Product Manager

1. Card Processing Architecture & Lifecycle Design

• Design the end-to-end transaction lifecycle, including authorization, hold/freeze, clearing, refund, and chargeback/dispute processes.
• Define transaction state machines and accounting ledger rules to ensure strict financial ledger consistency.
• Plan multi-tier account structures (e.g., master accounts, sub-accounts, authorization vs. settlement balances).
• Support transaction specifications across multiple card networks (Visa, Mastercard, UnionPay, etc.).

2. Multi-BIN Sponsor Integration & Management

• Lead product and technical integrations with various BIN Sponsors and Issuer Banks.
• Establish a unified BIN integration framework, abstracting differentiated parameters (transaction limits, risk control, KYC, settlement cycles, etc.).
• Maintain compliance, clearing, and settlement requirements across multiple sponsors, ensur...