Cards Product Management

Job Title: Cards Product Management

Employment type: Contract (On-site)

Contract length: 6 - 12 months

Location: Riyadh, KSA

PURPOSE OF THE PROJECT

The position holder will lead the end-to-end product lifecycle for Cards portfolio, from market and customer insight, product design, and development through to launch, adoption, portfolio optimisation, and ongoing performance management. Translate evolving customer, issuer and market needs into compelling, scalable card propositions that deliver differentiated value and support growth objectives. Partner closely with sales, client relationship, technology, operations, risk, compliance, marketing, and other cross-functional teams to ensure successful product execution, strong customer engagement, and effective portfolio management. Use market intelligence, customer feedback and portfolio performance data to identify opportunities, enhance product propositions, drive usage, and manage profitability, ensuring the portfolio remains competitive, relevant, and aligned with strategic priorities.

Core Responsibilities and Accountabilities:

• Define and evolve premium card propositions, including product features, benefits, pricing and customer value propositions, aligned to market opportunities, customer needs, and strategic objectives.
• Manage the full product lifecycle from concept, design and development through launch, ongoing enhancements, customer engagement, and portfolio optimisation, ensuring products remain competitive and relevant.
• Monitor and analyse key portfolio metrics including acquisition, activation, usage, spend, attrition, revenue, and profitability, identifying opportunities to improve performance and maximise commercial value.
• Lead collaboration with card schemes, processors, vendors and internal teams across technology, operations, risk, compliance, finance, and marketing to ensure effective product delivery, implementation, and ongoing management.
• Ensure products and lifecycle changes meet internal governance standards, regulatory requirements, and market expectations, while effectively managing product risks and supporting compliant, operationally sound delivery.

Knowledge and Experience:

• 5-7 years of product management experience within a large, mature, or well-established card issuing business, preferably in a bank, fintech, payment network, or financial institution.
• Managing premium card products.
• Developing product propositions, pricing, features, benefits, and customer value propositions.
• Working with card schemes, processors, vendors, and internal delivery teams.
• Monitoring product performance, portfolio growth, activation, usage, attrition, and revenue.
• Supporting product launches, enhancements, campaigns, and customer communications.
• Collaborating with technology, operations, compliance, risk, finance, and marketing teams.
• Ensuring products comply with internal governance, regulatory requirements, and market standards.

Mandatory Skills:

• Bachelor's degree in Finance, Economics, Business Administration, or a related field (Master's preferred).
• Previous experience within Banking, Digital Payment & Card solutions, or the FinTech industry.
• Regional experience, including working in a faced-paced matrix organisation.
• Excellent communication skills in English (written, verbal, and presentation); Arabic preferred.

Preferred Skills:

• Private banking, wealth management, affluent banking, or premium card products.
• High-value customer propositions, lifestyle benefits, loyalty features, concierge services, or exclusive partnerships.
• The ability to analyse data, troubleshoot payment issues, optimize processes, and make data-driven decisions.
• Good understanding of payment systems, digital platforms, system workflows, security basics, and industry technologies.
• An understanding of regional regulations across financial services or payment networks.