Product Lead – Card Issuing

🕒 il y a 12 jours

🇺🇸 États-Unis – Télétravail

⏰ Temps Plein

🟠 Senior

✅ Responsable Produit

🦅 Parrain de Visa H1B

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Breeze

Site WebLinkedInTous les Emplois

11 - 50 employés

Fondée en 2022

💳 Fintech

☁️ SaaS

🤝 B2B

Fintech • SaaS • B2B

Breeze est une plateforme de paiements et de marchand de référence alimentée par l'IA, conforme aux normes SOC 2 et PCI, qui gère les paiements, les décaissements, la détection des fraudes et des responsabilités, les rétrofacturations, la conformité (y compris AML/KYC), la collecte des taxes et la réconciliation des revenus pour les entreprises numériques. Livrée via une API unique, Breeze prend en charge les méthodes de paiement par carte, banque et cryptomonnaie, offre un support mondial et permet aux entreprises d'externaliser l'infrastructure de paiement et de se développer plus efficacement.

Description

• Own the end-to-end product strategy and roadmap for Breeze’s card issuing platform. • Lead the 0 to 1 development and launch of physical and virtual card products. • Stand up the infrastructure, partnerships, workflows, and operating model required to launch and scale a card program. • Define and optimize the economics of the card program, including interchange revenue, network fees, processing costs, fraud losses, rewards, operational costs, and customer value. • Own the full card transaction lifecycle, including authorization, clearing, settlement, refunds, reversals, disputes, chargebacks, and reconciliation. • Partner closely with Engineering to build reliable ledgering, reconciliation, transaction processing, and reporting systems. • Lead integrations with issuing banks, BIN sponsors, processors, payment networks, card manufacturers, and other strategic partners. • Build and iterate on core card capabilities, including: • Physical and virtual card issuance • Card activation and lifecycle management • Card controls and spending limits • Real-time transaction notifications • Tokenization and digital wallet provisioning • Apple Pay and Google Pay integrations • Fraud monitoring and transaction controls • Disputes and chargeback experiences • Partner with Risk, Compliance, and Operations to build KYC, fraud, dispute, and servicing workflows that can scale. • Use customer feedback, transaction data, authorization rates, fraud metrics, and program economics to continuously improve the product. • Identify edge cases, operational risks, and failure points before they become customer or business problems. • Make thoughtful tradeoffs across customer experience, technical complexity, speed, compliance, and economics. • Act as the primary product owner for all card issuing initiatives across the company.

🎯 Exigences

• 6 or more years of Product Management experience, ideally within fintech, payments, banking, embedded finance, or crypto. • Proven experience launching a card issuing product from 0 to 1 or leading a major expansion of an existing card program. • Strong understanding of how to stand up and operate a card program from both a product and infrastructure perspective. • Experience working across the full card transaction lifecycle, including authorization, clearing, settlement, refunds, disputes, and reconciliation. • Strong understanding of card economics, including interchange, network fees, processing costs, fraud loss, rewards, and operational expenses. • Experience building or partnering closely on ledgering and reconciliation systems. • Experience working directly with issuing banks, processors, BIN sponsors, payment networks, or embedded finance providers. • Strong technical product instincts and the ability to work closely with engineering teams on complex financial systems. • Comfort operating in ambiguity and making decisions with incomplete information. • Ability to move quickly while maintaining a high bar for reliability, compliance, and customer experience. • Experience working in a high-growth, early-stage, or startup-like environment.

🏖️ Avantages

• Competitive salary and equity plan • 21 days PTO • Flexible benefits, including an annual medical allowance, productivity allowance, gym membership, and personal well-being subsidy • Annual team retreat trip • Work alongside a team backed by Sequoia Capital with a healthy runway