Head of Product

Head of Product (Cards) - Monieworld
Who We Are
Moniepoint Group has been ranked one of Africa's fastest-growing fintech companies three years in a row by the Financial Times. Backed by Visa and Google's Africa Investment Fund in our $110 million Series C, we're building transformative financial products that solve real problems, starting with underserved communities across Africa and the diaspora. Our growth isn't just fast, it's meaningful, creating real impact for tens of millions of people who have been left out of the financial system.

As part of this expansion, we've launched Monieworld. MonieWorld is a subsidiary of Moniepoint Inc. Our goal is to enable financial happiness for every African, everywhere, and this is day one. Join us on our mission to build a differentiated banking platform for the African diaspora that makes it easier to support loved ones, manage finances across continents, and participate more fully in global economic life

About The Role
Location: London (hybrid, 2 days a week at the office). We're based in a modern office near Southwark station in downtown London.

As Head of Product, you'll define and deliver a best-in-class consumer debit card program and proposition for Monieworld - one that seamlessly integrates into our multi-currency and cross-border platform and serves the unique needs of the African diaspora.

We're looking for someone who brings deep expertise in building and scaling consumer card programs, with direct accountability for commercial performance, customer adoption, and market differentiation. You should have previously launched or led the development of a debit or credit card product in the UK market, owning the full lifecycle: strategy, scheme relationships, processing integrations, customer experience, and go-to-market execution.

This Is a Unique Opportunity To

• Build a card product from the ground up, owning the full lifecycle from vision to launch and growth;
• Lead relationships with card schemes, processors, and personalization bureaus to deliver a competitive UK product;
• Shape the customer experience and design features that drive acquisition, activation, and ongoing spend for globally-minded users;
• Own the commercial outcomes of the card business, including adoption, retention, engagement, and unit economics;
• Help chart a path toward in-house issuance and future principal membership with card schemes, giving us more flexibility and control as we scale.

We're looking for a product leader who thrives on solving complex problems, has a vision for what a transformative consumer card experience should look like, and is excited about driving financial inclusion on a global scale.

Job Responsibilities

• Product strategy and vision: Define and execute the roadmap for our debit card offering, ensuring alignment with Monieworld's multi-currency and cross-border payments goals.
• Commercial ownership: Own the P&L for the card business, driving adoption, activation, spend, and retention, while optimizing revenue streams such as interchange and fee income.
• Customer growth and experience: Build features, rewards, and experiences that drive engagement and differentiate our card and the MonieWorld platform in a competitive UK market.
• Go-to-market execution: Partner with marketing, partnerships, and distribution teams to launch the product and scale adoption.
• Operational ownership: Oversee daily card program operations, including transaction processing, dispute resolution, fraud handling, and card lifecycle management.
• Scheme and partner management: Lead integrations and ongoing relationships with processors, card schemes, personalization bureaus, and core banking systems.
• Regulatory and scheme compliance: Develop processes to meet all relevant regulations and scheme rules, with a focus on security and scalability.
• Cross-functional leadership: Work closely with engineering, design, compliance, risk, and growth teams to deliver a seamless and compliant user experience.
• Team leadership: Hire, mentor, and lead a team of product managers to deliver on ambitious commercial and product goals.

Qualifications

• 8+ years of product management experience in fintech or payments, with direct ownership of a consumer card program in the past.
• Proven success launching and scaling products in an early-stage start-up or high-growth scale-up environment.
• Demonstrated experience with product P&L ownership or commercial performance accountability.
• Experience driving acquisition, activation, spend, and retention for consumer financial products.
• Deep understanding of card schemes (e.g. Visa, Mastercard) and managing issuer/processor relationships.
• Strong product and technical fluency: ability to work closely with engineers to ensure robust, scalable payments infrastructure.
• Background in engineering or deep technical product leadership is a plus, but not essential.
• Track record of leading high-performing product teams and delivering standout B2C experiences.
• Familiarity with the UK fintech ecosystem and regulatory environment is highly desirable.

What We Can Offer You

• Culture -We put our people first and prioritize the well-being of every team member. We've built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You'll receive an attractive salary, monthly bonus, up to 10% pension matching, health insurance, and 25 days of leave

What To Expect In The Hiring Process

• A preliminary call with one of our recruiters.
• A 45-minute interview with our Head of People.
• A 45-minute interview with MonieWorld's CTO.
• A 60-minute interview with the hiring manager, MonieWorld's CEO.
• In person workshop with our Head of Design, CEO, one of our divisional Heads of Product, and our Cards Engineering Manager.

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.