Product Manager – Card Program – Madrid, Spain

 Hybrid mode – 3 days per week at the office

Office location – Madrid Calle De La Princesa

Western Union powers your pursuit.

We are looking for a highly motivated and results-driven Product Manager to oversee and drive the growth of our Card Program.

Responsible for the end-to-end management of the card product, from strategy and development to launch and continuous improvement.

You will work closely with cross-functional teams such as Engineering, Design, Operations, Compliance, and Marketing to deliver a seamless, secure, and innovative card experience for our customers.

  

Role Responsibilities

Product Strategy & execution

• Define and execute the strategy for the card program aligned with the overall business and customer objectives >> Roadmap definition and execution

• Analyze market trends, customer feedback, and competitor offerings to define product development and identify new opportunities.

• Create and maintain a product roadmap, prioritizing features and enhancements based on business impact, customer needs, and technical feasibility.

Cross functional collaboration

• Work closely with Engineering, UX/UI, Risk, Compliance, and Legal teams to define and deliver product features, ensuring alignment with customer needs and regulatory requirements.

• Act as the primary point of contact for all stakeholders regarding product updates, requirements, and priorities.

Product Development and Lifecycle management

• Lead the full product lifecycle, from ideation and design through to development, testing, launch, and post-launch improvements.

• Develop clear, actionable user stories, acceptance criteria, and define the backlog to guide the team’s work.

• Ensure timely delivery of features and products with a strong focus on quality, performance, and user experience.

Operations Management & Third-Party Vendor Management

• Oversee the day-to-day operations of the card program, ensuring seamless card issuance, activation, transaction processing, and customer support.

• Manage relationships with third-party vendors, including card manufacturers and payment processors, to ensure high-quality service delivery, compliance, and adherence to SLAs (Service Level Agreements).

• Regularly evaluate third-party performance, and ensure that vendor operations align with our operational and customer service standards.

• Identify operational inefficiencies and work with relevant teams and vendors to implement process improvements.

  

Risk and Compliance management

• Collaborate with legal, compliance, and risk teams to ensure all features comply with relevant regulations and standards.

• Proactively manage and mitigate any product-related risks, ensuring a secure and compliant offering.

  

Performance & Optimization

• Continuously monitor the performance of the card product through data-driven insights and key performance indicators (KPIs).

• Identify opportunities for product enhancements and optimizations to improve user engagement, card activation, and overall usage.

Customer centric innovation

• Champion the voice of the customer, gathering insights through surveys, data analysis, and direct customer interactions to ensure the product meets user expectations.

• Identify areas to improve the customer experience, including card activation, digital wallet integration, transaction notifications, fraud protection, and loyalty rewards.

Role Requirements

• +5 years in product management or product ownership, with experience in digital banking, financial services, or payments.

• Proven track record of successfully managing financial products, preferably in the card, payment, or fintech space.

 • Strong understanding of payment systems, card features, digital wallets, and cardholder benefits.

• Expertise in Agile methodologies and product management tools (e.g., JIRA, Confluence)

• Exceptional communication, presentation, and negotiation skills to work with both technical and non-technical stakeholders.

• Data-driven decision-making skills with the ability to analyze and interpret product performance metrics.

Preferred Qualifications

• Experience with card network providers (e.g., Visa, MasterCard) and payment gateways.

• Knowledge of regulatory requirements and compliance in the financial industry (e.g., PCI DSS, PSD2).

• Strong analytical skills, with experience in tools like SQL, Excel, or data visualization software (e.g., Tableau, Power BI).

We make financial services accessible to humans everywhere. Join us for what’s next.

Western Union is positioned to become the world’s most accessible financial services company — transforming lives and communities. To support this, we have launched a Digital Banking Service and Wallet across several European markets to enhance our customers’ experiences by offering a state-of-the-art digital Ecosystem. More than moving money, we design easy-to-use products and services for our digital and physical financial ecosystem that help our customers move forward.

Just as we help our global customers prosper, we support our employees in achieving their professional aspirations. You’ll have plenty of opportunities to learn new skills and build a career, as well as receive a great compensation package. If you’re ready to help drive the future of financial services, it’s time for Western Union. Learn more about our purpose and people at https://careers.westernunion.com/.

Benefits

You will also have access to short-term incentives, multiple health insurance options, accident and life insurance, and access to best-in-class development platforms, to name a few (https://careers.westernunion.com/global-benefits/). Please see the location-specific benefits below and note that your Recruiter may share additional role-specific benefits during your interview process or in an offer of employment.

Your Spain specific benefits include:

·        25 days annual leave – plus 14 public holidays

·        Comprehensive life & medical cover – including dependents.

·        Contributory pension plan

·        Preventative Care Assistance program

Western Union values in-person collaboration, learning, and ideation whenever possible. We believe this creates value through common ways of working and supports the execution of enterprise objectives which will ultimately help us achieve our strategic goals. By connecting face-to-face, we are better able to learn from our peers, problem-solve together, and innovate. 

Our Hybrid Work Model categorizes each role into one of three categories. Western Union has determined the category of this role to be Hybrid. This is defined as a flexible working arrangement that enables employees to divide their time between working from home and working from an office location. The expectation is to work from the office a minimum of three days a week.

We are passionate about diversity. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status. The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.

#LI-LP #LI-Hybrid

Estimated Job Posting End Date:

03-14-2025

This application window is a good-faith estimate of the time that this posting will remain open. This posting will be promptly updated if the deadline is extended or the role is filled.