OTT Pay Inc. is an established, fully funded fintech company focused on delivering streamlined financial payment solutions. With a strategic focus on both acquiring and issuing business, we are developing a mobile-first platform that offers a wide range of financial services, loyalty programs, and innovative products, including credit cards, payment solutions, e-commerce, gift cards, and more. We are a results-driven, forward-thinking organization that values goal orientation and continuous improvement.
Yoo Financial is a cutting-edge fintech company under OTT Pay and is preparing for launch its MasterCard BIN-based issuing platform that will enable virtual and physical card issuance, tokenization for digital wallets, loyalty and rewards functionality, and end-to-end settlement flows.
We are seeking a senior Card Issuing Product Lead who has hands-on experience building and launching card programs end-to-end. This leader understands what it takes to transform a BIN to a fully launched, tokenized, compliant, revenue-producing payment product. This is a full-time, permanent position that requires regular onsite presence at our 1123 Leslie St office location.
What’s in it for you:
Competitive compensation: $150K+ base salary, performance-based bonus, and ESOP potential
Premium benefits: comprehensive coverage, wellness perks, and generous paid vacation
Leadership visibility: work directly with the senior leadership team and influence key decisions
High-impact opportunities: take ownership of transformative projects that shape the company’s growth trajectory
Career advancement: clear path to expanded leadership roles in a progressive, high-performing organization
Prestige & culture: modern offices with exclusive gym access, wellness programs, team events, and strong community presence
How you will contribute:
Product Leadership
Own and execute the end-to-end roadmap for card issuing to ensure every component fits into a coherent issuing architecture: BIN lifecycle, card profile, MDES enablement, and scheme compliance
Manage partner technical stakeholders and sponsor bank relationships
Lead scheme certification and audit deliverables
Issuing Product Definition & Lifecycle Design
Define card logic, onboarding flows, limits, AML/KYC requirements, fee model, and user experience
Oversee tokenization and DPAN mapping
Settlement & Reconciliation Architecture
Define operational SLAs with sponsor bank
Implement daily reconciliation, settlement cut-off, and dispute workflows
Risk & Compliance
Establish velocity/risk rules and anti-BIN attack protections
Ensure AML, PCI-DSS, and card scheme audit readiness
Build Loyalty & Rewards Capabilities
Drive loyalty, rewards, and cardholder engagement strategy
Design and operationalize issuer-funded and merchant-funded incentive models
Internal Leadership
Translate scheme rules into actionable engineering and operational deliverables
Collaborate with compliance, risk, and security teams to align AML, PCI, and program expectations
What you bring to the table:
8+ years of experience in card issuing across MasterCard, Visa, digital banking, or issuer processing environments in North America
Hands-on experience launching at least one BIN-based card program (mandatory), with ownership beyond advisory roles
Exposure to Prepaid, Debit, Gift Card, or Loyalty ecosystems is preferred
Strong understanding of settlement, reconciliation, chargebacks, digital wallet tokenization, and post-launch operations
Excellent communication, documentation, and stakeholder management skills
Demonstrated ability to influence teams and deliver outcomes without direct reporting structures
Office Location: 1123 Leslie Street, North York
Schedule: Mon – Fri, 9:00am to 5:30pm
OTT Pay Inc. is committed to fostering an inclusive and accessible environment where all employees feel valued and respected, and where every employee can realize their potential. We are committed to providing reasonable accommodation, if required, and will work with you to meet your needs. We appreciate all applicants for their interest; however, only those candidates selected for an interview will be contacted.
