Open to Relocation & Global Roles

Hi, I'm Wahid.

Product Manager & Growth Strategist

Strategic and data-driven CSPO® with 6+ years of experience scaling fintech and consumer products in emerging markets. I specialize in turning complex problems into intuitive solutions.

Scaled Product To

7M+ Users

YoY Expansion

117%+ Growth

The bKash Case Studies

Scaling a Fintech Product to 7 Million Users

During my tenure at bKash, I owned the Savings Product, transforming it from a stagnant feature to a massive growth engine.

Phase 1: Diagnosis

The Stagnant Baseline

When taking over the savings engine, total active subscriptions were stuck at 0.7M, with a bare-minimum growth rate of only 20k-30k monthly subscriptions. The product suffered from friction-filled onboarding and complex workflows.

Assistant Product Manager, Financial Products
Phase 2: Distribution & Product Scale

Expanding Product Suite & Acquisition

  • Market Expansion via Micro-FDR: Launched Fixed Deposit (FDR) on bKash Marketplace with an accessible BDT 10,000 minimum entry (vs. traditional BDT 1,00,000 bank limits), unlocking Bangladesh's largest savings sector (47% national market share) and onboarding thousands of customers within days.
  • Democratized DPS Offerings: Initiated Weekly DPS (from BDT 250/$2) for daily wage earners alongside $150 Monthly DPS tiers for working professionals, removing capital barriers for mass financial inclusion.
  • Omnichannel Distribution: Activated bKash’s nationwide rural agent network paired with hyper-localized success story campaigns to reach unbanked rural populations.
Key Growth Result

Subscriptions soared to 7M+ while scaling monthly user intake by 10x (200k–250k new depositors every month).

Phase 3: Optimization

Revamping the UX Loop

Identified deep friction points in user flows, which had a poor baseline funnel conversion rate of 1.5%. I guided screen-by-screen UX research to compress the convoluted 10-tap registration model into a seamless 3-tap onboarding checkout.

Conversion Metric

Funnel activation leaped from 1.5% directly to almost 35% conversion.

Phase 4: Operations

Proactive Churn Mitigation

Traditional operations took months to resolve user disputes, resulting in high abandonment rates. I introduced real-time monitoring structures and automated daily SQL sanity routines to spot anomalies. This enabled us to tackle issues within 24-48 hours.

Retention Impact

Account maturity rates zoomed upwards from a mere 3.7% up to a stellar 26% overall retention.

Verified Fintech Scaling Strategy

A Seamless Path to Financial Inclusion

By synthesizing targeted product offerings, compressing friction in the checkout experience, and taking proactive ownership of user disputes, we successfully unlocked savings products for underserved demographics across the country.

Acquisition Velocity 10x Growth
Maturity Performance +600% Change
User Base Expansion Active
0.7M
7.0M+ Active
Click chart to replay curve timeline 3.5-Year Growth Playbook

Technical Explorations

My Vibe Coding Projects

Beyond PM, I build rich, fully functional web tools by prototyping ideas directly with AI, Firebase APIs, and interactive layouts.

Live
FIFA 2026 WORLD CUP PREDICTOR
🇪🇸
Spain
VS
🇦🇷
Argentina
⚽ Match Prediction Earns: 381 pts

FIFA Worldcup Predictor

Web App

A highly engaging live match predictor built for workplace colleagues during the FIFA 2026 tourney. Includes scores, prediction calculations, booster quizzes, and dynamic leaderboards.

Gemini AI Firebase Realtime DB GitHub Pages
BANGLADESH TAX CALCULATOR
Taxable Income BDT 8,50,000
💡 Suggested saving plan bKash DPS

Intuitive Tax Calculator (BD)

Finance Tool

Built directly in response to complex structural changes in Bangladesh's tax policies. Guides taxpayers through dynamic rebate simulation matrices, advising optimum mutual funds or DPS plans.

Rules Engine UI/UX Design Fintech Advisory
52%
REALTIME WEALTH COMMAND
Goal Mobilized:
BDT 58,55,154
📊 Synced to Google Sheets API

Realtime Personal Wealth Manager

Dashboard

A security-first personal ledger utilizing structured Google Sheets web integration as a low-cost, real-time relational database. Includes asset allocation metrics and dynamic status trackers.

Google Sheets API Data Visualization Relational Models
ESCAPE DIARIES AI TRAVEL PLANNER
🌴
Bangkok
✈️
🏯
Ayutthaya
Sparkles Gemini AI BYOK Connected

Escape Diaries (AI Itinerary)

AI App

An intelligent itinerary creator that formats comprehensive travel maps, budget structures, custom localized phrases, and video guides on top of Google's Gemini LLM.

LLM Orchestration API Integration BYOK Model

Connect With Me

Let's Build Something Big

Currently open to new professional opportunities, leadership mandates, and global product assignments. Let's arrange a direct strategy call.

© 2026 Md Wahid Alam Chowdhury. Proud CSPO® Portfolio.

Crafted professionally with ❤️ & AI