Product Director, Core Banking and Payments

About the role

As a Product Director at Crypto.com, you will be responsible for shaping the product strategy for Core Banking and Payments. Your work will involve building and optimizing cross-border payment infrastructure to ensure seamless access for millions of clients worldwide.

You will lead efforts to enhance payment acceptance across various channels and manage banking partnerships to maintain liquidity for user transactions. Success in this role requires a strong background in payment systems, along with the ability to negotiate and integrate banking solutions effectively.

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

Who this role suits

• A candidate with over 7 years of experience in payment infrastructure or core banking products.
• Someone who thrives in high-volume, real-time environments and has a proven track record of building scalable payment solutions.
• An individual with strong people management skills and the ability to collaborate across various teams.

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.