Product Director – Core Banking and Payments

Crypto.com

Product Director at Crypto.com managing the product strategy for fiat pay-in and pay-out capabilities. Leading payment infrastructure and banking partnerships for millions of clients globally.

Posted 7/30/2026full-timeMelbourne • 🇦🇺 AustraliaLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in building and optimizing cross-border payment infrastructure, with a focus on integrating payment rails and developing scalable fiat solutions for institutional clients. Proven ability to lead commercial negotiations and manage stakeholder relationships across various functions.

Highest-signal resume keywords

Payment Infrastructure LeadershipCross-Border Payment Rails DevelopmentDirect Bank IntegrationsPayment Orchestration and Dynamic RoutingFiat Solutions for Institutional Clients

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Payment Protocol IntegrationsAPI Product ManagementBank Transfer ProcessingFraud Rule OptimizationCompliance Logic DevelopmentDynamic Routing LogicHigh-Volume Transaction ManagementSegregated Bank AccountsBulk Pay-Out APIsCore Banking Platforms

Soft Skills

People ManagementStakeholder Management

Tools & Technologies

SWIFTSEPAFPSACH

Industry Keywords

FintechTradingExchangePayment RailsCommercial Partnerships

Tech Stack

Tools & technologies

Ruby on RailsSwift

About the role

Key responsibilities & impact

Build and optimize cross-border payment infrastructure across all markets, ensuring maximum rail coverage and uptime for fiat access.
Select and integrate payment rails based on transaction speed requirements (T+0 vs T+1) to support instant trading activities.
Structure banking partnerships to maintain zero (or near-zero) downtime liquidity for mass user pay-outs and high-frequency trading settlement.
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.
Lead commercial negotiations and technical integrations for direct bank relationships — securing preferential rates, dedicated service levels, and custom solutions tailored to trading businesses.
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.
Build compliant and scalable fiat payment solutions for institutional clients — including segregated bank accounts, high-value wire processing, and bulk pay-out APIs.

Requirements

What you’ll need

7–10+ years of product leadership experience, with at least 7 years focused on payment infrastructure or core banking products
Demonstrated success building and scaling cross-border payment rails in a high-volume, real-time environment
Experience with direct bank integrations (not just white-label PSPs) and commercial partnership negotiation
Track record of leading payment orchestration and dynamic routing logic in production
Experience building fiat solutions for institutional clients (segregated accounts, wire processing, bulk APIs)
Background in or significant exposure to trading, exchange, or fintech environments
Technical acumen across complex API products, data flows, and payment protocol integrations
Hands-on experience with core banking platforms and/or payment scheme integrations (SWIFT, SEPA, FPS, ACH, etc.)
Experience integrating with bank partners, PSPs, and acquiring processors
Strong people management capabilities — you develop and hold a high bar for your team
Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership

Benefits

Comp & perks

Competitive salary
Medical insurance package with extended coverage to dependents
Attractive annual leave entitlement including: birthday, work anniversary
Work Flexibility Adoption. Flexi-work hour and hybrid or remote set-up
Aspire career alternatives through us. Our internal mobility program can offer employees a diverse scope.
Work Perks: crypto.com visa card provided upon joining