Card Product Lead

Job Description

REQUIREMENTS

• 3–5+ years of product management experience in fintech, card issuing, crypto, or digital payments platforms.
• Strong understanding of card management systems (CMS), payment processor integrations, and card network rules/ecosystems (Visa, Mastercard, etc.).
• Proven track record of taking complex fintech or payment products from concept to launch across international markets.
• Strong user experience (UX) mindset with an ability to simplify complex crypto and fiat payment interactions into intuitive user flows.
• High autonomy and creative problem-solving skills; ability to make strategic decisions independently without requiring detailed top-down guidance.
• Professional fluency in English (written and spoken) is required. Proficiency in Mandarin Chinese is a plus.
• Excellent cross-functional leadership and stakeholder management skills, with a track record of driving results across matrixed, multi-cultural teams.
• Strong analytical skills, comfortable using data to validate hypotheses, define success metrics, and optimize transaction funnels.

RESPONSIBILITES

Product Strategy & Roadmap

• Own the global card product vision, strategy, and roadmap, aligning with broader company objectives and user growth goals.
• Define market-specific requirements and prioritize features that elevate our client’s Card experience across multiple regions.

End-to-End Feature & Flow Design

• Design, build, and optimize core card product flows, including application onboarding, KYC/compliance checks, digital/physical card issuance, wallet linking, and transaction experiences.
• Drive the user experience around rewards, cashbacks, VIP tiers, and card management features to maximize user activation and retention.

Market Launches & Localization

• Lead go-to-market (GTM) execution for new market expansions and product features, orchestrating internal testing, alpha/beta phases, and full commercial rollouts.
• Partner with local compliance, legal, and risk teams to ensure card features adhere to regional financial regulations and card network rules.

Partner & Vendor Integration

• Collaborate with external partners—including card schemes (Visa/Mastercard), BIN sponsors, processors, and banking partners—to build and expand technical capabilities.
• Define requirements for platform API integrations, ledger systems, and processor hooks to support real-time settlement and authorization.

Data-Driven Optimization & Conversion

• Define key product metrics (e.g., application conversion, active card usage, transaction volume, churn rate) and continuously optimize the user journey using product analytics.
• Conduct user research and competitive benchmarking to identify growth opportunities and feature gaps.

Cross-Functional Leadership & Operational Alignment

• Work closely with Card Operations, Engineering, Design, Customer Support, Risk, and Marketing to ensure seamless feature delivery and post-launch support.
• Serve as the core product owner translating complex financial and operational realities into intuitive, user-centric product experiences.

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