Our partner is looking for a Senior Product Manager (Card Issuing) based in Spain. This is a senior, hands-on product leadership role focused on a large-scale migration of live card programs between issuing platforms. You will own the product workstream end to end, from documenting current-state configurations to defining the target operating model and migration roadmap.

You will work closely with engineers, architects, processors, schemes, BIN sponsors, and senior client stakeholders to manage complex dependencies and risks. A major focus will be protecting customer experience while migrating live cards, balances, credentials, tokens, and transaction data with minimal disruption. You will also lead readiness, testing, cutover, reconciliation, and post-migration monitoring for high-consequence financial technology changes.

The environment is collaborative and international, requiring strong ownership, technical fluency, commercial judgment, and confident stakeholder leadership. Document current-state card program configurations, including BIN structures, product codes, card profiles, fees, limits, authorization rules, and scheme parameters, and define equivalent target-state configurations. ~ Lead detailed capability and gap analysis between platforms, determining where existing functionality should be replicated, simplified, redesigned, or replaced. ~ Own the cardholder impact strategy, including customer communications, reissuance timing, card-on-file continuity, network tokens, digital wallets, and measures to minimize customer disruption. ~ Define data migration requirements for card, account, balance, and transaction information,



including reconciliation, validation, and data-quality criteria. ~ Own migration readiness, including test strategy, scheme certification, parallel running, dress rehearsals, go/no-go criteria, rollback procedures, and contingency planning. ~ Ensure migrated programs continue to meet applicable regulatory, security, and scheme requirements, including PCI DSS, SCA/PSD2, and relevant local obligations. ~ Serve as the senior product contact for client stakeholders across product, operations, risk, fraud, and technology, communicating progress, risks, decisions, and trade-offs to executive audiences. ~ Monitor post-migration performance, including authorization rates, decline patterns, token continuity, fraud indicators, and operational incidents, and lead remediation initiatives where required. ~ Use AI and LLM tools appropriately to accelerate requirement drafting, configuration mapping, analysis, and documentation while validating outputs through expert judgment and domain knowledge. Deep practical knowledge of card issuing, including card program structures, product and card-profile configuration, BIN structures and sponsorship, card lifecycle management, and issuer processing. ~ Strong understanding of authorization, clearing,



and settlement flows and how issuing-platform configuration influences these processes. ~ Working knowledge of Visa and Mastercard scheme rules, certification processes, BIN registration, licensing, and mandated changes. ~ Familiarity with network tokenization and digital wallets such as Apple Pay, Google Pay, and Click to Pay, including migration implications for existing tokens and credentials. ~ Understanding of issuing-related regulatory and compliance requirements, including PCI DSS, SCA/PSD2, and applicable local regulations. ~ Strong technical fluency, with the ability to work effectively with architects and engineers on APIs, data models, file formats, integrations, and technical trade-offs without necessarily writing production code. ~ Proven ability to establish and defend product priorities and scope decisions while balancing commercial, technical, operational, and regulatory constraints. ~ Experience working directly with senior client stakeholders and managing competing priorities across business and technical teams. ~ Exposure to multiple card products, including debit, credit, prepaid, commercial, and virtual cards, is an asset. ~ Familiarity with ISO 8583, ISO 20022, EMV personalization, card production, fulfillment, embossing, card bureau operations, and PIN management is an asset. ~ Full-time remote position. ~ Senior-level ownership across product strategy, technical delivery, client engagement, and migration execution. ~ Equal-opportunity workplace welcoming qualified candidates from diverse backgrounds. ~

📌 Senior Product Lead (Madrid)
🏢 Jobgether
📍 Madrid