Head of Product - Cards

Adyen

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. The role The Head of Credit Risk is a pivotal global leadership position within Adyen’s Operations function. While our Second Line defines the boundaries and Product builds the tools, Merchant Risk owns the execution. You are responsible for the day-to-day management of Adyen’s counterparty exposure originating from credit risk and chargeback risk. As the chair of the Merchant Risk Committee (MRC) and a member of the Risk Committee (RC), you are the operational voice that bridges the gap between commercial ambition and financial prudence. What you’ll do  * Global Leadership: Lead and scale a high-performing global team across Amsterdam, Singapore and Chicago. You will ensure consistency in decision-making while accounting for regional market differences. * Operational Risk Ownership: Oversee the daily monitoring and manual review of high-exposure merchants within the MPL (Merchant Potential Liability) and Credit Risk (Adyen Capital/Charge Cards) frameworks. * High-Stakes Decisioning: Act as the final operational escalation point for "edge case" approvals. You will ensure your teams are prepared and ready to present formal proposals for high-risk merchant decisions to the Merchant Risk Committee (MRC). * Strategic Influence: While Product owns the models and Second Line owns the appetite, you are the primary feedback loop. You will use operational data to influence and propose changes to Credit Models, Risk Policies, and Risk Appetite. * Collections Strategy: Direct the global Collections function, ensuring that when risks materialize, recovery efforts are swift, professional, and effective. * Stakeholder Navigation: Maintain a tight partnership with Product to ensure risk tools are fit-for-purpose and with Second Line Risk to ensure operational alignment with corporate governance. Who you are * 8+ years in an operational risk or credit leadership role within Fintech or high-volume payments. * Experience managing global, multi-region teams is preferred but not essential. * Deep understanding of the merchant lifecycle, bankruptcy risk, and the mechanics of lending/charge cards. * Excellent Communication: Ability to translate complex operational risks into clear, concise proposals for executive committees. * You don't just follow the policy—you identify when the policy is outdated and have the data-backed confidence to propose a better way forward. Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility. Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status. All your information will be kept confidential according to EEO guidelines.   Additional Information This role is based out of our Amsterdam office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

Adyen

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. Payment Partnerships Manager Adyen is looking for a Payment Partnerships Manager who will advance Adyen’s strategy and agenda with key payment methods in EMEA including card networks, local and alternative payment methods, and financial institutions. In this role you will drive high-impact partnerships for Adyen and use your influence and tenacity to build strong commercial collaborations across the region. You’ll work closely with a broad range of cross-functional stakeholders building strategic and successful relationships.  This is a full-time position based in our Amsterdam or London office reporting into our Head of Payment Partnerships for EMEA. What you’ll do * Manage strategic partnerships: Build and nurture relationships with leading payment methods at local and continental levels. Define and execute a proactive, multi-year strategy across a multitude of payment methods (card-based, bank-based, alternative) * Negotiate complex agreements and drive alignment with partners’ senior counterparts and internal stakeholders to ensure Adyen remains at the forefront of payments innovation * Deliver high-impact projects: Coordinate high-caliber, complex projects to improve financial and operational performance. Think strategically and implement effectively key initiatives at scale, solving key trade-offs and navigating between commercial opportunities and product challenges * Cross-Functional collaboration: Partner with product, commercial and finance teams to define and execute go-to-market strategies. Provide market insights to accelerate our product roadmap and commercialization efforts. Who you are * 5+ years relevant experience in payments strategic partnerships  * Deep knowledge of the payments landscape, with critical thinking skills to understand and interpret emerging trends  * Proven success in negotiating multi-year agreements and partnerships  * A strategic mindset paired with the ability to make data-driven decisions and execute operationally * Exceptional communication and negotiation skills, with the ability to influence both internal and external stakeholders across different functions and organizational levels * Comfortable operating in a fast-paced, high-growth environment * Full professional proficiency (written and verbal) in English. Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility. This role is based out of our Amsterdam or London office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

