Product Manager
Summary
Designs and manages the end-to-end lifecycle of card transactions, including authorization, clearing, and dispute resolution, while integrating with multiple card networks and BIN sponsors in a fintech environment.
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.