Product Manager – Cards
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Job Description
Product Manager owning Moneybase’s Cards portfolio at a Malta fintech. Driving regulated card product strategy, delivery, servicing, and team performance.
Responsibilities:
- Own the end-to-end product vision and roadmap for the Cards portfolio aligned to company KPIs and customer needs.
- Define, prioritise, and ship features that improve activation rates, usage and engagement, and retention across the cards journey.
- Partner with Risk, Compliance, and Legal teams to ensure products meet card scheme rules (Visa/Mastercard), PCI-DSS, and relevant financial regulation (e.g. PSD2) from design through to launch.
- Collaborate with Engineering, Design, and Data teams to translate customer problems into shipped, measurable product improvements.
- Build and maintain strong relationships with third-party partners, e.g. card issuers/processors and card schemes.
- Own the customer experience for card servicing, including freezing/unfreezing cards, replacement, PIN management, and in-app card controls.
- Collaborate with UX/UI designers on card servicing experiences.
- Communicate roadmap, trade-offs, and progress clearly to stakeholders and leadership, including regular reporting on delivery status and product KPIs.
- Monitor the competitive landscape of challenger banks, neobanks, and card issuers globally.
- Ensure on-time and quality delivery of assigned projects.
- Conduct team appraisals, identify training needs, motivate and performance-manage the team in collaboration with the Team Lead.
- Implement mechanisms to monitor, manage, and report progress on team delivery activities.
- Develop and maintain a prioritised product backlog.
- Act as an internal and external product ambassador and point of reference for product-related queries.
Requirements:
- 5+ years of product management experience, ideally within a digital bank, fintech, card issuer, or payments company.
- Bachelor's degree in Business, Computer Science, Finance, Economics, or a related field; equivalent practical experience will also be considered
- MBA or relevant postgraduate qualification is a plus, not a requirement
- Formal certification in product management (e.g. CSPO) is beneficial but not essential
- Direct experience owning a card product (debit, credit, or prepaid) end-to-end, including working with card processors/issuers and scheme relationships (Visa/Mastercard).
- Track record of shipping customer-facing features in a fast-paced, agile environment, with clear evidence of measurable impact (conversion, activation, NPS, revenue).
- Experience operating within a regulated environment, working alongside Risk, Compliance, and Legal teams on product decisions.
- Experience working in a scale-up or high-growth fintech environment, comfortable with ambiguity and rapid iteration.
- A background in software development would be considered an asset.
- Strong product sense: ability to translate customer pain points and business goals into a clear, prioritised roadmap.
- Analytical and metrics-driven: comfortable interpreting data, and using it to make and defend product decisions.
- Deep understanding of card payment rails, authorisation flows, settlement, and the wider card issuing ecosystem.
- Excellent stakeholder management and communication skills; able to influence engineering, design, risk, and leadership alike.
- Strong commercial acumen understanding of interchange, unit economics, and how card products drive revenue and cost.
- User-centred mindset, with experience running user research, usability testing, or working closely with design teams.
- Comfortable operating autonomously, owning outcomes rather than outputs, in a culture that values speed and iteration over process.
- Knowledge of fraud prevention, dispute management, and chargeback processes is a strong advantage.
- Familiarity with agile methodologies (Scrum/Kanban) and tools such as Jira, Linear, or similar.
Benefits:
- Relocation support
- Health Insurance and fitness allowances
- Gym subsidy
- Study Leave
- Fully paid sponsorship schemes for further studies
- Exposure to the very latest technologies
- Opportunities for career growth
- Variable bonus linked to KPI
- Mental Health Package
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