Head of Global Card Expansion - Cards

Job Description

We're looking for a Head of Global Card Expansion to own one of the most important parts of Wise's global payments infrastructure.

You'll own the partnerships that underpin both how customers spend with Wise and how they pay Wise. Your decisions will shape the future of the Wise Card, our card funding capabilities, and the commercial partnerships that support millions of customers around the world.

This isn't a traditional partnerships role. You'll own Wise's global strategy across Visa, Mastercard, and our acquiring partners, ensuring they enable our mission. You'll shape how we launch the Wise Card into new markets, how customers fund their Wise Account using cards, and how we build commercial partnerships that improve customer outcomes while strengthening the economics of our global card programmes.

You'll work across Product, Banking & Expansion, Treasury, Finance, Compliance, Legal and Engineering to solve complex problems and help Wise continue to scale globally.

Your mission:

Own Wise's global card partnerships:

• Own our executive relationships with Visa, Mastercard, our issuer banking partners and strategic acquiring partners. Define how Wise works with these organisations globally, aligning commercial strategy, product priorities and expansion goals to create long-term competitive advantage.
• You'll represent Wise in commercial negotiations, product forums and strategic planning, while ensuring our partnerships continue to support Wise's ambitious growth plans globally.

Build and scale the world's best global card programme:

• Define the strategy for Wise's global card programmes across issuing and card acceptance.
• Lead complex commercial negotiations covering network economics, incentives, issuer partnerships, acquiring relationships and long-term commercial frameworks. Own the commercial models that underpin our card business and continually improve the economics of how customers spend with Wise and fund their Wise Account.
• You'll be equally comfortable negotiating a multi-year commercial agreement, reviewing an issuer agreement with Legal, supporting due diligence for a new BIN sponsor or working through scheme documentation to enable a new card feature.

Enable global expansion:

• Partner with regional Banking & Expansion teams to launch the Wise Card into new markets and new legal entities.
• Work directly with regional Visa and Mastercard teams and local partners to define market strategy, remove blockers and accelerate launches. You'll understand that successful expansion requires balancing global consistency with local market realities and you'll enjoy getting into the details to make things happen.

Build compliant, scalable card programmes:

• Work closely with Compliance, Financial Crime and Legal teams to ensure our card partnerships and programmes remain compliant as Wise scales.
• You'll understand how scheme rules, AML and financial crime requirements, issuer obligations and local regulation intersect, and you'll work directly with partners to solve regulatory challenges that enable launches rather than slow them down.
• You're comfortable owning regulatory conversations with external partners and know that strong commercial partnerships are built on strong compliance foundations.

Be Wise's card ecosystem expert:

• Become the company's go-to expert on the global card ecosystem.
• You'll understand the technical, operational and commercial detail behind card schemes, issuer processing, acquiring, settlement, interchange, network economics, certification, digital wallets and payment acceptance.
• You'll use that expertise to influence product strategy, advise Engineering and Product teams, and identify new opportunities for Wise to improve the customer experience.

This role will give you the opportunity to:

• Own some of Wise's most strategic external partnerships and represent Wise with senior leaders across Visa, Mastercard, issuer banks and global acquiring partners.

• Shape the future of one of Wise's fastest-growing products by influencing how the Wise Card expands globally.

• Lead commercial negotiations that directly improve customer outcomes and the economics of Wise's global card programmes.

• Work on complex international launches, partnering with regional teams to bring new card products and payment capabilities to market.

• Solve difficult commercial, technical and regulatory challenges across multiple markets where no playbook exists.

• Define how Wise partners with the global card ecosystem for the next decade while remaining hands-on in making that strategy a reality.

Qualifications

We're not looking for someone who ticks every box, but we'd love to hear from you if you have experience in most of these areas:

• You've worked directly with Visa, Mastercard or both, and know how to navigate large global organisations to get things done.

• You have deep expertise across the card ecosystem, including issuing, acquiring, scheme rules, network economics, commercial models and payment acceptance.

• You've negotiated complex commercial agreements with card schemes, issuer banks or acquiring partners.

• You've launched or scaled card programmes across multiple markets, working closely with schemes, regulators and local banking partners.

• You have experience navigating the regulatory and financial crime requirements that underpin global card programmes and are comfortable working directly with Compliance, Legal and Financial Crime teams to solve complex problems.

• You enjoy rolling up your sleeves and getting into the detail. Whether it's reviewing a contract, solving a launch issue, understanding a scheme rule or modelling commercial economics, you're someone who likes solving problems firsthand.

• You've led complex cross-functional initiatives, bringing together Product, Engineering, Compliance, Legal and Commercial teams to deliver ambitious outcomes.

• Most importantly, you're excited about building the infrastructure that enables millions more people to live and work internationally.

Additional Information

For everyone, everywhere. We're people building money without borders  — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs.

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Compensation: 125000 to 170000 (GBP) (YEARLY)