Staff Product Manager - Card Issuance

San FranciscoProduct – Product Management /Full-time /HybridNium, Global Leader in PaymentsNium, the global leader in real-time, cross-border payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. With the onset of the global economy, its payments infrastructure is shaping how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders. Its payout network supports 100 currencies and spans 220+ markets, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 35 markets. Nium's growing card issuance business is already available in 34 countries. Nium holds regulatory licenses and authorizations in more than 40 countries, enabling seamless onboarding, rapid integration, and compliance – independent of geography. The company is co-headquartered in San Francisco and Singapore. The role You will be a senior individual contributor and de-facto product leader within Nium's Card Issuance team, owning a key segment of our B2B card product across the geographies we serve. You will drive the end-to-end product lifecycle—from discovery and roadmap through to launch and iteration—while shaping how emerging technologies such as AI tooling and stablecoins integrate with Nium's card platform.This is a hands-on, high-ownership role. You will partner closely with engineering, scheme relations, compliance, sales, and external programme clients to deliver world-class card experiences at scale.Responsibilities Product Strategy & Roadmap• Own and evolve the Card Issuance product roadmap, balancing near-term client demands with long-term platform vision.• Identify market opportunities in card-linked stablecoin settlement, AI-powered card controls, and embedded finance, and translate them into a prioritised backlog.• Conduct competitive analysis and customer research to stay ahead of trends in card issuing, tokenisation, and digital money.Technical Execution• Write precise product requirements, API specs, and user stories for engineering teams building card authorisation, clearing, settlement, and lifecycle management flows.• Drive integrations with card schemes (Visa, Mastercard, Discover), issuer processors, and digital wallet providers, ensuring compliance with scheme certification requirements.• Partner with engineering to evaluate and integrate AI-powered tooling into card operations workflows—such as real-time fraud scoring, spend analytics, and automated dispute management.• Lead the definition of stablecoin-to-card settlement flows, working with treasury, compliance, and engineering to design compliant, scalable infrastructure.Stakeholder & Client Engagement• Act as the primary product interface for strategic B2B clients, translating their card programme needs into platform requirements.• Collaborate with Regulatory, Compliance, and Risk teams to understand market-specific requirements and embed them into the product.• Partner with the Programme Manager, Solution Engineering, and Sales to ensure new card programmes are onboarded smoothly and leverage existing platform capabilities.Data & Performance• Define and monitor key card product KPIs (approval rates, dispute rates, time-to-card, revenue per card) and drive data-informed improvements.• Champion data instrumentation across card features to enable self-serve analytics for internal and client-facing stakeholders.• Leverage AI tools to accelerate insight generation, reduce manual overhead in PM workflows, and improve the quality and speed of product decision-makingWhat You BringEssential • 6+ years of product management experience, with at least 3 years in card issuance, card processing, or a closely adjacent payments domain.• Hands-on experience with card scheme protocols (Visa and/or Mastercard), transaction lifecycles (authorisation, clearing, settlement, chargebacks), and ISO 8583 messaging.• Demonstrated ability to write detailed technical specifications and work shoulder-to- shoulder with engineering and architecture teams.• Proven track record of launching and scaling card products internationally across multiple markets and regulatory environments.• Strong command of AI productivity tools integrated into daily PM practice — including tools for requirements drafting, data analysis, user research synthesis, and workflow automation.• Understanding of stablecoins: mechanics of fiat-backed stablecoins, mint/burn flows, on-chain settlement, and their applicability to card-based payment rails.• Analytical rigour—comfortable forming and testing hypotheses with data, running A/B experiments, and defining success metrics before building.• Excellent communication and influencing skills; able to present complex technical and regulatory trade-offs to senior leadership and external clients.Highly Desirable • Experience at a card issuer processor or a card network.• Exposure to tokenisation (network tokenisation, digital wallets such as Apple Pay / Google Pay).• Hands-on experience designing or launching a stablecoin-funded card or settlement product.• Familiarity with regulatory frameworks governing e-money, prepaid cards, and digital assets across APAC, EU, or US markets.• Experience working in a global, multi-timezone product team serving diverse B2B clients.$164,000 - $205,000 a yearSalary ranges are dependent on a variety of factors, including skills, qualifications, experience, and geographic location. Certain roles may offer additional incentives including but not limited to equity and bonus. Your recruiter is happy to share more information about the salary range specific to your working location and other factors at any stage of the hiring processWhat we offer at NiumWe Value Performance: Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programs, we ensure that all our employees are well rewarded and incentivized for their hard work. We Care: The wellness of Nium’ers is our #1 priority. We offer medical coverage along with 24/7 employee assistance program, generous vacation programs including our year-end shut down. We also provide a flexible hybrid working environment (3 days per week in the office). We Upskill Ourselves: We are curious, and always want to learn more with a focus on upskilling ourselves. We provide role-specific training, internal workshops, and a learning stipend. We Constantly Innovate: Since our inception, Nium has received constant recognition and awards for how we approach both our business and talent opportunities. Check out CNBC World’s Top Fintech Companies 2024.We Celebrate Together: We recognize that work is also about creating great relationships with each other. We celebrate together with company-wide social events, team bonding activities, happy hours, team offsites, and much more! We Thrive With Diversity: Nium is truly a global company, with more than 33 nationalities, based in 18+ countries and more than 10 office locations. As an equal opportunity employer, we are committed to providing a safe and welcoming environment for everyone. For more detailed region-specific benefits: For more information, visit . Depending on your location, certain laws may regulate the way Nium manages the data of candidates. By submitting your job application, you are agreeing and acknowledging that you have read and understand our Candidate Privacy Notice located at .Nium provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status. In addition to federal law requirements, Nium complies with applicable state and local laws governing non-discrimination in employment in every location in which the company operates. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. Nium expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status. 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