Head of Cards

DIGITAL TREASURES CENTER PTE. LTD.; Singapore; On-site; SGD 250,000 - 450,000; Full time

Job summary

DIGITAL TREASURES CENTER PTE. LTD. is seeking a seasoned leader to own the card product roadmap and end-to-end lifecycle across consumer and business segments, delivering compliant, scalable card solutions.

You will drive strategy, partnerships, and P&L, oversee risk and compliance with MAS and PCI DSS, and lead a multi-disciplinary team across APAC to grow in a fast-moving fintech environment.

Qualifications

• 15+ years of experience in card issuing, payments, or fintech.
• At least 5 years in a senior leadership role.

Responsibilities

• Define and own the card product roadmap and end-to-end lifecycle across consumer and business segments.
• Own P&L, pricing, and issuer economics; track key metrics and forecasts.
• Lead partnerships with card schemes, issuing banks, processors, and programme managers.

Skills

Card issuing expertise

Payments leadership

Fintech strategy

P&L ownership

Partnership management

MAS & PCI DSS knowledge

Stakeholder leadership

Job description

Product & Roadmap

• Define and execute the card product roadmap across consumer and business segments
• Own the end-to-end setup, compliance, and lifecycle management of card products
• Drive product innovation including stablecoin-linked and digital asset card use cases
• Collaborate with Engineering, Design, Operations, and Compliance to deliver secure, scalable, and compliant card products

Strategy & Market Development

• Develop and execute the card business strategy aligned with dtcpay's commercial objectives
• Identify new market opportunities, customer segments, and card use cases across APAC and global markets
• Monitor competitor offerings, scheme developments, and regulatory changes to maintain a competitive edge

Partnerships & Commercial

• Build and manage relationships with card schemes, issuing banks, processors, and programme managers
• Lead commercial negotiations and structure partnership arrangements that drive adoption and growth
• Drive scheme and partner engagement to increase card issuance, spend volume, and integration depth

P&L Ownership

• Own the card business P&L including revenue, margin, cost, and profitability
• Define pricing, fee structures, interchange strategy, and issuer/network economics
• Track and report key metrics - active cards, spend volume, revenue, and unit economics - to senior leadership
• Lead forecasting, budgeting, and performance reporting

Leadership & Governance

• Build and lead a high-performing card team across product, operations, and commercial functions
• Ensure full compliance with MAS regulations, card scheme rules, PCI DSS, and applicable market requirements
• Partner with Risk and Compliance to manage fraud, chargeback, and operational risk

What We Are Looking For

• 15+ years of experience in card issuing, payments, or fintech, with at least 5 years in a senior leadership role
• Proven track record of launching and scaling card products from concept to commercial success
• Deep understanding of card scheme rules, issuing economics, interchange, and network structures
• Strong P&L ownership experience with a commercial and data-driven mindset
• Experience managing external partnerships and commercial negotiations with schemes and processors
• Familiarity with MAS regulations and PCI DSS compliance requirements
• Strong stakeholder management and cross-functional leadership capability

Bonus Points

• Experience with stablecoin, digital assets, or Web3 payment products
• Regional exposure across APAC and/or Europe
• Proficiency in English and Mandarin
• Comfort operating in a fast-moving, multi-market fintech environment with evolving regulatory requirements