Product Manager

1. Card Processing Architecture & Lifecycle Design Design the end-to-end transaction lifecycle, including authorization, hold/freeze, clearing, refund, and chargeback/dispute processes. Define transaction state machines and accounting ledger rules to ensure strict financial ledger consistency. Plan multi-tier account structures (e.g., master accounts, sub-accounts, authorization vs. settlement balances). Support transaction specifications across multiple card networks (Visa, Mastercard, UnionPay, etc.). 2. Multi-BIN Sponsor Integration & Management Lead product and technical integrations with various BIN Sponsors and Issuer Banks. Establish a unified BIN integration framework, abstracting differentiated parameters (transaction limits, risk control, KYC, settlement cycles, etc.). Maintain compliance, clearing, and settlement requirements across multiple sponsors, ensuring unified processing logic. Collaborate with Finance, Compliance, and Settlement teams to design multi-sponsor reconciliation and settlement workflows. 3. System Processing & Compliance Governance Architect interface models and integration patterns with card processing systems (e.g., Episode Six, Marqeta, or similar platforms). Ensure transaction processing complies with industry standards, including PCI-DSS, ISO 8583, and 3D Secure (3DS). Drive the systematic implementation of transaction logging, monitoring, and audit mechanisms. 4. Productization & Platform Evolution Abstract transaction and BIN management logic into standardized, modular API products. Scale the platform architecture to support multi-BIN, multi-currency, and multi-settlement node capabilities. Continuously track global card issuing and processing technology trends to optimize system performance and stability. Basic Requirements: Bachelor’s degree or above in Computer Science, Information Systems, Fintech, or related fields. Minimum 5+ years of experience in product management or system design, with at least 2 years focused on card issuing processing, accounting ledger, or clearing & settlement . Familiarity with modern card processing platforms such as Episode Six, Marqeta, or similar systems. Hands-on experience in integrating and managing multi-BIN Sponsors / Issuer Banks. Deep understanding of transaction lifecycles, accounting logic, and reconciliation mechanisms.