Senior Product Manager, Embedded Finance (Card Programs)

Reap; Hong Kong; On-site; 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

About Reap

Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.

Through our stablecoin-powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale. Our APIs enable businesses to integrate stablecoin-enabled finance into their own products and services—from issuing Visa cards to facilitating cross-border payments.

Backed by leading investors including Acorn Pacific, Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.

Why Reap?

The Senior Product Manager for Embedded Finance will be a strategic co-owner of Reap's card programme management platform — the infrastructure layer that enables clients to launch and operate card programmes on Reap's infrastructure. You will own a significant domain within our Embedded Finance product suite, set the direction for it, and be expected to bring independent judgment, push back on assumptions, and shape the roadmap alongside product leaders.

What You’ll Do

Domain Ownership & Strategy

• Own a significant domain within Card Program as a Service end-to-end — from problem definition and prioritisation through to delivery and iteration
• Develop a deep understanding of the clients, processors, schemes, and compliance requirements that shape your domain; use that knowledge to make opinionated, well-reasoned product decisions
• Proactively identify gaps, risks, and opportunities in your domain — you don't wait to be told what to work on

Cross-Functional Leadership

• Work closely with engineering, solutions architecture, compliance, and legal to drive product outcomes across your domain
• Build strong working relationships with external partners and clients to inform your product direction
• Communicate product decisions, rationale, and tradeoffs clearly to both technical and non-technical stakeholders
• Contribute to team-level discussions on strategy, operating model, and prioritisation — your voice shapes how the team operates, not just what it builds

Product Craft

• Write product specs that are precise enough for engineers to build from and clear enough for compliance and legal to validate against
• Define success metrics for your domain and use data to evaluate whether you're moving in the right direction
• Maintain a high bar for product quality — you care about the details of how something works, not just whether it shipped

AI-Augmented Ways of Working

• Actively use AI tooling to accelerate your own output — research, spec writing, competitive analysis, client communication, and strategic synthesis
• Help embed AI-native practices across the team; you raise the bar for what good looks like
• Identify opportunities to build AI-assisted capabilities into the product itself, not just your personal workflow

What We’re Looking For

• 6-8+ years of product management experience in fintech, payments infrastructure, or B2B SaaS — with a track record of owning significant product domains independently
• Deep knowledge of the cards and payments stack — you understand card issuing, acquiring, payment networks, card controls, disputes, and compliance as an interconnected system
• Strong grasp of regulatory and compliance requirements relevant to card programmes — AML, KYC/KYB, scheme compliance, and jurisdiction‑specific obligations
• Experience working with APIs end-to-end — able to read specs, evaluate integration designs, and write precise API‑level requirements
• A genuine AI power user — you have a current, active practice of using AI tools to do your job faster and better; you can show your work
• Strong written communication — your memos, specs, and strategic documents are clear, well‑structured, and stand on their own

Technical Capabilities

Must-Have

• Broad functional fluency across the cards stack — authorisation flows, clearing and settlement, card controls, dispute/chargeback processes, and scheme compliance
• Working knowledge of payments compliance frameworks — AML monitoring, KYC/KYB flows, and transaction monitoring
• Ability to review API specifications at a level sufficient to make product decisions and challenge engineering proposals
• Active, demonstrated use of AI tooling (Claude, Cursor, ChatGPT, or equivalent) as a core part of your daily workflow

Bonus

• Exposure to web3 payment rails — crypto‑funded cards, stablecoin settlement, or blockchain‑based payment infrastructure
• Experience in a CaaS or embedded finance context, supporting B2B clients with card infrastructure
• Experience building or prototyping AI‑assisted internal tooling

Desired Attributes

• Independently driven — you identify what matters, form a view, and pursue it without waiting to be directed; you're a self‑starter who holds themselves to a high bar
• Opinionated but intellectually honest — you bring strong views and defend them clearly, but update when you encounter better information or arguments
• Broad domain curiosity — you're as comfortable in an AML discussion as a debate about API design or stablecoin settlement mechanics; you connect dots others miss
• Systems thinker — you see your domain as part of a larger interconnected system and make product decisions accordingly
• High ownership, low ego — you take accountability for outcomes, escape early when things are stuck, and don't need credit to stay motivated
• AI-native, not AI-curious — you've moved past wondering what AI can do and are actively building your own workflows, prompts, and systems around it; you find people who aren't doing this a little baffling

Why You'll Love it Here

• A high-impact role in a rapidly growing fintech company.
• Flexible hybrid/remote work environment with a global, collaborative team.
• Insurance coverage after probation.
• Reap Card stipend.
• Use of AI tools at work — and the space to learn, experiment, and grow with them.
• A culture of innovation, inclusion, and continuous learning.