naukri
Commercial Cards Product Manager
Coefftalent
Dubai, UAE
Contract
Senior
3 months ago
Product StrategyRoadmap PlanningMarket ResearchUser Story MappingAgile MethodologiesJira
Free
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Product StrategyRoadmap PlanningMarket Research
About the Role
Manage end-to-end lifecycle of SME prepaid card, coordinate launch execution, optimize portfolio performance, and implement customer acquisition strategies.
Key Skills for This Role
Product StrategyRoadmap PlanningMarket ResearchUser Story MappingAgile MethodologiesJira
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 setup, scheme onboarding, configuration and testing through launch, commercialization and postlaunch 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 Scheme / 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 signups in the micro and small segments.
- Build onboarding and first90days journeys that maximise activation, first load and early usage, reducing dropoff and timeto-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 segmentspecific 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 Scheme / 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.
- Knowledge and Experience
- 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.
- Understanding of card issuing, settlement, scheme pricing (interchange, fees) and operational processes.
- Experience in onboarding, activation and spend-stimulation strategies for card or prepaid portfolios.
- Strong analytical and reporting skills (Excel, dashboards; SQL or similar is a plus).
- Proven track record of working with technology, operations, risk, finance and marketing to deliver product changes.
- Experience with microlending / microbusiness propositions or BNPL-style S
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