance
What I led
Product paper and committee deck
Premium & diaspora

Premium Account Suite

What it solves
Mass-affluent and diaspora banking
What I led
Account-suite paper and deck
Diaspora

Diaspora Banking

What it solves
A diaspora banking capability the bank did not yet have
What I led
Stood up the capability from Products & Propositions
Women’s banking & SME

Women’s Banking Proposition

What it solves
Banking built around women and women-led businesses
What I led
Board-approved proposition, business-account paper, model and deck
Creators segment

Creator-Economy Proposition

What it solves
Banking for social-media creators
What I led
Proposition, product paper and 3-year cost-benefit analysis
Beyond Single Products

Framework architect & PDC governance lead

I also built the system every product goes through: how ideas are approved, how they're modeled, and how they get through credit, finance, risk and compliance sign-off.

Authored the PDC Charter v2.0

Wrote the Product Development Committee's governing charter.

Ran the committee’s inauguration

Set the committee up and convened its first sitting.

Steward a 20+ product pipeline

Guide each product through credit, finance, risk and compliance sign-off.

Set the modeling standard

Defined the standard parameters every retail profitability model is built on.

Experience

Seven years inside Nigerian retail banking

2026 — Now

Nigerian Commercial Bank

Acting Head, Products & Propositions — Retail Banking

2023 — 2025

Nigerian Commercial Bank

Product Manager, Mass Market SMEs

2019 — 2023

Pan-African Bank

Education & Credentials

B.Sc. Botany · University of Calabar

CBAP · Certified Business Analysis Professional

Regulatory Fluency
CBN PENCOM NDIC SCUML
Open to Remote Fintech Roles

Building a retail-finance product? Let’s talk.

I'm open to senior product roles with fintech teams and founders building savings, lending and cross-border products.