Cards Product Manager
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ملخص الوظيفة
Job Title: Cards Product Manager (Commercial Cards)
Term: 12 months
Location: Dubai
Division: E & Money
Reports to: Head of Cards (Product)
Relevant experience: 810 years in product management across cards / prepaid / digital payments with at least 5 years focused on SME or Business Banking portfolios in the UAE/GCC.
Mandatory requirements:
- Proven experience in card issuing and payment processing with endto-end experience on product portfolio launch (prepaid or debit).
- UAE market experience in Small-toMedium Enterprise / Commercial Card segments.
- Experience coordinating with technology operations credit risk and finance teams on card product launches.
- Immediately available
- Professional proficiency in English; Arabic preferred
PURPOSE OF THE PROJECT
To design build launch and scale clients SME prepaid proposition for micro and small business customers in the UAE managing the endtoend product lifecycle from initial CVP definition and BIN setup through golive commercialization and ongoing portfolio optimization in close collaboration with clients internal teams.
Key Activities
Core Responsibilities and Accountabilities
EndtoEnd Product Ownership SME Prepaid
- Own the endtoend lifecycle of clients 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 / Processor Coordination
- Coordinate across clients 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 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 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 / signup
- Average load and spend per active prepaid account
- Portfolio revenue growth % (interchange fees FX etc.)
- Timetomarket 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
Knowledge and Experience
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.
- 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 change
Nice to Have
- Experience with microlending / microbusiness propositions or BNPL-style SME solutions.
- Familiarity with card platforms (e.g. TSYS Prime or similar) and digital onboarding tools.
- Exposure to scheme tools and mandates
- Arabic language skills
Mandatory Skills**
- Product strategy & roadmap development for cards / prepaid.
- Campaign design and execution (digital direct partner-based) for SME acquisition and usage.
- Portfolio analytics ability to interpret performance data and translate into actions.
- Pricing and rewards optimization within agreed P&L and risk constraints.
- Stakeholder and partner management including schemes processors and fintech partners.
- Project management and ability to drive crossfunctional delivery to deadlines.
- Excellent communication presentation and training skills.
