Product Manager - Cards

Calamatta Cuschieri Moneybase plc is a privately held Fintech Group that operates in Investment Services, Fund Administration, Online Investing, and Payments. With roots dating back to 1971, the Group today is evolving at a fast pace whilst keeping the same core principles, that of providing clients the best service using the latest technology and the top professionals in their field, whilst ensuring the strong governance and ethics.

We are committed to attracting and selecting the very best people to join our team and to creating a workplace that promotes individual career growth; we value our people and their well-being. The group employs over 210 people from over 27 countries around the world with Assets Under Management and Administration of over 3 billion.

Our Values:

Innovation – Stay Curious, Move Fast 

Integrity – Do What’s Right, Always 

Accountability – Own It, Fix It, Learn 

Collaboration – Win Together 

Respect – Value Every Voice 

Job Overview:

We are looking for a Product Manager to own the product vision and roadmap for our Cards portfolio. Working in a fast-moving and cross-functional environment, we are looking for solid experience in owning and guiding the design and delivery of products and services as well as team leadership background. This position forms part of an agile development team, building and working on enterprise-grade software systems. The Product Manager will serve as a subject matter expert, acting as a central point of reference for both the team and other stakeholders within the organisation. 

Duties & Responsibilities

• Own the end-to-end product vision and roadmap for the Cards portfolio aligned to company KPIs and customer needs.

• Define, prioritise, and ship features that improve activation rates, usage and engagement, and retention across the cards journey.

• Partner with Risk, Compliance, and Legal teams to ensure products meet card scheme rules (Visa/Mastercard), PCI-DSS, and relevant financial regulation (e.g. PSD2) from design through to launch.

• Collaborate with Engineering, Design, and Data teams to translate customer problems into shipped, measurable product improvements.

• Build and maintain strong relationships with third-party partners, e.g. card issuers/processors and card schemes.

• Own the customer experience for card servicing, including freezing/unfreezing cards, replacement, PIN management, and in-app card controls. Collaborate with UX/UI designers to this effect.

• Communicate roadmap, trade-offs, and progress clearly to stakeholders and leadership, including regular reporting on delivery status and product KPIs.

• Stay close to the competitive landscape challenger banks, neobanks, and card issuers globally to keep the product proposition sharp and differentiated.

• Accountable for the on-time and quality delivery of assigned projects

• Conduct team appraisals, identifying training needs, motivating and performance managing the team in collaboration with the Team Lead

• Implement mechanisms to monitor, manage and provide progress on all delivery activities within the team. Develop and maintain an appropriately prioritized product backlog for the team.

• Act as an ambassador for the product internally and externally and as a point of reference for queries related to the product

• 5+ years of product management experience, ideally within a digital bank, fintech, card issuer, or payments company.

• Bachelor's degree in Business, Computer Science, Finance, Economics, or a related field; equivalent practical experience will also be considered 

• MBA or relevant postgraduate qualification is a plus, not a requirement

• Formal certification in product management (e.g. CSPO) is beneficial but not essential

• Direct experience owning a card product (debit, credit, or prepaid) end-to-end, including working with card processors/issuers and scheme relationships (Visa/Mastercard).

• Track record of shipping customer-facing features in a fast-paced, agile environment, with clear evidence of measurable impact (conversion, activation, NPS, revenue).

• Experience operating within a regulated environment, working alongside Risk, Compliance, and Legal teams on product decisions.

• Experience working in a scale-up or high-growth fintech environment, comfortable with ambiguity and rapid iteration.

• A background in software development would be considered an asset.

Skill Requirements

• Strong product sense: ability to translate customer pain points and business goals into a clear, prioritised roadmap.

• Analytical and metrics-driven: comfortable interpreting data, and using it to make and defend product decisions.

• Deep understanding of card payment rails, authorisation flows, settlement, and the wider card issuing ecosystem.

• Excellent stakeholder management and communication skills; able to influence engineering, design, risk, and leadership alike.

• Strong commercial acumen understanding of interchange, unit economics, and how card products drive revenue and cost.

• User-centred mindset, with experience running user research, usability testing, or working closely with design teams.

• Comfortable operating autonomously, owning outcomes rather than outputs, in a culture that values speed and iteration over process.

• Knowledge of fraud prevention, dispute management, and chargeback processes is a strong advantage.

• Familiarity with agile methodologies (Scrum/Kanban) and tools such as Jira, Linear, or similar.

What we offer:

• Relocation support

• Health Insurance and fitness allowances

• Gym subsidy

• Study Leave

• Fully paid sponsorship schemes for further studies

• Exposure to the very latest technologies

• Opportunities for career growth

• Variable bonus linked to KPI

• Mental Health Package

Visit our moneybase.com or cc.com.mt for more information about our company.

All Applications will be acknowledged and treated with maximum confidentiality

“The enduring goal of Calamatta Cuschieri Moneybase is that the composition of our workforce should reflect that of the communities in which we work.”

Reference: CCMT02427