Card Program GM: Strategy, P&L & Growth

GoMining; Poland; Hybrid; PLN 600,000 - 900,000; Full time

Benefits offered by this job

Education allowance

Remote or hybrid

Vacation days

Job summary

GoMining seeks a General Manager to own the Cards business end-to-end, combining strategy, P&L, product, and engineering leadership. You will drive unit economics, partnerships with issuers and processors, and build scalable card programs across virtual and physical cards, KYC, activation, and monetisation.

This is a business ownership role focused on growth, profitability, and data-driven delivery with international teams and flexible remote/hybrid working arrangements.

Qualifications

• Strong end-to-end experience with card products
• Experience with issuing, processing, BaaS, or card infrastructure
• Experience launching or scaling a card program
• Strong understanding of card unit economics
• Ability to model customer margin, transaction economics, issuance costs, and LTV
• Experience negotiating directly with card providers
• Experience managing dependency on external providers and reducing vendor lock-in
• Strong product and commercial mindset
• Experience owning revenue or P&L is highly preferred
• Strong analytical and data-driven approach
• Technical literacy and ability to work with engineering teams
• Experience managing product or engineering teams
• Experience in fintech, neobanking, payments, crypto cards, wallets, or exchanges is highly relevant

Responsibilities

• Own the Cards business end-to-end, including strategy, P&L, budget, roadmap, and execution
• Define and manage the economics of the card program
• Own TPV, active cards, customer spending, retention, and monetisation
• Build financial models covering revenue, card issuance costs, processing costs, customer margin, and LTV
• Identify opportunities to improve profitability and customer engagement
• Present strategy, performance, and key decisions directly to C-level stakeholders
• Own the full card customer journey from onboarding to activation and spending
• Develop virtual and physical card products
• Own subscription, cashback, and other card-related mechanics
• Improve activation rates and increase customer spending
• Develop onboarding and KYC flows with Compliance
• Own card-related customer experience and identify friction points
• Own relationships with issuing, processing, BaaS providers
• Manage integrations and dependencies
• Negotiate commercial terms with providers
• Reduce vendor lock-in and build resilience
• Ensure the card business scales reliably
• Manage critical incidents with providers and engineering
• Understand and optimize unit economics of every active card
• Track customer profitability, card issuance and servicing costs, transaction economics, retention, and LTV
• Identify opportunities to increase transaction volume and engagement
• Design product mechanics encouraging ongoing card spending
• Collaborate with Growth and Marketing on acquisition, activation, and retention initiatives
• Lead the engineering team responsible for the Cards direction
• Collaborate with Tech Lead on architecture and delivery
• Own roadmap, priorities, backlog, releases, and incidents
• Hire and develop team members
• Build a data-driven execution culture
• Use AI/automation across development, analytics, specifications, QA, and operations

Skills

End-to-end card product experience

P&L ownership

Card infrastructure knowledge

Provider negotiation

Engineering leadership

Data-driven decision making

AI/automation in product development

Job description

GoMining seeks a General Manager to own the Cards business end-to-end, combining strategy, P&L, product, and engineering leadership. You will drive unit economics, partnerships with issuers and processors, and build scalable card programs across virtual and physical cards, KYC, activation, and monetisation.

This is a business ownership role focused on growth, profitability, and data-driven delivery with international teams and flexible remote/hybrid working arrangements.