Staff Product Manager - Card Processing at Nium

London, England, United Kingdom

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Not SpecifiedCompensation

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

Full TimeJob Type

UnknownVisa

Fintech, PaymentsIndustries

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 skills

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

Skills

Product Management

Card Processing

Transaction Authorisation

Clearing

Settlement

Ledger Posting

Reconciliation

Chargebacks

Scheme Bulletins

User Stories

Interface Specifications

Payment Schemes

Nium

Global platform for real-time payments

About Nium

Nium provides real-time payment solutions that enable businesses to send and receive funds instantly, manage foreign exchange transactions, and prevent fraud. Its platform, powered by a proprietary API, allows banks, fintech companies, and money service businesses to integrate services for efficient cross-border money movement. Nium stands out by offering competitive foreign exchange rates and solutions for corporate purchasing and travel payments. The company's goal is to streamline financial transactions for businesses globally while charging fees for its services.

San Francisco, CaliforniaHeadquarters

2016Year Founded

$305.4MTotal Funding

SERIES_ECompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health Insurance

Hybrid Work Options

Paid Vacation

Performance Bonus

Stock Options

Professional Development Budget

Mental Health Support

Risks

Increased competition from Loop and EQ Bank's multi-currency Global Visa Card.

Regulatory challenges in diverse African markets could impact partnership with Ecobank.

Technological integration issues may arise with Partior's blockchain-based payment system.

Differentiation

Nium offers real-time cross-border payments, enhancing speed and efficiency for businesses.

The company provides a proprietary API for seamless integration into existing business systems.

Nium's platform supports multiple payment schemes, including Visa, Mastercard, and Diners Club.

Upsides

Partnership with Ecobank expands Nium's reach to 35 African markets, boosting market presence.

Collaboration with Partior enhances transaction transparency and speed via blockchain technology.

Launch of Diners Club International Card increases flexibility for travel industry customers.

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