Head of Cards

dtcpay; Singapore; On-site; SGD 200,000 - 320,000; Full time

Job summary

dtcpay, a MAS-licensed payment service provider, seeks a commercially driven Head of Cards to own the card business from product strategy to P&L and regulatory compliance. This senior leadership role oversees card product roadmap, partnerships, pricing, and risk management across APAC and global markets.

You will collaborate with Engineering, Design, Operations and Compliance to deliver secure, scalable card solutions, ensure MAS and PCI DSS compliance, and drive growth through innovative

Qualifications

• Preferably experience with stablecoin, digital assets, or Web3 payment products.
• 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

Responsibilities

• Define and own the card product roadmap and lifecycle management across segments.
• Lead commercial negotiations with schemes, issuing banks, processors and programme managers.
• Own the card business P&L, pricing, and issuer/network economics.
• Collaborate with Risk and Compliance to manage fraud, chargebacks and regulatory requirements.
• Build and lead a high-performing card team across product, operations and commercial.

Skills

Card issuing

Payments

Leadership

Job description

dtcpay is a MAS licensed payment service provider that bridges traditional finance and digital assets. We enable businesses to accept and make payments in both fiat and digital currencies, delivering secure, efficient, and seamless payment experiences across borders. As we expand globally, we are shaping the future of digital payments.

We are currently looking for a commercially driven and operationally strong Head of Cards to take full ownership of our card business — from product strategy and scheme partnerships to P&L management and regulatory compliance. This is a senior leadership role with broad scope, high visibility, and direct impact on one of dtcpay's core growth verticals.

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
• 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

• Preferably experience with stablecoin, digital assets, or Web3 payment products
• 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