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.

Responsibilities:

• 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.