Job Title: Wallet & Card Program Manager Department / Division: Wallet & Card Product Position Type: Full - Time Location: Alcobendas, (Madrid, Spain) Reports To: Director Wallet & Card Program Description

We are seeking a Wallets & Card Program Manager to lead the strategy, design, and technical implementation of our digital wallet and debit card programs in Europe. This role sits at the intersection of product, payments technology, and regulatory compliance, and will own the end-to-end lifecycle of wallet and card solutions — from product vision to scheme integration, launch, and optimization. The idóneo candidate combines strong product thinking with hands-on understanding of Payment Accounts, card issuing payment rails, digital wallets and core banking integrations.

What You’ll Own

Define and execute the strategic roadmap for Payment Accounts, Debit Cards, and Digital Wallet capabilities, aligning with company growth strategy, regulatory requirements, and market opportunities

Continuously evaluate market trends, competitive offerings, and customers need to identify opportunities for new product features, monetization models.

Design and oversee the end-to-end card and wallet ecosystem architecture, integrating internal and external systems

Drive end-to-end testing and validation to ensure Accounts and Card functionalities operate seamlessly across all platforms during each product implementation and release

Prioritize initiatives and maintain a structured product backlog and delivery roadmap balancing regulatory, operational, and customer experience needs.





Gather and prioritize requirements from internal stakeholders including business, operations, compliance, and customer support

Define functional requirements and translate business requirements into clear product specifications for core banking capabilities supporting payment accounts and Cards

Drive innovation in wallet functionality includes card controls, real-time payments, tokenized payments, APY, Multicurrency and digital banking capabilities.

Manage strategic relationships with card schemes (e.g., Visa / Mastercard), card processors, and other payment infrastructure providers

Define and manage the full product lifecycle of Payment Account and Card products

Ensure operational teams have the processes, tools, and documentation needed to support payment products effectively

Ensure strong program governance, tracking delivery progress, managing risks, and ensuring timely resolution of blockers Competencies

Strategic thinking with strong execution mindset

Strong technical fluency

Structured program management

Data-driven decision making

Vendor management expertise

Excellent stakeholder communication skills Experience, Skills and Abilities

What We’re Looking For

5+ years in fintech, payments, or digital banking

Hands-on experience with card issuing programs and digital wallet integrations

Experience working with third-party processors and core banking platforms

Ability to translate strategy into scalable product This is a high-impact role for someone who can bridge product vision and technical execution to build best-in-class wallet and card experiences

📌 Wallet & Card Program Manager (Madrid)
🏢 Ria Money Transfer
📍 Madrid