Crypto Card Product Manager

About Gate

Established in 2013, Gate is a top-tier global cryptocurrency exchange that caters to over 54 million users worldwide, providing a comprehensive range of digital asset trading and wealth management solutions. It ranks third among exchanges globally by overall ranking. Operating as a remote-first and globally distributed organization, we are dedicated to pioneering the future of Web3 through innovation, teamwork, and agility. Joining Gate means collaborating on groundbreaking projects, freely contributing ideas, and growing with a rapidly expanding international enterprise.

About the Role

As the Crypto Card Product Manager, you will join at a pivotal stage where the initial card issuance system is live and active users are engaging. Your mission is to evolve the product beyond its minimum viable stage by developing a diverse portfolio of card offerings—virtual, physical, co-branded, and tiered cards. Over the course of a year, your achievements will include launching at least one new card SKU, enhancing activation and retention rates from adequate to exceptional, and establishing a robust data framework to identify forthcoming product innovations. This role uniquely demands strong expertise in both traditional card issuance mechanics and crypto-native product development.

Key Responsibilities

• Create and manage a comprehensive roadmap transitioning from a singular card product to a diverse lineup, defining target audiences, benefits, and unit economic models for each card SKU.
• Optimize the full lifecycle of cardholders—including application processing, KYC compliance, card issuance, activation, initial usage, recurring transactions, and product upgrades—ensuring high conversion rates throughout the funnel.
• Collaborate with issuing banks, card networks (Visa and Mastercard), and BIN sponsors to transform external dependencies into actionable product features, proactively managing timelines.
• Partner with the risk management team to fine-tune transaction authorizations and anti-fraud methodologies, balancing chargeback and fraud rates with user experience, while maintaining accountability for per-card profitability.
• Develop and analyze comprehensive spending insights such as merchant category code distributions, top merchants, cross-border usage, and crypto-to-fiat conversion timing to pinpoint new product opportunities like cashback, subscription services, cross-border packages, and rewards programs.

Required Qualifications

• Proven ownership of a card product lifecycle with thorough understanding of authorization, clearing, settlement, and refund processes and their common failure points.
• In-depth knowledge of the commercial card model, including cost structures, interchange economics, and foreign exchange markups, with the ability to effectively engage with BIN sponsors and issuing banks independently.
• Experience managing compliance constraints while successfully shipping products, adept at balancing user needs and regulatory requirements without allowing compliance issues to halt progress.
• Capable of deriving actionable insights from raw transaction data, including analyzing merchant category code trends, conversion funnel drop-offs, and cohort behaviors proactively before anomalies appear on dashboards.

Preferred Attributes

• Experience working with crypto card products, neobank card issuance operations (such as Revolut, Wise, or Airwallex), or traditional card network product management (Visa/Mastercard program roles).
• Track record in launching card products in new markets with fresh regulatory and banking relationship building.
• Designed and managed rewards or cashback programs with attached financial responsibilities beyond just feature definitions.