Senior Card Product Management Specialist
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Key skills for this role
About the Role
**Senior Card Product Management Specialist** * Experience of product launches, CVP development, SAMA regulations knowledge * Knowledge of cards (Debit, Credit and Prepaid) profitability and key metrics * Campaign execution, customer segmentation, and performance analytics **Knowledge \& Experience** * Minimum 12–15 years in cards/retail banking, with ideally 5 years in leadership roles. * Strong expertise in credit card product management and portfolio growt
Key Skills for This Role
Full Job Posting
Senior Card Product Management Specialist
- Experience of product launches, CVP development, SAMA regulations knowledge
- Knowledge of cards (Debit, Credit and Prepaid) profitability and key metrics
- Campaign execution, customer segmentation, and performance analytics
Knowledge & Experience
- 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) – Arabic preferred but not required
- Bachelor’s degree required
- The resource will support in defining and executing the bank’s cards strategy across the current prepaid portfolios and support in the launch of new debit and credit card products, with a clear mandate to grow spend, activation, engagement, and profitability.
- The role combines portfolio ownership, product lifecycle leadership, and execution oversight, acting as the
- day-to-day driver of performance across premium and mass segments while ensuring regulatory compliance (SAMA) and alignment with company’s scheme partner
- 1.
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
- 2.
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
- 3.
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.
- 4.
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.
- 5.
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.
- can email aarushi@gravityer.com
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