Nium, the global leader in real-time, cross-border payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. With the onset of the global economy, its payments infrastructure is shaping how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders.

Its payout network supports 100 currencies and spans more than 220 markets, of which over 100 are in real time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 35 markets. Nium’s growing card issuance business is already available in 34 countries.

Nium holds regulatory licenses and authorizations in more than 40 countries, enabling seamless onboarding, rapid integration, and compliance – independent of geography. The company is co-headquartered in San Francisco and Singapore.

Senior Program Manager – Cards at Nium – lead the planning, execution, and delivery of complex card programs and initiatives across multiple geographies. Work cross-functionally with product, engineering, compliance, operations, and external partners to launch and scale innovative card solutions. This is a strategic and hands‑on role requiring deep understanding of card issuing, program management, and fintech ecosystems.

Responsibilities

Work with the Solution Engineering team from day one: co‑design architecture and funding flows so the programme meets Visa/Mastercard rulebooks while maximising interchange and incentive eligibility.

Own every issuing launch: steer the full life‑cycle from contract through scheme certification, first transactions, initial (T+90) white glove treatment and BAU hand‑over.

Master the issuing critical path – schedule and deliver chip‑profile creation, personalisation bureau onboarding, VTS/MDES token provisioning, 3DS 2.x enablement and digital wallet integrations (Apple Pay / Google Pay).

Lead the cross‑functional teams – align processor, scheme compliance and fulfilment partners to hit scheme and technical readiness gates on time.





Police scheme compliance – lock down scheme attestations, etc.; escalates any blocker.

Hand‑over programme to operations – deliver run‑books for programme management to operations.

Review programme compliance continuously – run quarterly audits against the latest scheme bulletins; log gaps, assign owners and track closure to guarantee ongoing rule adherence.

Requirements

At least 8 years of experience in program management, with at least 4 years focused on card issuing or payments.

Proven track record of delivering complex, multi‑stakeholder programmes in fintech or financial services.

Deep knowledge of card issuing platforms, network rules (Visa/Mastercard), and payment flows.

Exceptional communication and stakeholder‑management skills.

Strong analytical, planning, and organisational skills.

Experience working in a fast‑paced, integral, and cross‑functional environment.

PMP, PRINCE2, or Agile certification is a plus.

Based in Malta or open to relocation (full relocation package provided).

What we offer at Nium We Value Performance

– Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programmes, we ensure that all our employees are well rewarded and incentivised for their hard work.

We Care

– The wellness of Nium’ers is our #1 priority. We offer medical coverage along with 24/7 employee assistance programme, generous vacation programmes including our year‑end shut‑down. We also provide a flexible hybrid working environment (3 days per week in the office).

We Upskill Ourselves

– We are curious,



and always want to learn more with a focus on upskilling ourselves. We provide role‑specific training, internal workshops, and a learning stipend.

We Constantly Innovate

– Since our inception, Nium has received constant recognition and awards for how we approach both our business and talent opportunities. Check out CNBC World’s Top Fintech Companies 2024.

We Celebrate Together

– We recognise that work is also about creating great relationships with each other. We celebrate together with company‑wide social events, team bonding activities, happy hours, team off‑sites, and much more!

We Thrive With Diversity

– Nium is truly a global company, with more than 33 nationalities, based in 18+ countries and more than 10 office locations. As an equal‑opportunity employer, we are committed to providing a safe and welcoming environment for everyone.

For more detailed region‑specific benefits: https://www.nium.com/careers#careers-perks For more information visit https://www.nium.com

Depending on your location, certain laws may regulate the way Nium manages the data of candidates. By submitting your job application, you are agreeing and acknowledging that you have read and understand our Candidate Privacy Notice located at https://www.nium.com/privacy/candidate-privacy-notice.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analysing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgement. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Seniority level

Not Applicable

Employment type

Full‑time

Job function

Project Management and Information Technology

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📌 Senior Program Manager - Cards (Madrid)
🏢 Nium
📍 Madrid