Senior Product Manager - Card Processing

Responsibilities

• Own the end-to-end processing roadmap – authorisation, clearing, settlement, ledger posting, reconciliation and charge-back flows. 
• Translate scheme bulletins into processor requirements – map new authorisation fields, clearing record-types and fee codes into sprint-ready tickets on bulletin release. 
• Design resilient transaction flows – define fallback logic (stand-in, dual-message reversal), time-outs and fraud rule triggers to keep approvals high and losses low. 
• Lead processor & core-ledger integrations – write detailed interface specs for new (or updated) integrations  
• Partner with Programme Manager & Solution Engineering – ensure new programmes inherit proven processing patterns, meet scheme certification scripts first time and reuse existing digital wallets and KYC flows. 
• Monitor live processing KPIs – approval ratio, average latency, mismatch rate, interchange yield; trigger incident post-mortems when thresholds are breached. 
• Stay two releases ahead – maintain a processing change backlog aligned to Visa/Mastercard release calendars.

Requirements

• 8 years of product management experience in card issuing or transaction processing, ideally within a fast-paced fintech or payments environment. 
• Deep understanding of card scheme protocols (Visa/Mastercard), transaction lifecycles, and ISO8583-based messaging. 
• Strong track record of writing technical specifications and working closely with engineering teams to deliver robust, scalable systems. 
• Experience integrating with third-party processors, payment gateways, and/or ledger systems. 
• Analytical mindset with a passion for monitoring KPIs and driving data-informed improvements. 
• Comfortable managing roadmaps aligned to both business strategy and mandatory regulatory/scheme changes. 
• Excellent communication and cross-functional collaboration skill.
• Based in Malta or open to relocation (full relocation package provided).