(Senior) Product Manager (Card Program)

About Us:

KPay Group (KPay) is a leading fintech company dedicated to empowering businesses of all sizes with simple, smart, seamless and secure technology solutions. Serving over 72,000 merchants across Australia, Hong Kong, Japan and Singapore, KPay is unleashing merchants' growth potential by building a one-stop platform for financial management, business operations and digital transformation. KPay secures a record USD55 million in 2024, marking the largest series A fundraise globally in the payments sector of the year.

Job Duties:

• Lead and execute the end-to-end product strategy of our SME-focused commercial card product.
• Lead product ideation and roadmap, market analysis, business case development, and go-to-market planning.
• Own and manage the P&L for the commercial card product, with responsibility for revenue targets and cost controls.
• Advise on all aspects of card lifecycle management, including customer onboarding, transaction flows, risk controls, rewards, and retention.
• Collaborate with cross-functional teams (product, engineering, compliance, operations, marketing, partners) and external partners/vendors to deliver a high-impact card product.
• Set key metrics and drive product performance, collect user feedback, and iterate to optimize product-market fit.
• Ensure full compliance with regulatory and card scheme requirements.
• Champion the voice of the SME merchant throughout the product journey.

Job Requirements:

• Proven experience in product strategy, product management, or business management for card products, payments, or fintech, with a strong track record of delivering new products to market.
• Experience with card network integration (Visa, Mastercard, or similar), BIN sponsorships, and payment processing flows.
• Deep understanding of the commercial card ecosystem, including product development, issuing, program management, transaction processing, and lifecycle management.
• Knowledge of regulatory, compliance, and risk management for card products (KYC, AML, PCI-DSS).
• Familiarity with credit and settlement operations, including billing, statements, chargebacks, and collections.
• Track record of building and launching new financial products, ideally for SME customers.
• Ability to manage relationships with vendors and partners (processors, card manufacturers, KYC/AML providers, etc.).
• Demonstrated experience managing product P&L, setting KPIs, and driving financial performance.
• Strategic thinker with a data-driven approach to market adoption and growth.
• Entrepreneurial spirit and a proactive, self-starter attitude.
• Bachelor’s degree in a relevant field (Business, Finance, Economics, or related); an MBA or advanced degree is a plus.