Product Director - Payment & Banking at Crypto.com

Madrid, Community of Madrid, Spain

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Cryptocurrency, BankingIndustries

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
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
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
In-depth understanding of US banking regulations and practices (huge advantage)

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)

Skills

Key technologies and capabilities for this role

Product ManagementTreasury ProductsBanking PartnershipsUS Banking RegulationsPayment ProcessingFraud PreventionRegulatory ComplianceCommercial NegotiationsTechnical IntegrationsPayment OrchestrationDynamic RoutingFiat On-RampLiquidity ManagementSettlement Systems

Questions & Answers

Common questions about this position

What experience level is required for the Product Director role?

A minimum of 10+ years of product leadership focused on building and optimizing cross-border payment infrastructure is required, though less experienced candidates can be considered for Principal/Lead roles.

What are the key skills needed for this position?

Key skills include expert understanding of Treasury Products and banking partnerships, experience in payment orchestration and routing, proven ability to optimize transaction acceptance rates, and strategic bank partnership negotiations, with in-depth knowledge of US banking regulations as a huge advantage.

What is the salary or compensation for this role?

This information is not specified in the job description.

Is this a remote position or does it require office work?

This information is not specified in the job description.

What makes a strong candidate for this Product Director role?

Strong candidates have 10+ years in payment infrastructure, hands-on experience with payment rails and US banking regulations, a data-informed user-focused approach, technical aptitude for APIs, and the ability to manage C-level stakeholders while meeting tight deadlines.

Crypto.com

Cryptocurrency trading and financial services platform

About Crypto.com

Crypto.com provides a platform for trading and managing cryptocurrencies, catering to over 100 million customers worldwide. Users can buy, sell, and store various cryptocurrencies while benefiting from services like transaction processing and card issuance. The platform generates revenue primarily through transaction fees and premium services, ensuring a secure and user-friendly experience. What sets Crypto.com apart from its competitors is its strong focus on regulatory compliance, security, and privacy certifications, which builds trust among users. The company's goal is to accelerate cryptocurrency adoption, aiming to have 'Cryptocurrency in Every Wallet™' and to support builders and entrepreneurs in creating a more equitable digital ecosystem.

Central and Western District, Hong KongHeadquarters

2016Year Founded

$24.3MTotal Funding

SERIES_ACompany Stage

Fintech, Crypto & Web3Industries

5,001-10,000Employees

Benefits

Competitive compensation package.

Huge responsibilities from Day 1: Be the owner of your own learning curve. The possibilities are limitless and depend on you

International company and team

Risks

Regulatory challenges in South Korea could pose compliance risks.

Integration of traditional financial instruments may expose new regulatory risks.

Expansion into Dubai involves navigating complex regulatory landscapes.

Differentiation

Crypto.com offers the world's largest crypto card program with Visa.

The company integrates traditional finance with crypto through strategic acquisitions.

Crypto.com is a leader in regulatory compliance, security, and privacy certifications.

Upsides

Acquisition of Orion expands product offerings in the UAE's crypto-friendly environment.

Growing interest in crypto-based loyalty programs enhances Visa card offerings.

Eco-friendly blockchain solutions align with Crypto.com's sustainability goals.

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