General Manager - Cards

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

At GoMining, a General Manager is the end-to-end owner of a business direction, responsible for its strategy, P&L, product, team, and overall results. A GM combines business, product, and operational ownership — setting priorities, managing unit economics, driving execution, and making decisions based on data. The goal is to run the direction as a business and take full responsibility for its growth, profitability, and performance.

We are looking for a General Manager to own the Cards business at GoMining.

You will be responsible for the card product end-to-end — from issuing and processing infrastructure to activation, spending, subscription, cashback, KYC, provider relationships, and unit economics.

This is a business ownership role, not just a product role. You will own the strategy, P&L, product roadmap, delivery, key metrics, provider relationships, and engineering team behind the Cards direction.

Your goal is to build a card product customers actively use while creating sustainable economics for the company.

Responsibilities

Business Ownership

• 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

Card Product

• Own the full card customer journey from onboarding and issuance to activation and everyday spending
• Develop virtual and physical card products
• Own subscription, cashback, and other card-related mechanics
• Improve activation rates and increase customer spending
• Develop simplified onboarding and KYC flows together with Compliance
• Own card-related customer experience and continuously identify friction points

Issuing & Processing

• Own relationships with issuing, processing, BaaS, and other card infrastructure providers
• Manage integrations and operational dependencies
• Negotiate commercial terms with providers
• Reduce vendor lock-in and build resilience against changes in provider terms or availability
• Ensure the card business can continue operating reliably as it scales
• Manage critical incidents involving providers together with engineering

Economics & Growth

• Understand and optimize the 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 customer engagement
• Design product mechanics that encourage customers to keep spending through GoMining Cards
• Work with Growth and Marketing on acquisition, activation, and retention initiatives

Team & Delivery

• Lead the engineering team responsible for the Cards direction
• Work directly with the Tech Lead on architecture and delivery
• Own roadmap, priorities, backlog, releases, and key incidents
• Hire and develop team members when needed
• Build a high-speed, data-driven execution culture
• Use AI and automation across product development, analytics, specifications, QA, and operational processes

Requirements

• 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 ideally 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 directly with engineering teams
• Experience managing product or engineering teams
• Experience in fintech, neobanking, payments, crypto cards, wallets, or exchanges is highly relevant

Benefits

• Professional growth: support for courses, conferences, and English learning (up to 100% coverage).
• Work-life fit: remote or hybrid format with flexible hours across international teams.
• Paid leave: up to 20 vacation days + 8 company holidays + 5 personal days per year
• Recognition programs: structured performance reviews and team awards.
• Team culture: retreats in international locations (for example, company apartments in Cyprus)