Job Summary:
HIFI is a company focused on making money programmable by default, aiming to provide developers and businesses with the tools to move value at software speed. The Program Manager will be responsible for the design, launch, and scaling of debit card and banking programs, managing relationships with banks and networks, and overseeing compliance and operational risks.
Responsibilities:
• Launch and scale stablecoin-powered debit card and banking programs end-to-end — BIN setup, network certification, launch, and ongoing operations.
• Own day-to-day relationships with sponsor banks, issuer processors, and card networks — operating cadences, SLA accountability, and contract and commercial negotiations.
• Operationalize the transaction flow from authorization to on-chain stablecoin settlement, including monitoring, incident response, and reconciliation.
• Run risk and compliance operations for card programs — fraud, disputes, and chargebacks alongside Reg E, network rules, and audit readiness — in coordination with banks, processors, and our Compliance Engineer.
• Own card program unit economics in production — interchange, FX spread, reserve yield, cost-per-transaction — and partner with Product on improvements.
Qualifications:
Required:
• 4+ years of program or operations management in card issuing, payments infrastructure, or an adjacent fintech domain.
• Deep operational understanding of card network mechanics — authorization, settlement, BIN management, chargebacks, and Visa/Mastercard compliance.
• Hands-on experience managing sponsor banks, processors, or networks directly — you've run the QBRs and pushed back when the contract wasn't right.
• Familiarity with stablecoins, crypto wallets, or on-chain payments — you understand how settlement works on-chain and off, and why the timing matters operationally.
• High agency under ambiguity — you move fast, raise problems early, and build the playbook where none exists yet.
Preferred:
• Launched a card program from zero — network certification, bank negotiation, operational ramp — not just inherited one.
• Familiarity with Visa Direct or Mastercard Send, including AFT (Account Funding Transaction) and OCT (Original Credit Transaction) flows.
• Hands-on with on-chain stablecoin settlement in production — you've operated or debugged the flow, not just used it.
• Early-stage startup experience — scoped the program, found the vendor, negotiated the contract, and launched in the same quarter.
Company:
HIFI is a next-generation payments and stablecoin infrastructure company. Founded in 2022, the company is headquartered in New York, USA, with a team of 11-50 employees. The company is currently Early Stage.