Full-Time
Senior Card Issuance Product Manager
Card Issuance
Nium
1,001-5,000 employees
Real-time cross-border payments and FX platform
Compensation Overview
$164k - $205k/yr
San Francisco, CA, USA
Hybrid
Three days on-site per week required.
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- 6+ years of product management experience, with at least 3 years in card issuance, card processing, or a closely adjacent payments domain.
- Hands-on experience with card scheme protocols (Visa and/or Mastercard), transaction lifecycles (authorization, clearing, settlement, chargebacks), and ISO 8583 messaging.
- Demonstrated ability to write detailed technical specifications and work shoulder-to- shoulder with engineering and architecture teams.
- Proven track record of launching and scaling card products internationally across multiple markets and regulatory environments.
- Strong command of AI productivity tools integrated into daily PM practice — including tools for requirements drafting, data analysis, user research synthesis, and workflow automation.
- Understanding of stablecoins: mechanics of fiat-backed stablecoins, mint/burn flows, on-chain settlement, and their applicability to card-based payment rails.
- Analytical rigour—comfortable forming and testing hypotheses with data, running A/B experiments, and defining success metrics before building.
- Excellent communication and influencing skills; able to present complex technical and regulatory trade-offs to senior leadership and external clients.
- Own and evolve the Card Issuance product roadmap, balancing near-term client demands with long-term platform vision.
- Identify market opportunities in card-linked stablecoin settlement, AI-powered card controls, and embedded finance, and translate them into a prioritised backlog.
- Conduct competitive analysis and customer research to stay ahead of trends in card issuing, tokenisation, and digital money.
- Write precise product requirements, API specs, and user stories for engineering teams building card authorisation, clearing, settlement, and lifecycle management flows.
- Drive integrations with card schemes (Visa, Mastercard, Discover), issuer processors, and digital wallet providers, ensuring compliance with scheme certification requirements.
- Partner with engineering to evaluate and integrate AI-powered tooling into card operations workflows—such as real-time fraud scoring, spend analytics, and automated dispute management.
- Lead the definition of stablecoin-to-card settlement flows, working with treasury, compliance, and engineering to design compliant, scalable infrastructure.
- Act as the primary product interface for strategic B2B clients, translating their card programme needs into platform requirements.
- Collaborate with Regulatory, Compliance, and Risk teams to understand market-specific requirements and embed them into the product.
- Partner with the Programme Manager, Solution Engineering, and Sales to ensure new card programmes are onboarded smoothly and leverage existing platform capabilities.
- Define and monitor key card product KPIs (approval rates, dispute rates, time-to-card, revenue per card) and drive data-informed improvements.
- Champion data instrumentation across card features to enable self-serve analytics for internal and client-facing stakeholders.
- Leverage AI tools to accelerate insight generation, reduce manual overhead in PM workflows, and improve the quality and speed of product decision-making
- Experience at a card issuer processor or a card network.
- Exposure to tokenisation (network tokenisation, digital wallets such as Apple Pay / Google Pay).
- Hands-on experience designing or launching a stablecoin-funded card or settlement product.
- Familiarity with regulatory frameworks governing e-money, prepaid cards, and digital assets across APAC, EU, or US markets.
- Experience working in a global, multi-timezone product team serving diverse B2B clients.
Nium provides a real-time global payments platform for businesses, including banks, fintechs, and money services. It uses a proprietary API to connect a company’s systems to instant cross-border transfers, foreign exchange management, and payment processing. The platform supports corporate purchasing, supplier payments, and travel payments, with flexible funding and direct debit options to fit different business needs. Its goal is to streamline global money movement, improve efficiency, and reduce costs for enterprise clients.
Company Size
1,001-5,000
Company Stage
Series E
Total Funding
$314M
Headquarters
San Francisco, California
Founded
2016
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Simplify's Take
What believers are saying
- April 2026 Coinbase deal and May 2026 Circle partnership expand enterprise stablecoin demand.
- June 2026 revenue reportedly reached $120 million after roughly 50% annual growth.
- Hiring surged in 2026, including CTO, CRCO, and CMO roles, signaling expansion.
What critics are saying
- Visa and Mastercard can compress Nium's margins by bundling similar issuance tools.
- Stablecoin regulation in Singapore, Europe, and the U.S. can delay 2026 product rollouts.
