Product Director, Core Banking and Payments

As Product Director, Core Banking and Payments at Crypto.com, you own the end-to-end product strategy for fiat pay-in (deposits) and pay-out (off-ramp) capabilities that enable millions of Retail, Private, and Institutional clients to move money in and out of the platform instantly, globally, and reliably. You will define where you build, which rails you use, which banks you partner with, and how you route transactions, with direct accountability for Total Funds Flow, acceptance rates, settlement speed, and cost-per-transaction across every market Crypto.com operates in. This role reports to the VP of Product, Banking.

What you'll do

• Build and optimise 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 optimising 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

What you bring

• 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 such as segregated accounts, wire processing, and 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 payment scheme integrations (SWIFT, SEPA, FPS, ACH, etc.)
• Experience integrating with bank partners, PSPs, and acquiring processors
• Strong people management capabilities with a track record of developing high-performing teams
• Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership

What we offer

• Competitive salary
• Medical insurance package with extended coverage to dependents
• Attractive annual leave entitlement including birthday and work anniversary
• Flexible work hours and hybrid or remote setup
• Internal mobility program offering diverse career pathways
• Crypto.com Visa card provided upon joining

About Crypto.com

Founded in 2016, Crypto.com serves more than 150 million customers and is the world's fastest growing global cryptocurrency platform. Built on a foundation of security, privacy, and compliance, Crypto.com is committed to accelerating the adoption of cryptocurrency through innovation and empowering the next generation of builders, creators, and entrepreneurs.