Product Operations Associate

Who you are

• 3-5 years experience in a product operations, strategy, or programme management role in a consumer fintech, payments, or banking business - ideally at a company with a card or payments product
• Strong working knowledge of the regulatory and compliance landscape for consumer financial products in one of more regions
• Experience working alongside or within fraud and risk functions; understanding of how fraud controls interact with product design
• Proven ability to manage multiple concurrent workstreams with different stakeholders and different cadences, without dropping the ball
• Track record of turning complex operational data into clear, actionable MI for product and leadership teams
• Structured thinker who's comfortable in the detail but can step back and see the bigger picture
• Strong communicator - able to translate between the worlds of compliance, risk, engineering, and product
• 3-5 years experience with card issuing programmes (scheme rules, chargeback processes, fraud typologies)
• Familiarity with third party banking and payments vendors (e.g. BIN sponsors, scheme processors, TPP aggregators)
• Prior experience in a fast-scaling consumer fintech or neobank
• Exposure to crypto or digital assets products
• We encourage you to apply for roles where you don't fully meet the listed requirements, especially if you're passionate or knowledgeable about crypto

What the job involves

• Product Ops at Krak is a co-ordination and intelligence function. Your job is to make sure that the cross-functional dependencies that could slow or derail delivery are surfaced early, actively managed, and resolved
• You'll also help the team make better product decisions by curating the right operational data and bringing market and vendor intelligence into the room
• You'll work across four areas: compliance and risk co-ordination, third party vendor management, responding to management information (MI) and feature performance, and strategic market intelligence
• Your job is to make sure the right conversations happen at the right time, and that nothing falls through the cracks on the way to launch
• Maintain live, product-specific trackers of open compliance and legal items, including DRIs, status, and upcoming milestones
• Triage new features against regulatory requirements ahead of development; ensure sign-off is built into delivery milestones
• Work closely with fraud leads to ensure fraud controls and risk/velocity rules are factored into feature design (card, third party payments, and others)
• Ensure fraud and CE teams are operationally positioned - with the right tooling, admin access, battlecards, and support articles - ahead of new product and feature launches
• Support incident response for product-related issues and ensure post-incident reviews feed into product changes
• Maintain product-specific vendor trackers covering status, open actions, key contacts, and upcoming milestones
• Own the cadence for performance reviews with key vendors and track actions to closure
• Maintain a working view of vendor roadmaps and capabilities; produce periodic briefings on where vendor developments create product opportunities or constraints
• Ensure experiments and feature launches are supported by readily available fraud, dispute, and CE metrics alongside commercial KPIs
• Interpret fraud, dispute, CE, and auth/decline data to identify emerging issues and surface them to the right teams
• Drive follow-through on cross-functional findings - whether that's a compliance flag or a vendor issue
• Scan the market for competitors' changes to features, pricing, and risk positioning
• Monitor regulatory and market developments that could affect the Krak roadmap
• Identify third party vendor capabilities that could enable features not yet on the roadmap; flag where the current stack may be a constraint

Benefits

• Remote-first and work from anywhere
• Competitive salary regardless of location, and the option to be paid in crypto
• Equity grants offered with most roles
• Flexible paid time off
• Wellness Program that includes a fitness coach, free access to wellbeing apps, and a monthly wellness stipend
• Mental health and life coaching benefits for you and your dependents
• Startup-level autonomy with the scale and learning opportunities of a global platform
• Remote workstation set-up bonus
• And more!