General Manager - Cards Business

Responsibilities

Business Ownership

• Own the Cards business end-to-end, including strategy, P&L, budget, roadmap, and execution.
• Define and manage the economics of the card program.
• Own TPV, active cards, customer spending, retention, and monetisation.
• Build financial models covering revenue, card issuance costs, processing costs, customer margin, and LTV.
• Identify opportunities to improve profitability and customer engagement.
• Present strategy, performance, and key decisions directly to C-level stakeholders.

Card Product

• Own the full card customer journey from onboarding and issuance to activation and everyday spending.
• Develop virtual and physical card products.
• Own subscription, cashback, and other card-related mechanics.
• Improve activation rates and increase customer spending.
• Develop simplified onboarding and KYC flows together with Compliance.
• Own card-related customer experience and continuously identify friction points.

Issuing & Processing

• Own relationships with issuing, processing, BaaS, and other card infrastructure providers.
• Manage integrations and operational dependencies.
• Negotiate commercial terms with providers.
• Reduce vendor lock-in and build resilience against changes in provider terms or availability.
• Ensure the card business can continue operating reliably as it scales.
• Manage critical incidents involving providers together with engineering.

Economics & Growth

• Understand and optimize the unit economics of every active card.
• Track customer profitability, card issuance and servicing costs, transaction economics, retention, and LTV.
• Identify opportunities to increase transaction volume and customer engagement.
• Design product mechanics that encourage customers to keep spending through GoMining Cards.
• Work with Growth and Marketing on acquisition, activation, and retention initiatives.

Team & Delivery

• Lead the engineering team responsible for the Cards direction.
• Work directly with the Tech Lead on architecture and delivery.
• Own roadmap, priorities, backlog, releases, and key incidents.
• Hire and develop team members when needed.
• Build a high-speed, data-driven execution culture.
• Use AI and automation across product development, analytics, specifications, QA, and operational processes.

Requirements

• Strong end-to-end experience with card products.
• Experience with issuing, processing, BaaS, or card infrastructure.
• Experience launching or scaling a card program.
• Strong understanding of card unit economics.
• Ability to model customer margin, transaction economics, issuance costs, and LTV.
• Experience negotiating directly with card providers.
• Experience managing dependency on external providers and ideally reducing vendor lock-in.
• Strong product and commercial mindset.
• Experience owning revenue or P&L is highly preferred.
• Strong analytical and data-driven approach.
• Technical literacy and ability to work directly with engineering teams.
• Experience managing product or engineering teams.
• Experience in fintech, neobanking, payments, crypto cards, wallets, or exchanges is highly relevant.

Benefits

• Professional growth: support for courses, conferences, and English learning (up to 100% coverage).
• Work-life fit: remote or hybrid format with flexible hours across international teams.
• Paid leave: up to 20 vacation days + 8 company holidays + 5 personal days per year.
• Recognition programs: structured performance reviews and team awards.
• Team culture: retreats in international locations (for example, company apartments in Cyprus).