Payments Program Manager

HIFI•New York City, NY

About The Position

As Program Manager, you'll own the design, launch, and scaling of our debit card and banking programs end-to-end. You'll sit at the intersection of card networks, sponsor banks, and stablecoin settlement — turning that complexity into a seamless payment experience, and owning the partnerships and unit economics of every program we run. If you touch it, you own it. That's how we work.

Requirements

4+ years of program or operations management in card issuing, payments infrastructure, or an adjacent fintech domain.
Deep operational understanding of card network mechanics — authorization, settlement, BIN management, chargebacks, and Visa/Mastercard compliance.
Hands-on experience managing sponsor banks, processors, or networks directly — you've run the QBRs and pushed back when the contract wasn't right.
Familiarity with stablecoins, crypto wallets, or on-chain payments — you understand how settlement works on-chain and off, and why the timing matters operationally.
High agency under ambiguity — you move fast, raise problems early, and build the playbook where none exists yet.

Nice To Haves

Launched a card program from zero — network certification, bank negotiation, operational ramp — not just inherited one.
Familiarity with Visa Direct or Mastercard Send, including AFT (Account Funding Transaction) and OCT (Original Credit Transaction) flows.
Hands-on with on-chain stablecoin settlement in production — you've operated or debugged the flow, not just used it.
Early-stage startup experience — scoped the program, found the vendor, negotiated the contract, and launched in the same quarter.

Responsibilities

Launch and scale stablecoin-powered debit card and banking programs end-to-end — BIN setup, network certification, launch, and ongoing operations.
Own day-to-day relationships with sponsor banks, issuer processors, and card networks — operating cadences, SLA accountability, and contract and commercial negotiations.
Operationalize the transaction flow from authorization to on-chain stablecoin settlement, including monitoring, incident response, and reconciliation.
Run risk and compliance operations for card programs — fraud, disputes, and chargebacks alongside Reg E, network rules, and audit readiness — in coordination with banks, processors, and our Compliance Engineer.
Own card program unit economics in production — interchange, FX spread, reserve yield, cost-per-transaction — and partner with Product on improvements.