Karen A.Private profile: Upwork shows its earnings only to signed-in members, so we check it every few weeks, not daily. MRR here is a rough estimate (Upwork's six-month earnings ÷ months active). Last read Nov 5, 2026.

I help founders and teams turn complex ideas, legacy workflows and under-defined requirements into buildable MVPs and scalable products. I’m a senior product manager, product strategist and founder with 10+ years of experience across AI, healthtech, fintech, insurance, SaaS, proptech, marketplaces and public-sector products. My work spans Nigeria, the UK & ROI, Europe, Saudi Arabia, the US and the Philippines. Selected results: • Took an embedded-finance product from 0 to 50,000 borrowers in its first year, supporting a $75m raise while maintaining 97% repayment • Built and led a digital-bank product function that reached 500,000+ users in year one • Built a B2B marketplace that acquired 4,000+ businesses in six months and generated $3m GMV in year one • Improved acquisition by 30% through a global-payroll journey redesign and led the first release of payslip automation • Delivered 16% month-on-month acquisition growth, 20% month-on-month revenue growth and a 30% retention uplift for a predictive-lending product More recently, I have led product definition and delivery for an AI healthtech platform, a UK & ROI estate-agency CRM replacement, a Saudi motor-claims MVP designed around payment within 24 hours of approval, and a US portfolio spanning proptech, customer acquisition, home services and managed support. Clients bring me in when the opportunity is clear but the path to execution is not. I can help with: • Product strategy and discovery • MVP definition, scope and prioritisation • Customer journeys and operational workflows • PRDs, user stories, roadmaps and backlogs • Design and engineering hand-off • Pilot design, launch planning and cross-functional delivery I work hands-on and can engage as a senior product lead or fractional Head of Product. Where the scope requires it, I can also bring in a ready offshore team of product managers, designers and software engineers.