Senior Product Manager, Cards

About Equals

Equals is the next-generation global money movement platform built for exceptional businesses operating across borders. We bring international payments, embedded finance, and more together into a single connection that simplifies operations and strengthens financial control. With deep expertise and integrated infrastructure, Equals turns financial complexity into reliable solutions.

With our headquarters in London and teams around the UK and Europe, you will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers.

About the role

This is a high-leverage product role. You will own Cards as a vertical: the strategy, the roadmap and the outcome, and you'll be judged on how much bigger and stronger the business is because of decisions you made.

Cards sit at the centre of how our customers spend, control and account for their money, and there's a real opportunity in front of us: a capable platform, genuine customer demand, and room to move faster than we do today. We're looking for someone who combines product strategy with real technical depth: comfortable partnering with Engineering on system design, comfortable in the detail of a scheme rule or a platform constraint, and equally comfortable setting direction for where Cards goes next.

A core part of the role is owning our relationship with the card schemes end to end, Visa and Mastercard specifically. That means direct, hands-on expertise: understanding their roadmaps and programmes deeply enough to spot the opportunities worth chasing before anyone else does, and turning them into products we can actually ship. This is a specialist skillset in its own right, and we want someone who already has it or is clearly building toward it.

You will work closely with Engineering, Design, Commercial, Product Marketing, Operations, Risk and Compliance. You'll need the drive to take ideas from concept to reality quickly, and the judgement to know which ideas are worth that speed.

Responsibilities

• The Cards product strategy, roadmap and prioritisation, end to end.
• The growth of the card proposition, including the targets and the plan to hit them.
• Our relationship with Visa and Mastercard, from technical integration through to the pipeline of opportunities we choose to pursue.
• The identification and development of new card products, programmes and market opportunities.
• The card platform roadmap: issuing, programme configuration, controls, limits and the operational tooling around it.
• The end-to-end customer experience of cards, from application and issuance through to spend, controls, reconciliation and support.
• The relationships with our wider card partners (processors, sponsors and distribution partners), alongside Commercial and Legal.
• The launch and adoption of new card products and new markets, working with Product Marketing and Sales.
• The definition, instrumentation and reporting of the Cards metrics the business runs on.

Your Profile

Skills & Experience

• Several years in product management, with a track record of owning a product vertical end to end and being accountable for its growth, not just its delivery.
• Direct experience with cards or payments: issuing, acquiring, expense management, spend management, banking or a closely adjacent domain.
• Genuine technical depth: you can partner with Engineering on system design and trade-offs, and hold your own in that conversation.
• Hands-on experience working with card schemes, processors or other major platform partners, including shaping what you get from the relationship, not just managing it.
• Real comfort with data: you build your own view from raw numbers rather than waiting for a dashboard, and you use evidence to make the call.
• A commercial instinct: you can build a case, hold a pricing conversation, and think about a product in terms of the business it creates.
• Sharp prioritisation and judgement, with a demonstrable history of saying no to good ideas in favour of better ones.
• Experience delivering in a regulated environment, designing within compliance and scheme constraints without losing pace.
• Excellent written communication: you can explain a complex trade-off in a page that a board member and an engineer both understand.
• The drive and persistence to take an idea from concept to reality quickly, and the judgement to know which ideas deserve that speed.
• Enough customer instinct to know that clean data, clear controls and a working reconciliation flow beat a longer feature list.
• The curiosity to go and find opportunities rather than waiting to be handed a roadmap.

Nice-to-have

• Deep expertise in payment processing, with direct, hands-on integration experience with Visa and Mastercard.
• Experience launching or scaling a commercial, corporate or expense card programme.
• Direct experience with scheme programme approval, new product adoption, co-brand, pilots or scheme-supported launches.
• Experience with virtual, single-use or embedded card issuing, or white-label card programmes.
• Experience running a card processor integration or a processor migration.
• Multi-currency or cross-border card experience, and exposure to card products across UK and EU markets.
• Experience with the finance-stack side of cards: categorisation, receipt capture, approvals, accounting integrations and reconciliation.
• Experience in a business where product, commercial and operational responsibilities sit closely together.

Diversity & inclusion

Equals is committed to building a workplace where everyone can be themselves. We actively welcome different perspectives, backgrounds and experiences, and we'll work with you to understand what you need to do your best work. We're an equal opportunities employer and proud of it.

We offer hybrid working across our teams, balancing time in the office — for collaboration, events and the relationships that make work rewarding — with the flexibility to work remotely where roles allow.