Cards Product Manager (Commercial Cards)
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Key skills for this role
About the Role
Manage end-to-end lifecycle of SME prepaid cards, coordinate with teams, drive customer acquisition, and optimize product features and profitability.
Key Skills for This Role
Full Job Posting
End To End Product Ownership Sme Prepaid
- Own the end to end lifecycle of client's SME prepaid card / wallet proposition from CVP design, BIN set up, scheme onboarding, configuration and testing through launch, commercialization and post launch optimization.
- Translate the agreed CVP into clear business requirements, product features, pricing, and servicing models tailored to micro and small business needs.
Launch Execution & Scheme And Processor Coordination
- Coordinate across client's technology, operations, risk, finance and marketing teams, as well as Mastercard / Advisors, processors and any fintech partners, to ensure all launch dependencies (BINs, card profiles, limits, KYC/AML flows, settlement, fees) are delivered on time and to specification.
- Ensure alignment with scheme pricing, mandates and regulations, and support internal teams on any required certifications or compliance activities
Customer Acquisition, Onboarding & Activation
- Design and implement SME acquisition strategies for the prepaid proposition across business banking channels (RMs, digital, partners) to drive quality sign ups in the micro and small segments.
- Build onboarding and first 90 days journeys that maximise activation, first load and early usage, reducing drop off and time to-first-transaction.
Portfolio & P&L Management
- Monitor portfolio performance across KPIs such as active rate, average load / spend, revenue per active, ENR, churn, and fraud, and recommend actions to improve profitability and sustainability.
- Work with finance and business teams to review P&L lines for the prepaid issuing business (interchange, fees, funding costs, scheme fees) and ensure financial feasibility of the proposition.
Feature Roadmap & Cvp Optimization
- Continuously enhance the prepaid CVP (features, limits, rewards, digital capabilities) based on customer feedback, competitor benchmarking, and performance analytics.
- Identify opportunities for segment specific propositions (e.g., freelancers, micro retailers, small service businesses) and tailor product variants accordingly
Stakeholder Management & Training
- Act as the primary product contact for Business Banking / SME, coordinating with RMs, sales, service and operations to ensure strong frontline understanding of the product and its value proposition.
- Design and deliver training sessions and toolkits for internal teams and key partners to support effective selling, onboarding and servicing.
Data, Reporting & Governance
- Develop monthly performance dashboards and insight packs for senior stakeholders at client and Mastercard / Advisors, highlighting trends, issues and recommended actions
- Support governance routines (steering committees, working groups) by tracking and reporting on key milestones, risks, and issue resolution.
Kpis
- Number of new SME prepaid customers acquired (monthly / quarterly)
- Activation rate within first 30 days of issuance / sign up
- Average load and spend per active prepaid account
- Portfolio revenue growth % (interchange, fees, FX, etc.)
- Time to market for new features / enhancements
- Campaign ROI and conversion (from targeted segments)
- NPS / customer satisfaction for SME prepaid users (Verification Needed)
- Operational SLA adherence for onboarding and servicing
- Fraud / chargeback rate as a % of transaction
Must Have
- Full lifecycle experience of card / prepaid product management (ideation, design, launch, scaling, optimization).
- Hands-on exposure to SME or Business Banking propositions in the UAE/GCC.<
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