Crypto Card Product Manager

[About Gate]

Founded in 2013, Gate is a leading global cryptocurrency exchange, serving 54M+ users with a full suite of digital asset trading and wealth management services.Ranked third globally in overall exchange ranking.

We are a remote-first, globally distributed team, building the future of Web3 through innovation, collaboration, and speed. At Gate, you’ll have the opportunity to work on cutting-edge, We welcome every team member who dares to innovate and actively shares their ideas, driving progress together, and grow alongside a fast-scaling global business.

Join us to help shape the future of crypto. 🚀

[About This Role]

Gate's Card product has cleared the hardest part: the issuance channel is live, the first users are spending, and the core transaction loop works. The question now is whether we build a product matrix that cardholders actually reach for — or stay at MVP. You're joining at the moment the roadmap opens up: virtual, physical, co-branded, tiered — and you'll decide what gets built, in what order, and why. In 12 months, you'll have shipped at least one new SKU, moved the activation and retention numbers from acceptable to strong, and built the data layer that tells us where the next product opportunity lives. This is one of the few roles where traditional card issuance depth and crypto-native product thinking are both genuinely required — and both genuinely valued.

[What you'll do]

• Own the evolution from single card to product matrix — define the SKU roadmap across virtual, physical, and tiered cards, with a clear target user, benefit structure, and unit economics model for each
• Map and improve the full cardholder lifecycle: application, KYC, issuance, activation, first spend, repeat use, and upgrade — own the conversion rate at every stage of the funnel
• Drive product collaboration with issuing banks, card networks (Visa/Mastercard), and BIN sponsors — turn external dependencies into product capabilities instead of letting external timelines set your roadmap
• Work with risk to tune transaction authorisation and anti-fraud strategy, holding the balance between chargeback rate, fraud rate, and user experience while staying directly accountable to per-card margin
• Build the spending insights layer — MCC distribution, top merchants, cross-border share, crypto-to-fiat conversion timing — and use it to surface the next product bets: cashback, subscriptions, cross-border packaging, rewards

[What you'll bring]

Must-haves

• Has owned a card product end-to-end — understands where authorisation, clearing, settlement, and refund each break down, not just what they are
• Knows the commercial model from the inside: cost structure, interchange economics, FX markup — and can sit across the table from a BIN sponsor or issuing bank without needing a translator
• Has navigated compliance constraints and still shipped — finds the workable path between what users want and what regulation allows, rather than letting a compliance note become a project obituary
• Pulls insights independently from raw spending data — MCC patterns, conversion drop-off points, cohort behaviour — before the anomaly shows up in a dashboard

Strong-to-haves

• Background in crypto card products, neobank card issuance (Revolut, Wise, Airwallex), or traditional network-side product roles (Visa/Mastercard programme management)
• Has launched a card product in a new market where regulatory and banking relationships had to be built from scratch
• Has designed a rewards or cashback programme with a real P&L attached, not just a feature spec