Who are we
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 also recognised as one of Singapore's Top 10 Startups in the LinkedIn Top Startups 2025 list, a reflection of our momentum and the exciting journey ahead for our team.
What you'll do:
- Own the end-to-end product roadmap for dtcpay's card issuing program across multiple market entities, driving consistency in core product logic while adapting to local regulations, scheme requirements, and market-specific user needs.
- Drive deep understanding of card economics including interchange structures, scheme fees, issuer profitability models, FX margin, and cost-revenue optimization across geographies.
- Define and deliver core card features including notification systems, balance display, auto authorisation release logic, MCC-level controls, and non-transferrable funds handling.
- Partner with Card Operations, Compliance, Risk, and Engineering teams to design scalable workflows, dispute resolution, chargeback management, and exception handling.
- Translate scheme rules, regulatory requirements, and partner specifications into clear PRDs and acceptance criteria for engineering execution.
- Design and optimise card-related user journeys across the app, ensuring multi-currency clarity, transaction transparency, and a frictionless cardholder experience.
- Define product metrics across card activation rate, transaction volume, decline rates, fraud incidence, and operational SLAs; drive iteration based on data.
- Act as the L3 product escalation point for Card Operations, providing root cause analysis and product-level resolution for complex issues that cannot be resolved at L1/L2 support.
What we're looking for:
- 5+ years of product management experience overall, with at least 3 years owning card issuing, card programs, or payment infrastructure products in a fintech, neobank, or payments company.
- Solid understanding of card transaction flows including authorisation, clearing, settlement, chargebacks, and dispute mechanics.
- Working knowledge of major card scheme rules, interchange economics, and issuer-side commercial structures.
- Demonstrated ability to write detailed PRDs, define acceptance criteria, and partner closely with engineering on technical implementation.
- Strong analytical skills with the ability to interpret card transaction data, identify edge cases, and design product solutions for exception flows.
- Excellent stakeholder management across compliance, operations, engineering, and business teams.
- Bilingual in English and Mandarin.
