Job description

Nium, Global Leader in Payments 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 220+ markets, 100 of which 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. About the Role Nium is looking for a VP - Product to lead the strategy, commercial performance, and end-to-end evolution of our global payments product portfolio, with particular focus on payments infrastructure, card issuance, and stablecoins/digital assets. Reporting directly to the CEO, this highly visible leader will translate company strategy into differentiated products that create measurable value for customers and the business. You will operate as a mini-GM and true product owner for your portfolio - accountable not only for vision and delivery, but also for market fit, go-to-market readiness, adoption, revenue, margin, and long-term performance. You will work at the intersection of product, technology, commercial strategy, financial infrastructure, and regulation, partnering closely with Engineering, Sales, Marketing, Network & Partnerships, Treasury, Compliance, Operations, and senior leadership across Nium. This is not a purely strategic leadership role. The successful candidate will move comfortably between long-term product vision, customer and market research, commercial decisions, technical architecture, go-to-market execution, and detailed product trade-offs. What You'll Do Operate as the mini-GM and accountable product owner for a significant portfolio spanning payments, card issuance, and emerging stablecoin capabilities, with clear ownership of product outcomes and business performance. Own the complete product lifecycle - from customer discovery, market research, opportunity sizing, and business case development through roadmap prioritization, build, launch, go-to-market, adoption, optimization, and eventual product retirement. Set the product vision, strategy, and roadmap, partnering directly with the CEO and executive leadership team to translate company priorities into focused investments and measurable outcomes, and represent Product in executive, board-level, strategic partner, and key customer discussions. Own the commercial success of the portfolio by shaping business cases, pricing, packaging, monetization, and investment decisions, and by managing performance against revenue, payment volume, margin, adoption, retention, and return-on-investment goals. Partner deeply with Sales, Marketing, Solutions, and Customer Success to define target segments, sharpen value propositions, build go-to-market plans, enable commercial teams, support strategic deals, and accelerate adoption. Build a disciplined customer-insight engine through direct customer engagement, win/loss analysis, qualitative and quantitative research, and continuous validation of customer problems and product-market fit. Maintain a strong view of the competitive landscape, emerging technologies, customer expectations, and market structure; translate those insights into product differentiation, build/partner/buy decisions, and strategic advantage. Use AI tools fluently, effectively, and responsibly to accelerate research, insight synthesis, decision-making, and day-to-day product execution within appropriate security and governance controls. Lead, develop, and scale a high-performing product organization, establishing strong standards for discovery, prioritization, execution, accountability, and commercial thinking. Drive the evolution of Nium's global money-movement capabilities, including cross-border payments, real-time payment rails, collections, FX, accounts/wallets, and settlement infrastructure. Lead the strategy for Nium's card-issuance platform, including virtual and physical cards, issuer processing, card lifecycle management, authorization, controls, tokenization, and Visa/Mastercard network capabilities. Define Nium's stablecoin and digital-asset product strategy, identifying practical opportunities across cross-border payments, treasury, settlement, liquidity, and card products while balancing customer value, scalability, regulation, and operational complexity. Champion an API-first platform strategy and partner with Engineering and Architecture to deliver scalable, resilient infrastructure across authorization, clearing, settlement, ledgering, reconciliation, APIs, webhooks, and developer tooling. Partner with Compliance, Legal, Treasury, Risk, Network, and Operations to launch and scale products responsibly across multiple markets and regulatory environments. What We're Looking For Significant product leadership experience in fintech, payments, banking infrastructure, card networks, or financial technology, including experience leading senior product teams. A product-owner and mini-GM mindset, with a record of owning strategy, execution, commercial outcomes, and portfolio performance rather than operating as a roadmap manager alone. Deep understanding of payments infrastructure and money movement, ideally spanning cross-border and real-time payments, payment rails, FX, treasury, accounts/wallets, or settlement. Strong experience with card issuance and/or processing, including authorization, clearing and settlement, card lifecycle, issuer processors, BIN sponsorship, tokenization, controls, disputes/chargebacks, and card-scheme requirements. Meaningful knowledge of stablecoins, blockchain-based payments, or digital-asset infrastructure, with the judgment to distinguish practical enterprise use cases from emerging technology trends. Demonstrated end-to-end product leadership, including discovery, research, business cases, development, launch, go-to-market, adoption, optimization, and lifecycle management. Proven commercial ownership, with the ability to connect product decisions to pricing, revenue, payment volume, margin, adoption, retention, unit economics, and strategic differentiation. Experience partnering with Sales and Marketing to define market segments, value propositions, launch strategies, commercial enablement, and growth plans. Strong customer and market orientation, including direct enterprise-customer discovery, market sizing, competitive analysis, and the use of research and data to guide investment decisions. Strong AI fluency, with demonstrated ability to apply AI tools effectively and responsibly across research, discovery, analysis, prototyping, communication, and product execution. Experience building API-first B2B or enterprise platforms and working closely with Engineering on complex technical products. Demonstrated success taking products from 0-to-1 and scaling them globally while navigating ambiguity and making difficult prioritization decisions. Experience operating in highly regulated environments and partnering effectively with Compliance, Legal, Risk, Treasury, Operations, banks, card networks, and other external partners. Strong executive presence and the ability to communicate complex technical, financial, customer, and competitive concepts clearly and influence across functions. A global mindset and experience building products across multiple markets, regulatory environments, currencies, and payment ecosystems. Nice To Have Experience at a high-growth fintech or payments startup, particularly through a period of significant scale. Direct experience launching stablecoin-powered payments, settlement, treasury, or card products. Experience with both traditional payment infrastructure and blockchain-based rails. Experience owning a significant payments, cards, or fintech product P&L. Prior experience working with banks, card networks, issuer processors, payment schemes, liquidity providers, or blockchain infrastructure partners. Experience scaling a product organization while preserving individual accountability, customer proximity, and speed of execution. What Success Looks Like Success means building a clear and differentiated strategy that connects Nium's global payments infrastructure with the next generation of money movement - and converting that strategy into products customers buy, adopt, and expand. You will determine where Nium should invest, what we should build, what we should not build, how we will win in the market, and how quickly we can bring differentiated products to customers - with clear accountability for commercial and customer outcomes. You will also build an organization capable of executing that strategy end to end, developing strong product leaders while creating a culture of customer obsession, market awareness, technical depth, measurable outcomes, and ownership. What we offer at Nium We Value Performance: Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programs, we ensure that all our employees are well rewarded and incentivized 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 program, generous vacation programs 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 recognize 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 offsites, 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: nium.com For more information, visit 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 www.nium.com/privacy/candidate-privacy-notice . Nium provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status. In addition to federal law requirements, Nium complies with applicable state and local laws governing non-discrimination in employment in every location in which the company operates. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. Nium expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status.

