Nium

Senior Product Manager - Card Processing

Reposted 5 Days Ago

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Hiring Remotely in Malta

Remote or Hybrid

Senior level

Blockchain • Fintech • Payments • Cryptocurrency

The Role

As a Staff Product Manager for Card Processing, you will oversee the end-to-end transaction processing engine, translating scheme bulletins into user stories and writing specifications for integration while optimizing card transaction systems.

Summary Generated by Built In

Nium, the Leader in Real-Time Global Payments

Nium, the leading global infrastructure for 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 190+ countries, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 40 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.

As Senior Product Manager – Card Processing, you will own the transaction processing engine that powers Nium’s card issuance platform. From authorisation through to clearing, settlement, ledger posting, reconciliation, and chargebacks—you will design, build, and optimise the systems that keep card transactions flowing securely and efficiently around the globe.

This is a hands-on product role for a technically fluent leader who can translate scheme bulletins into user stories, write precise interface specs for developers, and partner with internal teams to deliver robust card processing capabilities at scale.

Responsibilities

Own the end-to-end processing roadmap – authorisation, clearing, settlement, ledger posting, reconciliation and charge-back flows.
Translate scheme bulletins into processor requirements – map new authorisation fields, clearing record-types and fee codes into sprint-ready tickets on bulletin release.
Design resilient transaction flows – define fallback logic (stand-in, dual-message reversal), time-outs and fraud rule triggers to keep approvals high and losses low.
Lead processor & core-ledger integrations – write detailed interface specs for new (or updated) integrations
Partner with Programme Manager & Solution Engineering – ensure new programmes inherit proven processing patterns, meet scheme certification scripts first time and reuse existing digital wallets and KYC flows.
Monitor live processing KPIs – approval ratio, average latency, mismatch rate, interchange yield; trigger incident post-mortems when thresholds are breached.
Stay two releases ahead – maintain a processing change backlog aligned to Visa/Mastercard release calendars.

Requirements

8 years of product management experience in card issuing or transaction processing, ideally within a fast-paced fintech or payments environment.
Deep understanding of card scheme protocols (Visa/Mastercard), transaction lifecycles, and ISO8583-based messaging.
Strong track record of writing technical specifications and working closely with engineering teams to deliver robust, scalable systems.
Experience integrating with third-party processors, payment gateways, and/or ledger systems.
Analytical mindset with a passion for monitoring KPIs and driving data-informed improvements.
Comfortable managing roadmaps aligned to both business strategy and mandatory regulatory/scheme changes.
Excellent communication and cross-functional collaboration skill.
Based in Malta or open to relocation (full relocation package provided).

What we offer at Nium

We 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 for Our Employees: 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 working 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 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 : https://www.nium.com/careers#careers-perks

For more information visit www.nium.com

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 www.nium.com/privacy/candidate-privacy-notice.

Skills Required

8 years of product management experience in card issuing or transaction processing
Deep understanding of card scheme protocols (Visa/Mastercard)
Strong track record of writing technical specifications
Experience integrating with third-party processors, payment gateways, or ledger systems
Analytical mindset with a passion for monitoring KPIs
Excellent communication and cross-functional collaboration skill

Nium Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Nium and has not been reviewed or approved by Nium.

Fair & Transparent Compensation — Pay is considered market-competitive in certain tech and sales roles and higher‑paying geographies, with upside evident for specific functions and seniority. Signals of strong totals in U.S. engineering/product and top‑end sales support a generally favorable footing.
Healthcare Strength — Company materials and external listings describe comprehensive health coverage and 24×7 assistance support aligned with a modern fintech package. These elements are positioned as core parts of the global offering.
Leave & Time Off Breadth — Generous parental leave, standard PTO, and a company‑wide year‑end shutdown expand time‑off support beyond basics. Public career materials and job ads consistently reference these components.

Learn more about Nium's Compensation & Benefits →

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The Company

713 Employees

Year Founded: 2015

What We Do

Nium is an advanced payments platform redefining the way consumers and businesses send, spend, and receive funds across borders. Nium’s goal is to make the movement of money seamless through being a universal plug for financial services. The company uses agile, elegant, and modular solutions for complex business problems. Be it an Individual, new-age digital bank, or a traditional industry behemoth, Nium prides itself on creating financial infrastructure for every level of sophistication. Nium’s key solutions: • Pay-ins • Pay-outs • Card issuance • Banking-as-a-service • Crypto-as-a-service We are a global leader in B2B modern money movement • Launched the world’s first global platform for crypto-as-a-service • $280M Funding • Series D • $2B Valuation o 130+M End customers o 190+ Payout markets o 100+ Supported currencies • Named on CB Insight’s Fintech 250 List • Financial Times’ List of Asia-Pacific High-Growth Companies 2021 • Fintech Employer of the Year’ at the 2021 Singapore Fintech Festival • Best B2B Payment Platform’ at the 2021 Future Digital Awards

Why Work With Us

We, at Nium, are on a mission to transform modern money movement. We are driven by our co-created values of "seek the simple", "make it better" and "win it together". These aren't just buzzwords; they're how we do business every day and owned by each and every employee at Nium. We create new rules and new possibilities for a world of open money.