Product Lead – Card Issuing

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🔥 35 minutes ago

🇺🇸 United States – Remote

⏰ Full Time

🟠 Senior

✅ Product Manager

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Breeze

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2022

💳 Fintech

☁️ SaaS

🤝 B2B

Fintech • SaaS • B2B

Breeze is an AI-powered, SOC 2 and PCI-compliant payments and merchant-of-record platform that handles payments, payouts, fraud detection and liability, chargebacks, compliance (including AML/KYC), tax collection, and revenue reconciliation for digital businesses. Delivered via a single API, Breeze supports card, bank, and crypto payment methods, offers global support, and enables companies to outsource payment infrastructure and scale more efficiently.

📋 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.

🎯 Requirements

• 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.

🏖️ Benefits

• 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