Product Director, Core Banking and Payments

<h1>About the Role</h1> <p>This is a mission-critical product leadership role at the heart of Crypto.com's global trading engine. As Product Director, Core Banking &amp; Payments, you will own the end-to-end product strategy for fiat pay-in (deposits) and pay-out (off-ramp) capabilities — the infrastructure that enables millions of Retail, Private, and Institutional clients to move money in and out of the platform, instantly, globally, and reliably.</p> <p>You will define where we build, which rails we use, which banks we partner with, and how we route transactions — with direct accountability for Total Funds Flow, acceptance rates, settlement speed, and cost-per-transaction across every market we operate in. This role reports to the VP of Product, Banking.</p><br><strong>Responsibilities</strong><br><p>Global Banking Network</p> <li>Build and optimize cross-border payment infrastructure across all markets, ensuring maximum rail coverage and uptime for fiat access.</li> <p>Speed &amp; Latency</p> <li>Select and integrate payment rails based on transaction speed requirements (T+0 vs T+1) to support instant trading activities.</li> <p>Liquidity &amp; Settlement</p> <li>Structure banking partnerships to maintain zero (or near-zero) downtime liquidity for mass user pay-outs and high-frequency trading settlement.</li> <p>Acceptance Rate Optimization</p> <li>Drive meaningful improvements in pay-in acceptance across credit card, debit card, and bank transfer channels by optimizing processor relationships, fraud rules, and compliance logic.</li> <p>Strategic Bank Partnerships</p> <li>Lead commercial negotiations and technical integrations for direct bank relationships — securing preferential rates, dedicated service levels, and custom solutions tailored to trading businesses.</li> <p>Payment Orchestration &amp; Routing</p> <li>Design and own the logic for a dynamic routing engine that selects the optimal rail in real time based on user segment, jurisdiction, currency, speed, and risk profile.</li> <p>Institutional On-Ramp</p> <li style="list-style-type: none;"> </li><li>Build compliant and scalable fiat payment solutions for institutional clients — including segregated bank accounts, high-value wire processing, and bulk pay-out APIs.</li> <br><strong>Requirements</strong><br> <li>7–10+ years of product leadership experience, with at least 7 years focused on payment infrastructure or core banking products</li> <li>Demonstrated success building and scaling cross-border payment rails in a high-volume, real-time environment</li> <li>Experience with direct bank integrations (not just white-label PSPs) and commercial partnership negotiation</li> <li>Track record of leading payment orchestration and dynamic routing logic in production</li> <li>Experience building fiat solutions for institutional clients (segregated accounts, wire processing, bulk APIs)</li> <li>Background in or significant exposure to trading, exchange, or fintech environments</li> <li>Technical acumen across complex API products, data flows, and payment protocol integrations</li> <li>Hands-on experience with core banking platforms and/or payment scheme integrations (SWIFT, SEPA, FPS, ACH, etc.)</li> <li>Experience integrating with bank partners, PSPs, and acquiring processors</li> <li>Strong people management capabilities — you develop and hold a high bar for your team</li> <li>Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership</li> <div><b style="font-size: 13.5pt">Life @&nbsp;</b><a class="postings-link" style="font-size: 13.5pt" href="http://crypto.com/"><b>Crypto.com</b></a></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><span style="font-size: 10.5pt">Empowered to think big. Try new opportunities while working with a talented, ambitious and supportive team.</span></div><div><span style="font-size: 10.5pt">Transformational and proactive working environment. Elevate employees to find thoughtful and innovative solutions.</span></div><div><span style="font-size: 10.5pt">Growth from within. We help to develop new skill-sets that would impact the shaping of your personal and professional growth.</span></div><div><span style="font-size: 10.5pt">Work Culture. Our colleagues are some of the best in the industry; we are all here to help and support one another.</span></div><div><span style="font-size: 10.5pt">One cohesive team. Engage stakeholders to achieve our ultimate goal - Cryptocurrency in every wallet.&nbsp;</span></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><b><i style="font-size: 13.5pt">Are you ready to kickstart your future with us?&nbsp;</i></b></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><b style="font-size: 13.5pt">Benefits</b></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><span style="font-size: 10.5pt">Competitive salary&nbsp;</span></div><div><span style="font-size: 10.5pt">Medical insurance package with extended coverage to dependents&nbsp;</span></div><div><span style="font-size: 10.5pt">Attractive annual leave entitlement including: birthday, work anniversary</span></div><div><span style="font-size: 10.5pt">Work Flexibility Adoption. Flexi-work hour and hybrid or remote set-up</span></div><div><span style="font-size: 10.5pt">Aspire career alternatives through us. Our internal mobility program can offer employees a diverse scope.&nbsp;&nbsp;</span></div><div><span style="font-size: 10.5pt">Work Perks:&nbsp;</span><a class="postings-link" style="font-size: 10.5pt" href="http://crypto.com/">crypto.com</a><span style="font-size: 10.5pt">&nbsp;visa card provided upon joining&nbsp;</span></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><span style="font-size: 10.5pt">Our&nbsp;</span><a class="postings-link" style="font-size: 10.5pt" href="http://crypto.com/">Crypto.com</a><span style="font-size: 10.5pt">&nbsp;benefits packages vary depending on region requirements, you can learn more from our talent acquisition team.</span></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><b style="font-size: 13.5pt">About&nbsp;</b><a class="postings-link" style="font-size: 13.5pt" href="http://crypto.com/"><b>Crypto.com</b></a><b style="font-size: 13.5pt">:</b></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><span style="font-size: 10.5pt">Founded in 2016,&nbsp;</span><a class="postings-link" style="font-size: 10.5pt" href="http://crypto.com/">Crypto.com</a><span style="font-size: 10.5pt">&nbsp;serves more than 150 million customers and is the world's fastest growing global cryptocurrency platform. Our vision is simple: Cryptocurrency in Every Wallet™. Built on a foundation of security, privacy, and compliance,&nbsp;</span><a class="postings-link" style="font-size: 10.5pt" href="http://crypto.com/">Crypto.com</a><span style="font-size: 10.5pt">&nbsp;is committed to accelerating the adoption of cryptocurrency through innovation and empowering the next generation of builders, creators, and entrepreneurs to develop a fairer and more equitable digital ecosystem.</span></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><span style="font-size: 10.5pt">Learn more at&nbsp;</span><a class="postings-link" style="font-size: 10.5pt" href="https://crypto.com/">https://crypto.com</a><span style="font-size: 10.5pt">.&nbsp;</span></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><a class="postings-link" style="font-size: 11.5pt" href="http://crypto.com/">Crypto.com</a><span style="font-size: 11.5pt">&nbsp;is an equal opportunities employer and we are committed to creating an environment where opportunities are presented to everyone in a fair and transparent way.&nbsp;</span><a class="postings-link" style="font-size: 11.5pt" href="http://crypto.com/">Crypto.com</a><span style="font-size: 11.5pt">&nbsp;values diversity and inclusion, seeking candidates with a variety of backgrounds, perspectives, and skills that complement and strengthen our team.</span></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><div><span style="font-size: 11.5pt">Personal data provided by applicants will be used for recruitment purposes only.</span></div><div><span style="font-size: 10.5pt">&nbsp;</span></div><p>Find <a href="https://www.arbeitnow.co.uk">Jobs in United Kingdom</a> on Arbeitnow</a>