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- Tasks: Lead product initiatives in fintech, focusing on seamless money movement and transfers.
- Company: Join Crypto.com, a leading platform revolutionising the way users handle money.
- Benefits: Enjoy flexible work options, competitive salary, and a vibrant team culture.
- Why this job: Be part of an innovative team shaping the future of finance with impactful products.
- Qualifications: 10+ years in fintech product management, with strong knowledge of US payment systems.
- Other info: Opportunity to work with cross-functional teams and engage directly with customers.
The predicted salary is between 48000 - 72000 £ per year.
Product Director – Payment & Banking
Our Product Management team drives product initiatives from inception through execution, launching products/features across our global footprint. We collaborate closely with engineers, designers, analysts, marketers, and other cross-functional team members to ship remarkable features and products.
About the role: The Cash team deals with money movement and transfers. We work with banks, fintechs, wallets to enable our users to move money seamlessly into and out of our platform.
We are looking for a seasoned and hands-on Product Director who has the vision, drive and ability to own, create, implement and manage an industry-changing platform that helps change the way users deal with money.
This role in particular is focused on US partners and hence an in-depth understanding of US banking regulations and practices is a huge advantage.
Job Responsibilities:
- Liquidity and Settlement : Expert understanding of Treasury Product; specifically how to structure banking partnerships to ensure zero, or near-zero, downtime liquidity for mass user pay-outs and instant trading activities.
- High-Acceptance Rate Focus : Demonstrated ability to significantly increase transaction acceptance rates across credit card, debit card, and bank transfer pay-ins by optimizing processor relationships, fraud rules, and regulatory compliance checks.
- Strategic Bank Partnership : Leading commercial negotiations and technical integrations for direct bank relationships (not just white-label partners) to secure preferential rates, dedicated service levels, and custom solutions required by trading businesses.
- Payment Orchestration & Routing: Experience in designing the logic for a dynamic routing engine that instantly selects the best rail based on user segment, jurisdiction, currency, speed requirement, and risk profile.
- Institutional On-Ramp: Experience in scalable fiat payment solutions tailored for institutional clients (e.g., dedicated segregated bank accounts, high-value wire processing, bulk pay-out APIs).
- Key Success Metrics: 1) Time-to-Fund/Time-to-Withdrawal (reducing latency), 2) Pay-in acceptance rates (driving higher funding success) and 3) Cost-per-Transaction (optimizing margins)
Job Requirements:
- Minimum of 10+ years of product leadership focused on building and optimizing cross-border payment infrastructure.
- Less experience candidates can be considered as Principal/Lead.
- Proven experience in selecting and integrating payment rails based on transaction speed (T+0 vs. T+1) to meet the needs of instant trading.
- Good aptitude for understanding technical APIs and translating them to how they impact user stories is preferred
- A data-informed work style, viewed through a compassionate lens of the user
- A passion for building delightful customer-facing products and experiences
- Strong work ethic and willingness to go the extra mile to meet tight delivery timelines and goals where necessary
- Ability to manage C-level stakeholders and clearly articulate prioritization decisions and considerations
- Demonstrated leadership, taking ownership and producing results
- The ability to collaborate well with designers, engineers, QA, Marketing, compliance, growth
- Bring humility to your work and how you work with others
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Product Director - Payment & Banking employer: Crypto.com
Contact Detail:
Crypto.com Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Product Director - Payment & Banking
✨Tip Number 1
Network with professionals in the fintech space, especially those who have experience with US payment systems. Attend industry events or webinars to connect with potential colleagues and learn more about the latest trends.
✨Tip Number 2
Familiarise yourself with US banking regulations and practices. This knowledge will not only help you in interviews but also demonstrate your commitment to understanding the market dynamics relevant to the role.
✨Tip Number 3
Prepare to discuss your past experiences in managing complex product initiatives. Be ready to share specific examples of how you've collaborated with cross-functional teams to deliver successful products.
✨Tip Number 4
Showcase your leadership skills by discussing how you've taken ownership of projects in the past. Highlight your ability to manage stakeholders and make prioritisation decisions that align with business goals.
We think you need these skills to ace Product Director - Payment & Banking
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your fintech product management experience, especially any work related to US payment systems. Use specific examples that demonstrate your ability to manage complex projects and collaborate with cross-functional teams.
Craft a Compelling Cover Letter: In your cover letter, express your passion for building customer-facing products and your understanding of US banking regulations. Mention how your vision aligns with the company's goals and how you can contribute to their mission.
Showcase Relevant Experience: When detailing your work history, focus on your achievements in product management, particularly in money movement and transfers. Highlight any experience you have with APIs and how you've used data to inform product decisions.
Prepare for Interviews: Be ready to discuss your approach to prioritising initiatives and managing stakeholders. Prepare examples of how you've successfully delivered projects under tight deadlines and how you ensure user needs are met through empathy and understanding.
How to prepare for a job interview at Crypto.com
✨Understand the Product Landscape
Familiarise yourself with the current trends in fintech, especially regarding payment systems and cash clearing networks. Be prepared to discuss how these trends can influence product development and user experience.
✨Showcase Your Leadership Skills
As a Product Director, you'll need to demonstrate your ability to lead cross-functional teams. Prepare examples of past experiences where you've successfully managed stakeholders and driven projects to completion.
✨Know Your Regulations
Since this role focuses on US partners, having a solid understanding of US banking regulations is crucial. Brush up on relevant laws and be ready to discuss how they impact product strategy and user interactions.
✨Emphasise User Empathy
Highlight your approach to understanding customer needs. Be ready to share how you've gathered user feedback in the past and how it has shaped your product decisions, ensuring that you prioritise user satisfaction.
