Senior / Product Manager, Cards

Work on and enhance the card program, including card lifecycle management, authorization flows, tokenization (Apple Pay/Google Pay), and scheme-driven requirements.Support ledger system development, ensuring accuracy of postings, settlement logic, reversals, refunds, and reconciliation processes.Co-own integrations with issuers, processors, and external partners, helping ensure our systems meet scheme and regulatory expectations.Collaborate closely with engineering to design scalable, reliable technical functionalities across cards and ledger.Partner with Finance on reconciliation flows and accounting mapping; partner with Risk/Compliance on scheme/issuer obligations and controls.Develop, maintain, and prioritize a technical product backlog with clarity around risks, dependencies, and sequencing.Produce clear, structured technical documentation, including workflows, data flows, and requirements.Define success metrics for system performance (e.g., auth accuracy, ledger integrity, settlement timeliness).Collaborate across marketing, operations, and other functions to support go-to-market needs when launching card-related or ledger-related enhancementsRequirements4–6 years of product management experience working on technically complex systems.Strong ability to understand backend systems, workflows, and architectural decisions.High learning agility, especially in new areas such as card schemes, authorization logic, clearing & settlement, or ledger accounting (prior experience is a plus but not required).Comfortable working directly with engineers on API flows, data models, and integration behaviour.Comfortable articulating technical risks and trade-offs clearly, especially for flows where accuracy and compliance matter.An instinct to dive deep into workflows and processes across engineering, finance, operations, and compliance to ensure nothing is missed.A habit of writing clear technical documentation and requirements.Strong stakeholder management, especially with external partners/vendors (issuers, processors, fintech providers).