Product Manager, Cards

Job Description

About HIFI

\n

HIFI is a stablecoin infrastructure company building technology for the next-generation of financial products. We build tools for payments and tokenized money products across money movement, cards, and capital markets. Institutions and enterprises already use our platform and APIs to move billions of dollars in production environments around the world, and we are still early.

\n

\n

Founded in 2022, our organization is flat and our team is talent dense. We work in person at our office in Flatiron and are intentional about who we work with. We've raised $37 million from world-class investors, including a Series A led by Left Lane Capital.

\n

\n

About the Team

\n

HIFI is building the infrastructure for stablecoin-based card issuance - bringing programmable, dollar-denominated value directly into everyday spend. This role will own one of our most consequential product lines: the card program that turns our rails into a spendable, real-world experience for institutions and their end users.

\n

\n

You'll work at the intersection of issuing banks, card networks, processors, and compliance to launch and run a program that doesn't have a playbook yet — because stablecoin-native card issuance is still being invented. You own the full P&L for the program - revenue, interchange economics, partner costs, and margin. You'll be the person who owns it end to end, from partner selection to program mechanics to day-to-day performance, reporting directly to the founders.

\n

\n

Responsibilities

\n

\n
• Own the full P&L for the stablecoin card program: interchange revenue, network and processing costs, FX/conversion spread, and program margin
\n
• Serve as the primary owner of the card program's relationship with network partners (Visa, Mastercard) and issuing/sponsor banks, managing principal membership requirements and settlement operations
\n
• Lead card program launches end-to-end - program design, network approval, compliance sign-off, and go-live - across new markets and jurisdictions
\n
• Own the mechanics of stablecoin-to-fiat settlement for card transactions, working with Engineering to ensure authorization, clearing, and settlement run reliably across supported chains
\n
• Design and manage program features: credit vs. prepaid structures, spend limits, rewards, and fee models that drive usage and revenue
\n
• Partner with Compliance to maintain PCI DSS and network compliance standards, and to manage fraud, disputes, and chargebacks
\n
• Monitor program health daily - transaction volume, approval rates, fraud/loss rates, and unit economics - and report performance to founders
\n
• Act as the internal and external expert on the program, representing it in partner negotiations, network reviews, and customer-facing conversations
\n
• Continuously evaluate new networks, chains, and settlement rails to expand where and how the program can operate
\n

\n

\n

You might be a fit if

\n

\n
• 5+ years of experience in card issuing, card program management, or payments, ideally with direct exposure to Visa/Mastercard program mechanics
\n
• Track record of owning a card program's P&L — not just operating it, but improving its unit economics
\n
• Deep familiarity with card network rules, issuing bank/BIN sponsor relationships, and settlement operations
\n
• Comfortable working at the intersection of stablecoins and traditional card rails, even if you're newer to crypto specifically
\n
• Strong instincts for compliance and risk — you know how to move fast without cutting corners on fraud, disputes, or regulatory requirements
\n
• Can operate independently and drive a program forward without a playbook to follow
\n
• You want real ownership over a P&L, not just a seat at the table
\n

\n

\n

Why This Role Matters

\n

Card issuance is where stablecoins meet the real world - the moment programmable dollars become something people can actually spend. This role owns that moment for HIFI. You'll build and run the program that turns our infrastructure into a product people use every day, with direct ownership over how it performs financially.

\n

\n

Additional Requirement

\n

Must be within a commutable distance from our office and able to work in person most days of the week.

\n

\n

Equal Opportunity Statement

\n

HIFI is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other legally protected status. We also provide reasonable accommodations during the hiring process.