Product Lead - Card Issuing

At Breeze, we're building the AI-powered infrastructure layer for global commerce, making it radically simpler for businesses to sell, get paid, and operate across markets.

We go far beyond traditional payment processing. Breeze combines global payments, AI, stablecoins, and a Merchant of Record-like model to take on the complexity businesses typically manage themselves, including compliance, risk, fraud, chargebacks, reconciliation, and customer support.

Our goal is simple: let businesses focus on building and selling great products while Breeze handles the complexity behind getting paid.

Backed by Sequoia Capital, Multicoin Capital, and The Chainsmokers, Breeze is a successful, rapidly growing, and exceptionally well-capitalized company. We have the runway to think long term while remaining early enough that every person joining today can have a meaningful impact on what we build.

Overview

We are hiring for for a Lead Product Manager, Card Issuing to build and scale Breeze’s card issuing platform from the ground up.

This is a true 0 to 1 product opportunity. You will own the strategy, development, launch, and ongoing iteration of our card program, from standing up the underlying issuing infrastructure to building the customer experiences that sit on top of it.

This role goes far beyond launching a physical or virtual card. You will help define how the entire card program operates, including its economics, transaction flows, ledgering, reconciliation, risk controls, operational processes, and customer experience.

You will work at the intersection of payments, banking infrastructure, risk, compliance, finance, operations, and product. We are looking for someone who has built card products before, understands what happens throughout the full transaction lifecycle, and is excited to build again in a fast-moving environment.

What You’ll Do

• Own Breeze’s card issuing product end to end, defining the strategy, roadmap, and operating model from 0 to 1 launch through scale
• Build and launch physical and virtual card products, including activation, card controls, spending limits, real-time notifications, tokenization, digital wallets, and Apple Pay and Google Pay integrations
• Own the full card transaction lifecycle, from authorization, clearing, and settlement through refunds, reversals, disputes, chargebacks, and reconciliation
• Build the infrastructure and partnerships required to scale, working closely with Engineering and external partners including issuing banks, BIN sponsors, processors, networks, and card manufacturers
• Shape the economics of the card program, optimizing interchange revenue, network and processing costs, fraud losses, rewards, operational costs, and overall customer value
• Partner across Risk, Compliance, Engineering, and Operations to build scalable ledgering, reconciliation, fraud, KYC, servicing, and reporting capabilities
• Use data to continuously improve the product, leveraging customer feedback, transaction data, authorization rates, fraud metrics, and program economics to identify opportunities and anticipate risks
• Make thoughtful product tradeoffs across customer experience, technical complexity, speed, compliance, risk, and economics as the program grows

What We’re Looking For

• 6+ years of Product Management experience, ideally across fintech, payments, banking, embedded finance, or crypto
• Proven experience launching a card issuing product from 0 to 1 or leading a significant expansion of an existing card program
• Deep understanding of the card transaction lifecycle, including authorization, clearing, settlement, refunds, disputes, and reconciliation
• Strong understanding of card program infrastructure and economics, including interchange, network and processing costs, fraud losses, rewards, and operational expenses
• Experience working closely with Engineering on complex financial systems, including ledgering, reconciliation, and transaction processing
• Experience managing relationships and integrations with issuing banks, processors, BIN sponsors, payment networks, or embedded finance partners
• Strong technical and product judgment, with the ability to make thoughtful decisions across customer experience, risk, compliance, economics, and technical complexity
• A builder mentality with the ability to move quickly, take ownership, and navigate ambiguity without an established playbook

Nice to Have

• Experience in an early-stage or high-growth startup environment
• Experience with physical and virtual card issuance, manufacturing, fulfillment, and lifecycle management
• Experience with tokenization, digital wallet provisioning, Apple Pay, or Google Pay
• Experience building card controls, spending limits, rewards, or other cardholder experiences
• Experience with KYC/KYB, fraud prevention, transaction monitoring, disputes, or chargebacks
• Experience with embedded finance, Banking as a Service, consumer wallets, or financial applications
• Experience with crypto, stablecoins, blockchain-based payments, or digital wallets

Our Compensation Philosophy!