Creative Fabrica

About Creative Fabrica Creative Fabrica is a subscription platform serving millions of creators, designers, and crafters worldwide. We're built on the principle that everyone can be creative. We remove what stands in the way: expensive software, technical expertise, and time-consuming production. Our Studio AI suite offers more than 26 specialized AI tools that automate technical work: generate custom images, remove backgrounds, create fonts, and produce publication-ready designs in minutes instead of hours. Our content library contains 15+ million commercially-licensed fonts, graphics, SVGs, and templates, giving you professional-quality building blocks without the expense or time of creating assets from scratch. ABOUT THE ROLE: Creative Fabrica is building Studio, a next-generation creative platform powered by AI, APIs, cloud infrastructure, and external technology vendors. As Studio scales, infrastructure economics, vendor strategy, and platform monetization become critical. We are looking for a highly analytical and commercially strong operator to own the financial and strategic layer behind our platform infrastructure. You will be responsible for managing cloud and vendor spend, optimizing infrastructure economics, tracking commitments and renewals, driving cost-saving initiatives, supporting API pricing strategy, and ensuring we operate Studio efficiently at scale. This role sits at the intersection of: * Finance * Infrastructure * Product * Engineering * Commercial Strategy You will work directly with leadership and have a measurable impact on margins, scalability, and platform profitability. WHAT YOU WILL DO:  * Vendor & Contract Management * Own strategic vendor relationships across cloud, infrastructure, AI, SaaS, and technology partners. * Maintain a centralized contract and vendor repository. * Track commitments, pricing agreements, amendments, and renewal timelines. * Identify renegotiation opportunities and commercial improvements. * FinOps & Infrastructure Economics * Own AWS, GCP, Alibaba Cloud, and related infrastructure spend. * Monitor usage, cost trends, commitments, and infrastructure efficiency. * Build reporting and forecasting together with Finance. * Identify and drive infrastructure savings initiatives. * Introduce cost governance, budget visibility, and usage accountability across teams. * Platform Economics & Pricing * Support pricing strategy for Studio APIs and platform services. * Analyze margins, infrastructure costs, and profitability across products. * Benchmark competitor pricing models and identify optimization opportunities. * Evaluate resale opportunities for third-party APIs and infrastructure services. * Support monetization and commercial packaging decisions. * Commercial Optimization * Analyze vendor performance, pricing structures, and market alternatives. * Support buy-vs-build and vendor selection decisions. * Continuously optimize platform economics and operational efficiency. * Compliance & Reporting * Own WBSO tracking and reporting in collaboration with Finance and Engineering. * Ensure accurate financial and operational documentation. * Track and request additional subsidy opportunities. WHAT YOU WILL NEED:  * 5+ years experience in FinOps, strategic sourcing, procurement, infrastructure finance, cloud economics, or related fields. * Strong understanding of cloud infrastructure pricing models (AWS, GCP, Alibaba Cloud). * Experience managing large vendor contracts and commercial negotiations. * Strong financial and analytical skills. * Advanced spreadsheet and modeling capabilities. * Experience building reporting around spend, forecasting, commitments, and profitability. * Experience working cross-functionally with Finance, Product, and Engineering teams. * SQL skills for analyzing infrastructure, API, usage, and financial data. * Strong understanding of SaaS/API pricing models and consumption-based businesses. * Ability to independently drive optimization and cost-saving initiatives. * Highly analytical and detail-oriented. * Commercially aggressive and negotiation-driven. * Structured and organized. * Strong ownership mentality. * Comfortable operating in fast-moving environments. * Able to simplify complex infrastructure and pricing decisions into actionable business insights. * Strong communication and stakeholder management skills. * Pragmatic and execution-focused. NICE TO HAVE: * Experience with AI infrastructure, LLM pricing, token economics, or GPU workloads. * Experience in high-scale API businesses. * Experience with infrastructure cost allocation and internal chargeback models. * Experience with Reserved Instances, Savings Plans, Kubernetes optimization, or GPU utilization optimization. * Experience with WBSO administration and reporting.Background in consulting, investment analysis, infrastructure operations, or strategic finance. * Experience benchmarking competitors and deconstructing pricing models WE WOULD ALSO LIKE TO OFFER YOU: * Lunch: On days you work in the office a warm fresh lunch will be provided for you. * Up to 15 days Work From Anywhere Benefit. * 24 days of paid vacation per year + public holidays. * Travel Allowance, if you live more than 10 KM from the office (in the form of an NS card) * Company pension plan. * Company events and overseas trips!   IS THIS YOU? Get in touch! We'd love to speak to you. You can apply by clicking the "Apply now" button. Creative Fabrica is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.