Requirements

Must-haves

Nium, Global Leader in Payments
Operate as the mini-GM and accountable product owner for a significant portfolio spanning payments, card issuance, and emerging stablecoin capabilities, with clear ownership of product outcomes and business performance.
Build a disciplined customer-insight engine through direct customer engagement, win/loss analysis, qualitative and quantitative research, and continuous validation of customer problems and product-market fit.
Use AI tools fluently, effectively, and responsibly to accelerate research, insight synthesis, decision-making, and day-to-day product execution within appropriate security and governance controls.
Lead, develop, and scale a high-performing product organization, establishing strong standards for discovery, prioritization, execution, accountability, and commercial thinking.
Drive the evolution of Nium's global money-movement capabilities, including cross-border payments, real-time payment rails, collections, FX, accounts/wallets, and settlement infrastructure.
Lead the strategy for Nium's card-issuance platform, including virtual and physical cards, issuer processing, card lifecycle management, authorization, controls, tokenization, and Visa/Mastercard network capabilities.
Partner with Compliance, Legal, Treasury, Risk, Network, and Operations to launch and scale products responsibly across multiple markets and regulatory environments.
Significant product leadership experience in fintech, payments, banking infrastructure, card networks, or financial technology, including experience leading senior product teams.
A product-owner and mini-GM mindset, with a record of owning strategy, execution, commercial outcomes, and portfolio performance rather than operating as a roadmap manager alone.
Deep understanding of payments infrastructure and money movement, ideally spanning cross-border and real-time payments, payment rails, FX, treasury, accounts/wallets, or settlement.
Meaningful knowledge of stablecoins, blockchain-based payments, or digital-asset infrastructure, with the judgment to distinguish practical enterprise use cases from emerging technology trends.
Demonstrated end-to-end product leadership, including discovery, research, business cases, development, launch, go-to-market, adoption, optimization, and lifecycle management.
Proven commercial ownership, with the ability to connect product decisions to pricing, revenue, payment volume, margin, adoption, retention, unit economics, and strategic differentiation.

Nice-to-haves

Experience at a high-growth fintech or payments startup, particularly through a period of significant scale.
Direct experience launching stablecoin-powered payments, settlement, treasury, or card products.
Experience with both traditional payment infrastructure and blockchain-based rails.
Experience owning a significant payments, cards, or fintech product P&L.
Prior experience working with banks, card networks, issuer processors, payment schemes, liquidity providers, or blockchain infrastructure partners.
Experience scaling a product organization while preserving individual accountability, customer proximity, and speed of execution.
What Success Looks Like
What we offer at Nium
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.
For more information, visit www.nium.com .

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