Without choosing bases, how to show that the determinant is multiplicative in this sense?

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I was recently considering this statement:

Let $V$ be a finite-dimensional $k$-vector space, and let $\phi:V\to V$ be an endomorphism. Suppose that $W\subseteq V$ is a subspace that is stable under $\phi$, i.e. such that $\phi(W)\subseteq W$.

Let $\psi:W\to W$ be the restriction of $\phi$ to $W$, and let $\rho:(V/W)\to(V/W)$ be the induced map on the quotient space $V/W$. Then $$\det(\phi)=\det(\psi)\det(\rho).$$

I came up with a proof, but it required choosing bases (ick!): if $\{w_1,\ldots,w_r\}$ is a basis for $W$, and $\{v_1,\ldots,v_s\}$ a set in $V$ that maps down to a basis of $V/W$, then their union $\{w_1,\ldots,w_r,v_1,\ldots,v_s\}$ is a basis for $V$. Expressing $\phi$ as a matrix in this basis, it is a block matrix of the form $$\begin{bmatrix} A & B\\ 0 & C \end{bmatrix}$$ because $\phi(W)\subseteq W$. But $A$ is the $r\times r$ matrix representing the action of $\psi$ on $W$, and $C$ is the $s\times s$ matrix representing the action of $\rho$ on $V/W$, and by properties of block matrices, we have $$\det(\phi)=\det\left(\begin{bmatrix} A & B\\ 0 & C \end{bmatrix}\right)=\det(A)\det(C)=\det(\psi)\det(\rho).$$


All well and good, but can someone tell me how to prove this statement the "right" way (via the exterior power functor, exact sequences, etc.?)

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One way to see this is to interpret the determinant as the unique map between exterior powers which is normalized to send the identity map to $1$.

In other words $\det$ is the unique alternating multilinear map $\text{Mat}_n(F)\to F$ (where we interpret $\text{Mat}_n(F)$ as $n$ column vectors). The association

$$\phi\mapsto (\psi,\rho)\mapsto \det(\psi)\det(\rho)$$

is also seen to enjoy this property.