- If Coinbase, Circle, or Cypher integrations fail, Nium's stablecoin strategy loses credibility.
What makes Nium unique
- Nium spans 190+ countries and 40+ licenses, enabling regulated global payouts.
- April 2026 Coinbase integration brought live USDC settlement, custody, and fiat conversion.
- July 2026 Cypher acquisition adds crypto-native wallet and card issuance capabilities.
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Benefits
Health Insurance
Hybrid Work Options
Paid Vacation
Performance Bonus
Stock Options
Professional Development Budget
Mental Health Support
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↓ -1%2 year growth
↑ 0%Nium has acquired Cypher to accelerate its entry into crypto-linked card products. The deal aims to bridge digital assets with traditional card networks by enabling users to spend cryptocurrency at merchants accepting conventional payments. Crypto cards convert digital holdings into fiat at point of sale, eliminating the need for separate off-ramps. By acquiring Cypher, a Y Combinator-backed company, Nium gains existing card issuance and crypto conversion infrastructure rather than building from scratch. The move reflects broader industry interest in everyday crypto payments. Visa has explored stablecoin-linked cards, whilst OKX Ventures recently acquired a 20% stake in Coinone for similar infrastructure expansion. Key questions include which markets will see initial rollout, supported digital assets, and integration speed. Regulatory developments from the SEC and European authorities will influence product launch timelines.
Circle and Nium launch stablecoin settlement partnership. By PYMNTS | May 27, 2026 Nium and Circle have teamed to link stablecoin settlement with global payout infrastructure. The partnership will see the cross-border payments company join Circle's Payments Network (CPN) as a payout partner, the companies said in a Thursday (May 27) news release. This will allow financial institutions to move funds via Circle's USDC stablecoin and settle in local currencies across more than 190 countries. "Traditional and onchain payment rails are converging, and that convergence demands infrastructure that banks, fintechs, and global enterprises can rely on at scale," said Prajit Nanu, founder and CEO of Nium. "By partnering with Circle and joining CPN, we are combining Circle's regulated settlement instrument with Nium's global payout reach to deliver a more seamless way for institutions to move money worldwide." The integration provides CPN participants with direct access to Nium's payout rails through a single interface, supporting transactions in 100 different currencies. This technical connection is designed to streamline the conversion process through integrated foreign exchange (FX) optimization and smart routing. By automating these steps, the release added, the companies hope to remove the need for institutions to do things like managing multiple local service providers. "Financial institutions are increasingly looking for ways to use stablecoins to solve persistent payments pain points," said Kash Razzaghi, chief commercial officer at Circle. "Through our partnership with Nium and their integration into Circle Payments Network, we are extending USDC from a settlement instrument into a complete payments flow, helping institutions move money globally with greater speed, transparency, and capital efficiency." In related news, PYMNTS wrote last week about the use of stablecoins in B2B marketplaces, arguing that the figure of this practice might depend less on technological efficiency and more on whether they preserve the credibility, legal certainty and interoperability that took traditional settlement systems decades to develop. "Large marketplaces increasingly orchestrate not only transactions but also treasury functions, supplier payments, financing relationships and liquidity management," the report said. "In many cases, marketplaces already resemble quasi-financial institutions." They hold balances, handle payouts, optimize working capital and facilitate international commerce between participants doing business across multiple jurisdictions. However, most of this activity relies on settlement rails created decades ago. Stablecoins have the potential to compress treasury management, liquidity coordination and payment orchestration into software infrastructure, which could mean faster settlement, automated payouts, and less foreign exchange friction, PYMNTS wrote. "Yet the more stablecoins position themselves as infrastructure, the more they encounter the same constraints that govern all critical financial infrastructure: trust, legal certainty and settlement finality," that report added.
Coinbase and global payments firm Nium have launched a stablecoin integration enabling USD Coin payments and fiat payouts across over 190 countries. Announced by Coinbase CEO Brian Armstrong, the partnership aims to replace slow correspondent banking with stablecoin settlement. Under the arrangement, Coinbase provides stablecoin liquidity, wallet services and regulated custody. Nium's banking, fintech and enterprise clients can fund cross-border transfers in USDC and settle in either USDC or local fiat currency, eliminating the need for prefunded accounts. The integration also supports stablecoin-backed cards accepted at hundreds of millions of merchant locations worldwide. Nium processes approximately $8 billion in annual payment volume and operates under more than 40 licences globally. USDC's circulating supply currently stands near $70 billion, making it the second-largest stablecoin by market value.
