Senior PM, Embedded Card Programs (AI‑Driven)

Reap; Hong Kong; Hybrid; HKD 900,000 - 1,300,000; Full time

Benefits offered by this job

Reap Card stipend

Insurance coverage after probation

Flexible hybrid/remote work

Job summary

Reap, a HK‑based global fintech, seeks a Senior Product Manager for Embedded Finance to own a major Card Program as a Service domain. You will guide strategy, collaborate with engineering, compliance, and legal, and drive outcomes across our card infrastructure and API ecosystem.

You will champion AI-enabled productivity, work with clients and processors, and ensure regulatory alignment while delivering high-quality product experiences at scale.

Qualifications

• 6–8+ years of product management experience in fintech, payments infrastructure, or B2B SaaS.
• Deep knowledge of the cards and payments stack, including issuing, acquiring, networks, and compliance.
• Strong grasp of regulatory/compliance requirements for card programmes (AML, KYC/KYB, scheme rules).
• Experience working with APIs end-to-end, reading specs, evaluating designs, and writing API-level requirements.
• Active AI user with ability to demonstrate work and apply AI tools to speed outcomes.
• Excellent written communication with clear, well-structured memos and specs.

Responsibilities

• Own a significant domain within Card Program as a Service from problem definition to delivery.
• Develop understanding of clients, processors, schemes, and compliance; inform decisions with knowledge.
• Identify gaps, risks, and opportunities without waiting for direction.
• Collaborate with engineering, architecture, compliance and legal to drive outcomes.
• Build relationships with external partners and clients to shape product direction.
• Communicate decisions, rationale, and tradeoffs to technical and non-technical stakeholders.
• Write precise specs for engineers and compliance validation; define success metrics.

Skills

Fintech product management

Cards & payments domain

API design & specs

AI tooling proficiency

Cross-functional leadership

Job description

Reap, a HK‑based global fintech, seeks a Senior Product Manager for Embedded Finance to own a major Card Program as a Service domain. You will guide strategy, collaborate with engineering, compliance, and legal, and drive outcomes across our card infrastructure and API ecosystem.

You will champion AI-enabled productivity, work with clients and processors, and ensure regulatory alignment while delivering high-quality product experiences at scale.