Prepaid Card Product Manager

Onepoint Consultants DWC- LLC; Dubai; On-site; AED 300,000 - 460,000; Full time

Job summary

Onepoint Consultants DWC- LLC in the UAE (Dubai) seeks an experienced Prepaid Card Product Manager to own the end-to-end lifecycle of a new prepaid card and digital wallet proposition. You will drive strategy, regulatory readiness, CVP design, launch execution, and ongoing optimization in a fast-paced fintech environment.

You will collaborate with technology, operations, risk, finance, marketing, and external partners to deliver scalable prepaid solutions across UAE/GCC markets, including card

Qualifications

• 6–8 years of experience in card product management, prepaid payments, digital payments, or fintech.
• Minimum 3 years of experience in card issuing or prepaid product lifecycle management.
• Strong UAE/GCC market experience in prepaid cards, digital payments, or retail banking.
• Proven experience managing end-to-end prepaid card launches from CVP design through go-live.
• Strong understanding of bank card issuing processes and compliance requirements.
• Professional proficiency in English.

Responsibilities

• Own the complete prepaid card product lifecycle from concept to commercialization.
• Drive launch activities including regulatory submissions, BIN setup, scheme onboarding, and go-live readiness.
• Coordinate with internal teams and external partners to ensure timely delivery of dependencies.
• Define and enhance the CVP including features, pricing, rewards, and wallet integrations.
• Develop product strategies aligned with customer needs and business objectives.
• Identify opportunities for customer segmentation and segment-specific propositions.
• Benchmark competitors and analyze market trends to improve offerings.
• Manage P&L including interchange revenue and scheme-related expenses.
• Use analytics to recommend profitability and engagement initiatives.
• Integrate prepaid cards with digital wallets like Apple Pay, Google Pay, and Samsung Pay.

Skills

Card product management

Prepaid payments

Digital payments

Fintech

Stakeholder management

English proficiency

Job description

We are looking for an experienced Prepaid Card Product Manager to lead the end‑to‑end product lifecycle of a new prepaid card and digital wallet proposition. The role will be responsible for product strategy, regulatory readiness, customer value proposition (CVP) design, launch execution, portfolio management, and continuous optimization. The ideal candidate should have strong experience in prepaid card product management, digital payments, card issuing processes, and UAE/GCC banking or fintech environments. This role requires close collaboration with technology, operations, risk, finance, marketing teams, card schemes, and external partners to successfully deliver and scale the prepaid card proposition.

Responsibilities

• Own the complete prepaid card product lifecycle from concept development to commercialization.
• Drive launch activities including regulatory submissions, BIN setup, scheme onboarding, card configuration, KYC/AML workflow design, limit management, testing, UAT, pilot launch, and go‑live readiness.
• Coordinate with internal teams and external partners to ensure timely delivery of all product dependencies.
• Define and enhance the prepaid card customer value proposition (CVP) including features, pricing, rewards, and digital wallet integrations.
• Develop product strategies aligned with customer needs and business objectives.
• Identify opportunities for customer segmentation and segment‑specific propositions such as youth/student, institutional, or education‑linked prepaid solutions.
• Benchmark competitors and analyze market trends to continuously improve product offerings.
• Manage prepaid card portfolio performance through key metrics including card issuance and activation rates, average load and spend per active account, revenue growth, customer retention and churn, and fraud performance.
• Own prepaid card P&L management including interchange revenue, fees, funding costs, and scheme‑related expenses.
• Use analytics and insights to recommend initiatives for improving profitability and customer engagement.
• Manage integration of prepaid cards with digital wallets such as Apple Pay, Google Pay, and Samsung Pay.
• Ensure seamless integration with existing payment ecosystems and digital platforms.
• Work closely with technology teams on product requirements, enhancements, and issue resolution.
• Act as the primary product owner and business representative across technology, operations, risk, compliance, finance, marketing, and external partners.
• Coordinate with bank scheme partners on pricing, certifications, mandates, and compliance requirements.
• Prepare management dashboards, performance reports, and executive updates.
• Support governance forums by tracking milestones, risks, and issue resolution.

Qualifications

• 6–8 years of experience in card product management, prepaid payments, digital payments, or fintech.
• Minimum 3 years of experience in card issuing or prepaid product lifecycle management.
• Strong UAE/GCC market experience in prepaid cards, digital payments, or retail banking.
• Proven experience managing end‑to‑end prepaid card launches from CVP design through go‑live.
• Strong understanding of bank card issuing processes and compliance requirements.
• Professional proficiency in English.