The annual base salary range for this role is $195,000-$230,000 in New York. This range represents the minimum and maximum annual base salary that Breeze, in good faith, expects to pay for this position at the time of posting. Actual compensation will be determined based on factors including a candidate’s experience, skills, and qualifications.

For candidates outside of New York, compensation will be based on the applicable market and location-based pay range.

The base salary range listed excludes commission (if applicable), equity, and benefits.

Benefits & Perks

• Health coverage: Breeze covers 100% of employee premiums on our competitive base plan and 75% of dependent premiums.
• PTO: 21 days, plus applicable company holidays.
• 401(k): Breeze covers all plan administration fees.
• Equity: Meaningful ownership in the company you're helping build.
• Equipment: A new MacBook Air and whatever else you need to do your best work.
• Office & education allowance: An annual budget for your workspace, tools, and professional development.
• Wellness: A monthly reimbursement to support your well-being.
• Annual global offsite: We bring the global Breeze team together every year. Previous destinations include Bali and Singapore, with Japan coming next.

Breeze is an equal opportunity employer. We are committed to providing equal employment opportunities to all applicants and employees without regard to race, color, religion or creed, national origin, ancestry, citizenship or immigration status, sex, pregnancy, sexual orientation, gender, gender identity or expression, age, marital or partnership status, caregiver status, disability, genetic information, military or veteran status, height or weight, sexual and reproductive health decisions, status as a victim of domestic violence, sexual violence, or stalking, or any other characteristic protected by applicable federal, state, or local law.

Breeze considers qualified applicants with criminal histories in accordance with applicable federal, state, and local laws, including the New York City Fair Chance Act, where applicable.

Why Join Breeze

• Make an outsized impact: We're successful and still early, with meaningful traction and strong financial foundations. Lean teams, few layers, and direct access to decision-makers mean you'll have real ownership and the autonomy to make things happen.
• Solve hard, meaningful problems: Work at the intersection of AI, payments, stablecoins, risk, compliance, financial infrastructure, and global commerce as we build an intelligent infrastructure layer that goes far beyond payments.
• Build AI-first: AI isn't an add-on. It's central to how we're building our products and how our teams operate. You'll experiment with new tools, automate the repetitive, and continuously rethink how to work smarter.
• Work with an exceptional team: Join ambitious, curious, low-ego people who move quickly, hold a high bar, and care deeply about what they build.
• Grow with Breeze: As Breeze grows, strong performers can quickly expand their scope and take on bigger problems.
• Build for the long term: Backed by Sequoia Capital, Multicoin Capital, and The Chainsmokers, we're exceptionally well-capitalized with the runway to think big.

In-Office Expectations

Employees based in our New York City, NY office follow a hybrid work model and are expected to work from the office three days per week. Employees based in our Singapore office are expected to work on-site five days per week.

In-office expectations may vary slightly depending on role, team, and business needs. Certain roles that require closer cross-functional collaboration or operational support may have additional requirements, which will be discussed during the interview process.

Our approach is designed to support meaningful in-person collaboration, team building, and real-time decision-making while providing flexibility where applicable. We believe this structure enables strong execution, close collaboration, and effective teamwork across our global offices.

Come Build With Us!

We offer a rare combination: the ownership and speed of an early-stage company with the traction, backing, and financial foundations of a successful business.

We're building at the convergence of AI, payments, stablecoins, financial infrastructure, and global commerce. The opportunity is much bigger than building another payment processor.

We're building the intelligent infrastructure layer for global commerce, and there's still an enormous amount left to build.

If you want meaningful ownership, hard problems, exceptional teammates, and the opportunity to help define what comes next, we'd love to hear from you!