Nium has partnered with Coinbase to integrate USDC stablecoin payments into its cross-border payments platform. The integration allows Nium's clients to send and receive stablecoins and convert them into fiat currency for payouts. Coinbase will provide stablecoin payments infrastructure, liquidity and act as the regulated custodian and wallet provider. The service is now live across Nium's network, which spans 40+ licences and 190+ countries. The partnership enables cross-border payouts funded in USDC, with settlement available in either USDC or fiat. Businesses holding stablecoin balances can also launch USDC-backed card programmes for spending at merchant locations. The announcement follows Nium's recent launch of a stablecoin card issuance platform.
Nium and Coinbase launch USDC payments across global network. Nium provides a global payment network and licenses in 190+ countries, while Coinbase provides the stablecoin infrastructure. Last updated: 2 hours ago Published 2 hours ago Key Highlights * Nium and Coinbase partnered to enable USDC payments across Nium's global network in over 190 countries. * Businesses can use USDC and convert it to local currency on a single platform. * The system also allows USDC to be used for card payments, letting businesses spend their stablecoin at any merchants wherever cards are accepted. Nium, a real-time payment platform based in Singapore, today announced that it has teamed up with crypto exchange Coinbase to roll out support for USDC across its global payments system. According to the official announcement, the integration is already live for clients, meaning businesses can now send, receive, and settle transactions using USDC within the same platform they use for fiat payments. One platform for crypto and fiat. Coinbase provides the core infrastructure, including wallets, liquidity, and regulated custody, while Nium connects these functions to its global payment network, which spans more than 190 countries and over 40 licenses. Through this setup, companies using Nium can manage both digital and traditional currencies in one place. They can receive USDC, hold it, or convert it into fiat for payouts without switching platforms. The system also allows stablecoin-to-fiat conversion at the point of payment, allowing funds to move directly into local bank accounts when needed. This removes the extra steps usually involved in cross-border settlement. Businesses can also fund payouts using USDC instead of holding large pre-funded balances in different regions, supporting what is known as just-in-time liquidity, where money is deployed only when required rather than sitting idle across accounts in multiple countries. Spending USDC with cards. The system also connects to card payments. The firm said that businesses holding USDC can spend their funds using cards, enabling use at physical and online merchants wherever card payments are accepted. Coinbase handles the back-end system that makes this work. The company's APIs power it, including handing custody and wallet services, while Nium handles distribution across global payment corridors. Together, both systems combine on-chain infrastructure with traditional financial rails, creating a single operational flow for international money movement. Prajit Nanu, CEO and Founder of Nium, commented on the collaboration, stating, "The future of money movement is multi-rail. Fiat and onchain infrastructure will increasingly work together, not in isolation. This partnership with Coinbase makes that future operational today - giving our clients a single platform to send, receive and spend stablecoins at scale ahead of a fundamental shift in how money moves." On the Coinbase side, Alec Lovett, Head of Infrastructure Products, said, "Stablecoins are transforming how money moves globally, and Coinbase is committed to enabling their use at an institutional scale." Broader context. The rollout reflects a wider movement in financial systems where stablecoins are moving beyond trading use and into core payment operations. Instead of relying heavily on slow bank transfers or holding money in many countries, companies can now use one system to handle everything. Nium and Coinbase position this integration as a bridge between digital asset networks and traditional banking infrastructure, with USDC acting as the settlement layer across global payment flows. This development also comes as Circle, the issuer of USDC, faces legal issues for how it handled the recent exploit on Drift protocol, which resulted in a $280 million loss. Disclaimer: The information researched and reported by The Crypto Times is for informational purposes only and is not a substitute for professional financial advice. Investing in crypto assets involves significant risk due to market volatility. Always Do Your Own Research (DYOR) and consult with a qualified Financial Advisor before making any investment decisions. Iyiola is an experienced crypto writer specializing in simplifying complex blockchain and cryptocurrency topics for a broad audience. With expertise in ICOs, DeFi, NFTs, and regulatory updates, he offers valuable insights to help readers make informed decisions.