Business Line Manager - Money Flows

Ledger is seeking a Business Line Manager for Money Flows, based in Paris, reporting to the Senior Director, Transactional Services. Money Flows connects users' crypto to the fiat world through on/off-ramp, cash-to-stablecoin, Card, P2P and Payments. The role owns and grows Money Flows end to end, including revenue, economics, partner ecosystem and the quality of every fiat journey in Ledger Wallet, with a General Manager mindset. The ambition is to grow revenue 10x in two to three years.

Responsibilities

Business line ownership and revenue delivery: accountable for Money Flows revenue, volume and take rate across buy, sell, cash-to-stablecoin, Card, P2P and Payments; Monetization and pricing: owning take rate by line, partner and payment method; Partner management and business development: identifying, signing, managing and negotiating with ramp, payment, stablecoin and card-issuing partners; Card programme ownership: running economics, activation and dormancy, issuer and processor performance, and card-scheme negotiations; Ledger Wallet experience: improving Buy, Sell, Card and Pay journeys with the Product Line Manager; Stablecoin and payments roadmap: shaping cash-to-stablecoin, Pay and P2P flows within regulatory frameworks such as MiCA with Legal and Compliance; Operational excellence and observability: partner SLAs, incident management, conversion, failed-payment and KYC-drop monitoring; Cross-functional delivery across Product, Technology, Finance, Legal, Compliance, Pricing, Marketing/CRM and other business lines

Requirements

Ownership mindset: demonstrated ability to own a business line or revenue stream end to end and make data-driven decisions; Exceptional quantitative skills: strong track record of using data to drive decisions and manage execution; Commercial & business development experience: proven results negotiating and managing external partners on pricing, terms and performance; Payments industry experience (required): hands-on knowledge of payments and acquiring, including conversion funnels, KYC, fraud and chargeback dynamics; Operational excellence: evidence of running something with rigor, managing operational risk, reducing errors and optimizing conversion or engagement; Influence in a matrixed organization: ability to align Product, Tech, Finance, Legal, Compliance and Marketing without direct authority; Consumer fintech / service-revenue background: fintech or equivalent service experience is a must; AI: strong appetite for what AI can bring to analysis and operations is a must; Total English fluency

Nice to have

Card ecosystem experience (issuing, processing, card schemes or programme management, including interchange and programme economics); Consumer/B2C background; Interest in stablecoins and crypto; Familiarity with MiCA and European payments regulation; Sales / business development experience

Benefits

Flexible work options: hybrid policy allowing up to 3 days of work from home per week; Health and Life Insurance; Financial growth opportunities: employees can become shareholders in Ledger and receive other financial benefits depending on country of work; Commuter allowance; Learning and development: personalised training solutions