Arca Payments

Arca Payments is a card issuance infrastructure provider operating in the Nigerian fintech space. The model is B2B: Arca issues cards to fintech companies, and those fintechs in turn issue cards to their own customers. My role was to build product capabilities that gave these fintech businesses the tools they needed to properly manage the cards they had issued on behalf of their customers.

Fintech companies using Arca's card issuance infrastructure had no self-service way to manage the cards they issued to their customers. If one of their customers needed a card cancelled, a spend limit adjusted, or a card frozen due to suspected fraud, the fintech had to route the request through Arca's support team. This created a slow, manual, multi-party process for something that should have been instant. It slowed down the fintechs, frustrated their customers, and put unnecessary load on Arca's operations.

I designed and led the development of a self-service Card Management Portal that gave fintech businesses direct control over the cards they had issued. Through the portal, a fintech could cancel a customer's card, freeze and unfreeze cards, configure spend limits, and manage card-level controls, all in real time without involving Arca's support team.

This shifted the operating model from reactive and manual to self-service and instant. I wrote the full PRD, worked through the security and compliance requirements with engineering, and managed stakeholder sign-off across product and leadership.

Fintech businesses on Arca's platform could now act immediately on behalf of their customers without waiting on support. Card cancellations, freezes, and limit changes that previously took hours through a manual process became instant, self-managed actions. This improved the experience for the fintechs, improved the experience for their end customers, and freed up Arca's operations team from handling requests that did not require human intervention.

Beyond the Card Management Portal, I built data dashboards in Excel and Power BI to surface customer behaviour insights, cutting reporting time by 90% while improving accuracy. I also drove market and competitor research that directly informed product-market fit decisions, contributing to a 30% increase in product sales and 100% client retention.