Product Director, Core Banking and Payments

About the role

This role focuses on building and optimizing Crypto.com's global fiat payment capabilities. The Product Director will be responsible for expanding cross-border payment infrastructure, ensuring broad coverage and high uptime for fiat access. This includes selecting and integrating payment rails to meet speed requirements for trading activities, as well as structuring banking partnerships to maintain liquidity for user payouts and trading settlements. The goal is to enhance the overall payment experience for millions of users.

A key part of the position involves driving improvements in payment acceptance across various channels, such as credit cards, debit cards, and bank transfers. This requires optimizing relationships with payment processors, refining fraud rules, and strengthening compliance logic. The director will also lead commercial negotiations and technical integrations with direct bank partners to secure favorable terms and custom solutions tailored for trading businesses, contributing directly to the platform's operational efficiency and cost-effectiveness.

Success in this role means designing and owning a dynamic routing engine that intelligently selects the best payment rail in real time, considering factors like user segment, jurisdiction, currency, speed, and risk. Additionally, the Product Director will develop compliant and scalable fiat payment solutions for institutional clients, encompassing segregated bank accounts, high-value wire processing, and bulk payout APIs. This requires a deep understanding of payment protocols and strong collaboration with various internal teams.

The listed salary range for this senior role is between $105,000 and $175,000 USD.

Skills that matter here

• payment infrastructure: This role requires building and scaling cross-border payment infrastructure in high-volume, real-time environments.
• core banking products: Experience with core banking platforms and payment scheme integrations like SWIFT, SEPA, FPS, and ACH is essential.
• direct bank integrations: The role involves leading commercial negotiations and technical integrations with direct bank partners, not just white-label PSPs.
• payment orchestration: Candidates should have a track record of leading payment orchestration and dynamic routing logic in production.
• API products: Technical acumen across complex API products, data flows, and payment protocol integrations is required.
• stakeholder management: The role demands excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership.

Who this role suits

• A leader with 7-10+ years of product experience, specifically in payment infrastructure or core banking.
• Someone who has successfully built and scaled cross-border payment rails in high-volume, real-time settings.
• An individual with a background in or significant exposure to trading, exchange, or fintech environments.
• A manager who develops their team and maintains high standards, capable of navigating complex technical and commercial landscapes.

From the employer

Responsibilities:

• Build and optimize cross-border payment infrastructure across all markets, ensuring maximum rail coverage and uptime for fiat access.
• Select and integrate payment rails based on transaction speed requirements (T+0 vs T+1) to support instant trading activities.
• Structure banking partnerships to maintain zero (or near-zero) downtime liquidity for mass user pay-outs and high-frequency trading settlement.
• Drive meaningful improvements in pay-in acceptance across credit card, debit card, and bank transfer channels by optimizing processor relationships, fraud rules, and compliance logic.
• Lead commercial negotiations and technical integrations for direct bank relationships — securing preferential rates, dedicated service levels, and custom solutions tailored to trading businesses.
• Design and own the logic for a dynamic routing engine that selects the optimal rail in real time based on user segment, jurisdiction, currency, speed, and risk profile.
• Build compliant and scalable fiat payment solutions for institutional clients — including segregated bank accounts, high-value wire processing, and bulk pay-out APIs.

Requirements:

• 7–10+ years of product leadership experience, with at least 7 years focused on payment infrastructure or core banking products.
• Demonstrated success building and scaling cross-border payment rails in a high-volume, real-time environment.
• Experience with direct bank integrations (not just white-label PSPs) and commercial partnership negotiation.
• Track record of leading payment orchestration and dynamic routing logic in production.
• Experience building fiat solutions for institutional clients (segregated accounts, wire processing, bulk APIs).
• Background in or significant exposure to trading, exchange, or fintech environments.
• Technical acumen across complex API products, data flows, and payment protocol integrations.
• Hands-on experience with core banking platforms and/or payment scheme integrations (SWIFT, SEPA, FPS, ACH, etc.).
• Experience integrating with bank partners, PSPs, and acquiring processors.
• Strong people management capabilities — you develop and hold a high bar for your team.
• Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership.

Benefits:

• Competitive salary.
• Medical insurance package with extended coverage to dependents.
• Attractive annual leave entitlement including: birthday, work anniversary.
• Work Flexibility Adoption. Flexi-work hour and hybrid or remote set-up.
• Aspire career alternatives through us. Our internal mobility program can offer employees a diverse scope.
• Work Perks: crypto.com visa card provided upon joining.