Program Manager Card Acquiring & Virtual Issuing

Experience: 8 to 12+ Years

Role Summary

We are looking for a hands-on Program Manager who has already delivered an integrated acquirer ledger issuer virtual card supplier payment solution in production.

You will lead execution, but you must deeply understand the mechanics, tradeoffs, and failure modes because internal expertise is limited.

Candidates must have personally:

• Implemented card acquiring (customer card acceptance)
• Implemented card issuing / virtual cards
• Worked through interchange optimization decisions
• Designed or influenced ledger + reconciliation flows
• Taken a payments solution from design certification production

Required Experience

• 8 12+ years in payments/fintech
• Direct implementation experience with: Card acquirers
• Issuing platforms (virtual cards)
• Deep, practical knowledge of: Interchange (not just definitions real cost tradeoffs)
• MCC enforcement and misuse risks
• Scheme fees, cross-border fees, FX leakage
• Experience owning: Reconciliation logic
• Exception handling
• Payment reporting
• Comfortable reviewing API specs, payment flows, and settlement files

Strongly Preferred

• Experience in travel, OTA, marketplaces, or supplier payments
• Experience where the acquirer issuer
• Experience working with thin margins and cost pressure
• Experience cleaning up or fixing broken payment implementations