Senior Product Manager - Cards Pay-in Orchestration

Reposted 5 Days Ago
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London, Greater London, England, GBR
Hybrid
Senior level
Fintech • Mobile • Payments • Software • Financial Services
Wise is one of the fastest growing fintechs in the world and we’re on a mission to make money without borders a new norm
The Role
Oversee product vision and strategy for Cards Pay-in Orchestration, optimizing card payment routing and managing acquirer costs while balancing compliance and engineering needs.
Summary Generated by Built In
Company Description

Wise is a global technology company, building the best way to move and manage the world’s money.
Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.
For everyone, everywhere.

More about our mission and what we offer.

Job Description

We move 5% of the world’s money. Using a debit or credit card to fund a transfer is one of the most popular payment methods used by our customers, and we use  acquirers to process ~£1bn in monthly card payment volume. 

A card payment first passes through our fraud and authentication engines, determining if it’s safe to process. This is managed by the Cards Pay-in Authentication team, the sister team to Orchestration. 

The Cards Pay-in Orchestration team decides which acquirer a payment should be routed to for maximum chance of being accepted. In this role you’ll be responsible for the product vision, strategy and roadmap for Orchestration. This requires: 

  • Defining the multi-year vision for our orchestration infrastructure to move from static rules to dynamic, machine-learning routing - and working with your engineers and analysts to deliver this vision. 

  • Ensuring our payments are fully optimised to be routed between our acquirers, adjusting for regional / issuer level differences. 

  • Managing the acquirer portfolio to support the growth of card pay-ins via new markets, card schemes and product types e.g. e-commerce payments.  

  • Keeping acquirer costs as low as possible for our customers, balancing performance with the cost of acquiring. 

In crafting the strategy and roadmap for Orchestration, you’ll balance the opportunities against the regulatory, compliance and engineering needs of the domain.

Additional Information

For everyone, everywhere. We're people building money without borders  — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs.

Keep up to date with life at Wise by following us on LinkedIn and Instagram.

Skills Required

  • Experience in product management
  • Knowledge of card payment systems
  • Experience with machine learning applications

What the Team is Saying

Surendra
Smrithi
Pavan
Jennifer
Lindsay
Lauren

Wise Compensation & Benefits Highlights

  • Leave & Time Off Breadth Global minimum of 33 paid days off (36 in U.S. hubs) plus a 6‑week paid sabbatical every four years and extras like volunteer or “Me” days indicate substantial time‑off depth.
  • Parental & Family Support A global minimum of 18 weeks fully paid parental leave for birth or adoption after one year, along with adoption and fertility support, underscores robust family support.
  • Flexible Benefits Work‑from‑anywhere up to 90 days per year after six months and flexible working principles provide notable geographic mobility and scheduling latitude.

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The Company
9,000 Employees
Year Founded: 2011

What We Do

Wise is a global technology company, building the best way to move and manage the world's money. With Wise Account and Wise Business, people and businesses can hold 40 currencies, move money between countries and spend money abroad. Large companies and banks use Wise technology too; an entirely new network for the world's money. Launched in 2011, Wise is one of the world’s fastest growing, profitable tech companies. In fiscal year 2025, Wise supported around 15.6 million people and businesses, processing over $185 billion in cross-border transactions and saving customers around $2.6 billion.

Why Work With Us

We’re truly global in who we are, how we work, and how we build. Everything we do is centred around creating a world of money that’s fast, easy, fair. And open to all. Everyone who works here owns a piece of Wise, from the work they do, to the stock they hold.

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Wise Offices

Hybrid Workspace

Employees engage in a combination of remote and on-site work.

We expect new joiners in the office most days to build connections and learn from colleagues for their first six months. After that, most Wisers split their working week between the office and home, typically coming in at least 12 times a month.

Typical time on-site: Flexible
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