Head of Cards

Job Description Product & Roadmap • Define and execute the card product roadmap across consumer and business segments • Own the end-to-end setup, compliance, and lifecycle management of card products • Drive product innovation including stablecoin-linked and digital asset card use cases • Collaborate with Engineering, Design, Operations, and Compliance to deliver secure, scalable, and compliant card products Strategy & Market Development • Develop and execute the card business strategy aligned with dtcpay's commercial objectives • Identify new market opportunities, customer segments, and card use cases across APAC and global markets • Monitor competitor offerings, scheme developments, and regulatory changes to maintain a competitive edge Partnerships & Commercial • Build and manage relationships with card schemes, issuing banks, processors, and programme managers • Lead commercial negotiations and structure partnership arrangements that drive adoption and growth • Drive scheme and partner engagement to increase card issuance, spend volume, and integration depth P&L Ownership • Own the card business P&L including revenue, margin, cost, and profitability • Define pricing, fee structures, interchange strategy, and issuer/network economics • Track and report key metrics — active cards, spend volume, revenue, and unit economics — to senior leadership • Lead forecasting, budgeting, and performance reporting Leadership & Governance • Build and lead a high-performing card team across product, operations, and commercial functions • Ensure full compliance with MAS regulations, card scheme rules, PCI DSS, and applicable market requirements • Partner with Risk and Compliance to manage fraud, chargeback, and operational risk What We Are Looking For • 15+ years of experience in card issuing, payments, or fintech, with at least 5 years in a senior leadership role • Proven track record of launching and scaling card products from concept to commercial success • Deep understanding of card scheme rules, issuing economics, interchange, and network structures • Strong P&L ownership experience with a commercial and data-driven mindset • Experience managing external partnerships and commercial negotiations with schemes and processors • Familiarity with MAS regulations and PCI DSS compliance requirements • Strong stakeholder management and cross-functional leadership capability Bonus Points • Experience with stablecoin, digital assets, or Web3 payment products • Regional exposure across APAC and/or Europe • Proficiency in English and Mandarin • Comfort operating in a fast-moving, multi-market fintech environment with evolving regulatory requirements