Senior Product Manager – Fintech (Issuing & Payments)
Location: Toronto, ON
Address: 200 Bay Street, North Tower, Suite 9, Toronto, Ontario, M5J 2T6
Employment Type: Full-Time (FTE with Apexon)
About the Role
We are seeking a highly experienced Senior Product Manager with deep expertise in Fintech and Card Issuing to join our client-focused product organization. You will drive innovation across core issuing, payments, fraud, and CRM capabilities while working closely with engineering, design, and cross-functional teams to deliver a world-class banking experience tailored for next-generation workers.
This role requires hands-on experience building or managing card issuing products, strong familiarity with card scheme rules, and prior work with issuing processors like Marqeta, Galileo, Fiserv, Payfare, or Zeta.
Key Responsibilities
Product Ownership & Strategy
- Own the product roadmap for issuing, payments, and fraud-related features.
- Lead the development and enhancement of card issuing capabilities including authorization, disputes, clearing, and settlement.
- Drive strategic decisions balancing short-term needs with long-term business vision.
Payments, Issuing & Integrations
- Build and enhance payment services with exceptional end-user experience.
- Integrate third‑party services and issuing processors (e.g., Marqeta, Galileo, Fiserv, Payfare).
- Ensure solutions align with Visa/Mastercard scheme rules and issuing best practices.
- Collaborate with risk & compliance teams to develop fraud mitigation, KYC/AML, and risk scoring features.
CRM & Platform Development
- Lead the development of an in-house CRM platform tailored for financial services/fintech.
- Collaborate with engineering to transform requirements into scalable technical specifications.
Execution & Delivery
- Own and manage the product backlog, prioritizing work across sprints.
- Write detailed user stories and ensure they are groomed and ready for development.
- Remove business-level blockers and drive execution across Agile teams.
- Hold product demos for internal and external stakeholders.
User Insights & Operational Excellence
- Review product analytics, feedback, and telemetry to guide product decisions.
- Work with Customer Support to identify, prioritize, and resolve production issues.
- Document functional/non-functional requirements, release notes, and internal updates.
Qualifications & Skills
- 7–12 years of product management experience, ideally in Fintech, card issuing, or payments.
- Deep understanding of the issuing lifecycle (authorization → clearing → settlement → disputes).
- Experience with at least two of the following:
- CRM systems (build or integration, ideally in fintech)
- Payments or fintech product management
- Fraud prevention in payments/banking
- Hands-on experience working with Visa/Mastercard scheme rules.
- Strong background integrating or managing platforms like Marqeta, Galileo, Fiserv, Payfare, Zeta.
- Solid understanding of KYC/AML, risk scoring, fraud management, card lifecycle operations.
- Proven ability to manage mobile and web-based products end-to-end.
- Excellent communication and stakeholder-management skills across technical and business teams.
- Bachelor''s degree in Engineering, Computer Science, or a related field.
Preferred Background
Candidates coming from leading fintech companies such as Stripe, Adyen, Marqeta, Koho, Wealthsimple, Neo Financial, Robinhood, Cash App, Chime, Revolut, Shopify, Coinbase, Nubank, Plaid, Klarna, Razorpay, Zerodha, Groww, etc., will be highly preferred.
Ideal Candidate Profile
- Strong Fintech + Issuing background
- Experience building/managing card issuing programs
- Deep knowledge of authorization, disputes, clearing & settlement
- Experience working with leading issuing processors
- Understands the difference between acquiring and issuing, with issuing being the core skillset
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