Original listing text, shown exactly as published by the company.
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.
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-making
What You Bring
Essential
- 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.
