Senior Card Product Management Specialist

Term: 12 months (Renewable)

• Product Strategy & Portfolio Management

• Lead the cards strategy and launch new products credit, debit and prepaid products to expand the overall offering
• Manage the end-to-end product lifecycle including proposition design, features, benefits, and pricing.
• Enhance portfolio performance metrics (activation, spend per card, attrition, profitability) through targeted actions.
• Optimize P&L management by balancing interchange, rewards, fees, and cost structures.
• Design loyalty and rewards programs that drive daily spend and customer stickiness.
• Support sales/business development teams with training, tools, and product knowledge to drive acquisition and usage.
• Recommend promotional campaigns and tactical plans to boost card performance
• Supports monitoring of product performance, post roll-out and helps resolve product or sales issues to ensure continuous product improvement.
• Support in delivery of large programs for clients from initiation to benefit realization
• Successful execution of projects across different clients / businesses, identifying and mitigating risks, solving issues, developing plans and ensuring they are implemented in line with agreed timescales, budgets and quality criteria, including examples of re-aligning scope and objectives during a program to ensure maximum value extraction

• Digital & Customer Experience

• Champion digital-first journeys for acquisition, servicing, rewards, and customer engagement.
• Enhance mobile and online servicing capabilities for seamless card management.
• Drive fintech, wallet, and lifestyle integrations to increase relevance and usage in the Saudi market.
• Use data and analytics to personalize offers, campaigns, and customer experiences

• Project & Change Management

• Lead large-scale, cross-functional projects and system migrations with structured governance.
• Oversee timely execution of new product launches, feature upgrades, and process improvements.
• Ensure alignment with SAMA regulations while delivering speed-to-market innovations.
• Introduce operational efficiencies to reduce turnaround times for onboarding and servicing.

• Partnerships & Business Development

• Manage relationships with schemes and negotiate portfolio-enhancing partnerships.
• Develop merchant, fintech, and ecosystem partnerships to boost usage and add customer value.
• Build a network of strategic alliances to deliver differentiated offers and exclusive privileges.

• Leadership & Capability Building

• Support the Head of Cards and taking charge when required.
• Build internal cards expertise by mentoring and training team members.
• Foster a performance-driven culture with KPIs across acquisition, spend, and retention.
• **Requirements (please do not apply** **if you don’t meet the requirements below):**
• Minimum 12–15 years in cards/retail banking, with ideally 5 years in leadership roles.
• Strong expertise in credit card product management and portfolio growth delivery.
• Proven background in digital banking, cards and project management.
• Knowledge of the Saudi banking market, SAMA regulations, and payment trends.
• Fluent in English (spoken and written)
• Bachelor’s degree required
• What we offer:
• Competitive Salary and Benefits
• Opportunity to be part of a fast-paced and growing startup. Grow your career with the company.
• Ownership – You will own your initiative and be given specific responsibilities.
• You will have the opportunity to interact and work closely with other senior data scientists and AI experts across the globe.
• Dynamic and respectful work environment
• Pay: ﷼46,000.00 - ﷼50,000.00 per month

Application Question(S)

• How many years of experience do you have in cards product management (credit, debit, prepaid)?
• How many years have you worked in a leadership role managing cards or retail banking products?
• Have you worked in the Saudi banking market or GCC banking sector?
• Have you launched or managed end-to-end card products (credit/debit/prepaid)?
• Have you been responsible for portfolio performance and P&L management?
• Have you designed or managed loyalty or rewards programs for card customers?

Experience

• cards or retail banking: 10 years (Required)
• leadership roles in card/product management: 5 years (Required)
• credit card portfolio P&L and growth strategy: 10 years (Required)
• Saudi banking market or SAMA regulations: 7 years (Required)
• cards product management (credit, debit, prepaid): 7 years (Required)