Commercial Card Product Lead

Job Title: Commercial Card Product Lead

Term: 12 months

Location: Dubai

Division: Payments

Reports to: Head of Commercial Cards

Relevant experience:

1. GCC experience in a large bank handling Corporate Payment Solutions
2. Bachelors degree (business finance engineering or related field preferred).
3. 7 years of experience in commercial/corporate card products corporate payments or adjacent transaction banking roles.
4. Comfortable operating in complex matrix environments and driving delivery across business operations technology and external partners.
5. Arabic language capability is a plus.
6. Regional experience across GCC/MEA in Commercial Cards and Corporate
   Payments within a large bank.

Mandatory requirements:

1. Deep familiarity with Mastercard Commercial Card products and capabilities (e.g. virtual card solutions controls data/SmartData and commercial payment enablement).
2. Strong analytical skillset to assess existing product/process set up identify gaps and opportunities and translate them into clear prioritized optimization requests.
3. Proven ability to manage senior stakeholders and cross-functional delivery (Product Tech Ops Risk Compliance Finance and external partners) through to launch and adoption.
4. Excellent written and verbal communication in English; able to produce executiveready materials (product papers business cases and performance updates)

PURPOSE OF JOB
To support running and accelerating clients Commercial Cards business across the region by owning product strategy and execution for Mastercard-based commercial card solutions (T&E purchasing virtual cards and value-added services). The role requires deep fluency in Mastercard Commercial products and the ability to assess the current set-up end-to-end and translate findings into a prioritized optimization roadmap.
The role blends product leadership and commercial management: driving new product rollouts leading regional governance with senior stakeholders (Product Sales Risk Ops Finance Technology and Mastercard) and contributing to portfolio performance management including P&L revenue levers and investment prioritization.

TASKS
Product Management:

• Lead end-to-end Commercial Card product lifecycle for client (requirements design delivery testing launch readiness and post-launch performance management) in partnership with Mastercard and internal stakeholders.
• Analyze the current commercial card set-up (products processes pricing controls servicing reporting technology and partner integrations) and raise clear optimization requests with quantified impact and delivery approach.
• Own regional governance to align Product Sales Technology Operations Risk Compliance and Finance; manage dependencies and ensure solutions are compliant scalable and commercially viable.
• Develop business cases and product papers (including P&L impact revenue levers cost/benefit and risk considerations) to secure approvals and drive prioritization of the product roadmap.
  
  

Business Development:

• Drive portfolio growth across the region (GDV active usage new-to-bank acquisition and revenue) working with Coverage/Sales teams and key client segments.
• Lead commercialization of new and enhanced commercial card propositions (e.g. virtual cards controls data/insights ERP/expense integrations) from concept to launch including go-to-market and sales enablement.
• Lead senior stakeholder discussions and executive business reviews (client leadership Mastercard and priority clients) to align on strategy roadmap and performance outcomes.
• Support complex opportunities with solution design commercial structuring and proposal development (including pricing value articulation and implementation approach) for large corporate and institutional clients.
• Own performance cadence for the portfolio (KPIs pipeline and economics) and contribute to P&L
  discussions by identifying actions to improve revenue yield and cost-to-serve

Why Join:

• Own and shape the regional roadmap for Commercial Cards within one of the worlds leading international banks.
• Partner closely with Mastercard and clients senior leadership to deliver new product rollouts and measurable portfolio growth.
• Drive optimization and performance improvements contributing directly to portfolio economics and P&L outcomes.