Senior Product Manager - Card Processing

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. 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. 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).