Director of Card Product 卡产品总监

About the Role：

We are looking for a Card Product Director with a strong R&D and technical background to drive the end-to-end development of our card products from ideation to execution. This role requires a unique blend of technical expertise, product vision, and hands-on execution skills to build innovative card solutions from scratch.

You will be responsible for defining the product roadmap , working closely with engineering, design, compliance, and business teams to deliver best-in-class card products. The ideal candidate has deep experience in card payments, fintech infrastructure, and building scalable financial products with a strong technical foundation.

Key Responsibilities：

Own the end-to-end product lifecycle of card products (physical & virtual), from concept to launch and scaling.

Define the technical and product roadmap , ensuring alignment with business goals and customer needs.

Work closely with engineering teams to design, architect, and build card solutions from scratch (including APIs, issuer processing, fraud, compliance, and core banking integrations).

Lead R&D efforts to explore emerging technologies (e.g., tokenization, real-time payments, embedded finance) and assess feasibility for product innovation.

Collaborate with cross-functional teams (Engineering, Compliance, Risk, Marketing, Operations) to ensure seamless execution.

Conduct competitive and market analysis to identify trends and opportunities in card products.

Define KPIs and success metrics , track performance, and iterate based on data-driven insights.

Manage vendor and partner relationships (card networks, issuers, processors, and fintech infrastructure providers).

Qualifications & Skills：

Experience in product management with a focus on card products, payments, or fintech infrastructure .

Strong technical background (engineering, computer science, or related field) with the ability to architect solutions, understand APIs, and work closely with developers .

Proven track record of building and scaling card products (credit, debit, prepaid, or commercial cards) from scratch .

Deep understanding of card networks, issuer processors, BIN sponsorship, and payment regulations .

Experience with fintech R&D , evaluating new technologies, and prototyping solutions.

Strong analytical skills with expertise in SQL, data analysis, and A/B testing .

Excellent communication skills, able to bridge the gap between technical and non-technical stakeholders.

Entrepreneurial mindset – thrives in fast-paced, ambiguous environments.

Nice to Have：

Experience working at a neobank, fintech startup, or card issuer .

Knowledge of open banking, real-time payments, and embedded finance .

Familiarity with compliance (KYC/AML), fraud prevention, and risk management in card products.

关于角色：

我们正在寻找一位拥有强大研发和技术背景的卡片产品总监， 负责推动我们卡片产品从构思到执行的端到端开发。该职位要求具备独特的技术专长、产品愿景和实际执行能力， 能够从零开始构建创新的卡片解决方案。

您将负责制定产品路线图 ，并与工程、设计、合规和业务团队紧密合作，以提供一流的信用卡产品。理想的候选人应在信用卡支付、金融科技基础设施以及构建可扩展金融产品方面 拥有丰富的经验，并具备强大的技术基础。

主要职责：

拥有卡产品（实体和虚拟）的端到端产品生命周期，从概念到发布和扩展。

定义技术和产品路线图 ，确保与业务目标和客户需求保持一致。

与工程团队密切合作， 从头开始设计、设计和构建卡解决方案（包括 API、发卡机构处理、欺诈、合规性和核心银行集成）。

领导研发工作 ，探索新兴技术（例如，标记化、实时支付、嵌入式金融）并评估产品创新的可行性。

与跨职能团队 （工程、合规、风险、营销、运营）合作，确保无缝执行。

进行竞争和市场分析 以确定卡产品的趋势和机会。

定义 KPI 和成功指标 、跟踪绩效并根据数据驱动的洞察进行迭代。

管理供应商和合作伙伴关系 （卡网络、发行商、处理商和金融科技基础设施提供商）。

资格与技能：

具有产品管理经验 ，专注于卡产品、支付或金融科技基础设施 。

拥有强大的技术背景 （工程、计算机科学或相关领域），能够构建解决方案、了解 API 并与开发人员密切合作 。

拥有从零开始 构建和扩展卡产品（信用卡、借记卡、预付卡或商业卡）的良好记录 。

深入了解卡网络、发卡处理器、BIN 赞助和支付法规 。

具有金融科技研发 、新技术评估和原型解决方案的经验。

具有很强的分析能力，擅长SQL、数据分析和 A/B 测试 。

出色的沟通技巧，能够弥合技术和非技术利益相关者之间的差距。

创业思维 ——在快节奏、模糊的环境中蓬勃发展。

很高兴拥有：

具有在新银行、金融科技初创公司或信用卡发行机构 工作的经验。

了解开放银行、实时支付和嵌入式金融 。

熟悉卡产品的合规性（KYC/AML）、欺诈预防和风险管理。