Head of Card Product

Mesh Connect; San Francisco (CA); On-site; USD 229,000 - 300,000; Full time

Job summary

Mesh Connect is seeking our first Head of Card Product to own the end-to-end card program, including consumer experience, bank partnerships, networks, and compliance frameworks. You will drive the strategy to make crypto spendable at millions of merchants, across markets, with wallet integrations and edge-case management.

You will collaborate with regulators, banks, and wallet partners to ensure successful deployment, scaling, and governance of the program.

Qualifications

• Experience owning a regulated financial product shipped through a bank partner or regulator.
• Proven compliance sign-off from a bank partner, network, or regulator across markets.
• Experience with consumer payments/fintech product outcomes (volume, activation, retention, P&L).
• Shipped device-level payment experiences or wallet integration considerations.

Responsibilities

• Own the card program end to end, including launch, growth, and economics.
• Earn the confidence of banks and networks; negotiate KYC, fraud, returns, and edge cases.
• Make paying with crypto feel effortless via provisioning, on-device confirmation, and state consistency.
• Win distribution through wallet partners and shape integrations for partner success.
• Decide which cards become at Mesh and explore new programs, networks, and geographies.

Skills

Experience with regulated financials

Compliance expertise

Consumer payments product owner

Mobile payments system

AI in product management

Crypto wallet integration

Job description

Overview

Mesh is seeking our first Head of Card Product.

Crypto solved receiving value. It has not solved spending it. Hundreds of millions of people hold crypto they cannot use to buy fuel or groceries. Every previous fix asked the merchant to change… new software, new assets, new risk… and merchants declined. The result is a vicious cycle: because crypto is not spendable, consumers do not hold much of it. Because consumers do not hold much of it, merchants do not accept it.

We are breaking the cycle from the other side. A user pays with crypto. The merchant receives an ordinary card payment. Nothing changes at the point of sale, so everything changes for the consumer: crypto becomes spendable at over a hundred million merchants in more than two hundred countries overnight… including the markets where people are already paid in stablecoins and have nowhere to spend them. It stops being an asset you hold and becomes money you use.

You will own this program end-to-end: the consumer experience, the bank partnership, the network relationship, and the compliance framework that makes it real. Card programs are not won with code. They are won by earning the confidence of banks and networks, which is why so few companies can build this. If you have spent your career learning how card programs really work, this is the seat where that knowledge changes what money can do.

What You’ll Do

• Own the card program end to end. You are the single accountable owner of this product … its launch, its growth, its economics. If it touches the program, it’s yours.
• Earn the confidence of banks and networks. You will sit across from bank officers, network compliance teams, and regulators … in every market the program touches … and get to yes on KYC, fraud, refunds, and every edge case of how money moves. You write the specificity a bank signs. This is hands-on work, not delegated work.
• Make paying with crypto feel effortless. Provisioning a card into a wallet, confirming on device, recovering from a failed or disputed transaction. You decide what the user believes is happening and make every screen and state consistent with that belief.
• Win distribution through wallet partners. This product only matters if wallets carry it. You pitch it, shape each integration, and make partners successful … their volume is the scoreboard.
• Decide what cards become at Mesh. Today it is one program. New programs, networks, geographies, and commercialization are yours to figure out … and to argue for at the exec table with evidence.

Who You Are

• Experience : You have owned a regulated financial product that shipped through a bank partner or regulator … a card program, a lending product, a banking or money movement product. Card program experience is a strong plus, not a requirement.
• Compliance Fluency : You have earned a compliance sign‑off from a bank partner, network, or regulator … KYC, AML, transaction monitoring, fraud, disputes. You can describe a decision a bank pushed back on and how you got to yes. Experience across multiple markets or regulatory regimes is a strong plus.
• Consumer Product Judgment : You have owned a consumer payments or fintech product and its outcome … volume, activation, retention, or P&L. You can walk through a flow you shipped and the reasoning behind it.
• Mobile Payments : You have shipped device‑level payment experiences … secure element or secure enclave integration, push provisioning, token requestor work with the networks.
• AI Leverage : You use AI daily to draft program documentation, model economics, and automate the operational work of running a program.
• Crypto : Ideally, you have built products that integrate into crypto wallets like MetaMask, Trust Wallet, or Phantom.

The annual base salary range for this role is $229,000 - $300,000, plus equity, in San Francisco or New York. We have a strong preference for candidates based in San Francisco. The compensation range provided may span multiple career levels and will be narrowed during the interview process based on factors including a candidate’s experience, skills, qualifications, and geographic location. For candidates outside of San Francisco or New York, compensation will be adjusted to reflect the applicable market and location-based pay band. The base salary range listed excludes equity, and benefits. The pay range represents the minimum and maximum target for new‑hire compensation. Actual compensation may vary and may be higher or lower depending on individual circumstances.