This is a mission-critical product leadership role at the heart of Crypto.com's global trading engine. As Product Director, Core Banking & Payments, you will own the end-to-end product strategy for fiat pay-in (deposits) and pay-out (off-ramp) capabilities — the infrastructure that enables millions of Retail, Private, and Institutional clients to move money in and out of the platform, instantly, globally, and reliably.
You will define where we build, which rails we use, which banks we partner with, and how we route transactions — with direct accountability for Total Funds Flow, acceptance rates, settlement speed, and cost-per-transaction across every market we operate in. This role reports to the VP of Product, Banking.
Responsibilities
Global Banking Network
Build and optimize cross-border payment infrastructure across all markets, ensuring maximum rail coverage and uptime for fiat access.
Speed & Latency
Select and integrate payment rails based on transaction speed requirements (T+0 vs T+1) to support instant trading activities.
Liquidity & Settlement
Structure banking partnerships to maintain zero (or near-zero) downtime liquidity for mass user pay-outs and high-frequency trading settlement.
Acceptance Rate Optimization
Drive meaningful improvements in pay-in acceptance across credit card, debit card, and bank transfer channels by optimizing processor relationships, fraud rules, and compliance logic.
Strategic Bank Partnerships
Lead commercial negotiations and technical integrations for direct bank relationships — securing preferential rates, dedicated service levels, and custom solutions tailored to trading businesses.
Payment Orchestration & Routing
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.
Institutional On-Ramp
Build compliant and scalable fiat payment solutions for institutional clients — including segregated bank accounts, high-value wire processing, and bulk pay-out APIs.
Requirements
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 (segregated accounts, wire processing, 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
Founded in 2016, Crypto.com serves more than 150 million customers and is the world's fastest growing global cryptocurrency platform. Our vision is simple: Cryptocurrency in Every Wallet™. 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 to develop a fairer and more equitable digital ecosystem.
Crypto.com is an equal opportunities employer and we are committed to creating an environment where opportunities are presented to everyone in a fair and transparent way. Crypto.com values diversity and inclusion, seeking candidates with a variety of backgrounds, perspectives, and skills that complement and strengthen our team.
Personal data provided by applicants will be used for recruitment purposes only.
Please note that only shortlisted candidates will be contacted.
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