Senior Cards Product Manager Product Head

PayTech Nexus Ltd; Dubai; On-site; AED 600,000 - 1,000,000; Full time

Job summary

PayTech Nexus Ltd in Dubai seeks a Senior Cards Product Manager/ Cards Product Head to lead end-to-end development, launch, and commercialization of three premium HNW credit card propositions (World Elite Legend and Legend Exclusive), ensuring Sharia-compliant structuring and strong GTM execution.

You will own CVP design, GTM plans, campaign management, pricing and profitability targets, and performance dashboards.

Qualifications

• 8 years in credit card product management with HNW or premium segment experience.
• Proven track record in CVP design GTM execution and campaign management.
• Strong understanding of Islamic finance principles.
• Expertise in credit card benefits (e.g. travel perks concierge insurance rewards).
• Project management and stakeholder coordination skills.
• Data-driven decision-making and campaign analytics.

Responsibilities

• Design differentiated CVPs for World Elite Legend and Legend Exclusive cards.
• Benchmark against regional and global HNW card offerings.
• Ensure Sharia-compliant structuring (e.g. Murabaha Wakalah).
• Develop and execute GTM plans including launch timelines and channel strategy.
• Coordinate with Marketing, Compliance, Operations, Legal, Technology for seamless execution.
• Launch the three products into the market and monitor performance.
• Define pricing, revenue models and profitability targets for each proposition.
• Monitor KPIs and optimize campaigns across CRM, digital and mobile channels.
• Conduct market scans and competitor analysis to inform features.
• Align product features with Islamic banking regulations and risk frameworks.

Skills

HNW/premium segment expertise

CVP design

GTM strategy

Campaign management

Islamic finance principles

Stakeholder coordination

Data-driven decision making

Education

Bachelor’s degree in business/Marketing/Finance

MBA or professional qualification

Job description

Job Title: Senior Cards Product Manager/ Cards Product Head

Term: 12 months

Location: Dubai

Division: Retail Banking/ Cards and Payments

Reports to: Head of Payments with dotted line to Advisors Program Lead

Relevant experience:

• 12 years credit card product management with HNW or premium segments experience
• UAE/ GCC market experience preferred

Mandatory requirements:

• Credit card product management with HNW or premium segment experience (GCC or UAE)

PURPOSE OF THE PROJECT

To lead the end-to-end development launch and commercialization of three premium HNW credit card propositions- World Elite Legend and Legend Exclusive-tailored to affluent customer segments. The role will drive proposition design go-to-market (GTM) strategy commercial performance and campaign execution ensuring alignment with Islamic banking principles and market-leading standards.

Key Activities

Core Responsibilities and Accountabilities

Customer Value Proposition (CVP) Development

• Design differentiated CVPs for World Elite Legend and Legend Exclusive cards incorporating lifestyle travel and financial benefits.
• Benchmark against regional and global HNW card offerings (e.g. Emirates NBD Voyager World Elite Mawarid World Elite).
• Ensure Sharia-compliant structuring (e.g. Murabaha Wakalah).

Go-To-Market (GTM) Strategy

• Develop and execute GTM plans including launch timelines channel strategy and stakeholder alignment. Coordinate with internal teams (Marketing Compliance Operations Legal Technology) for seamless execution.

Launch

• Execute the launch of the three products into the market

Commercialization

• Define pricing revenue models and profitability targets for each proposition.
• Monitor and optimize product performance through dashboards and KPIs (activation spend ENR retention).

Campaign Management

• Lead end-to-end campaign execution: concept design launch fulfillment and post-campaign analysis.
• Design offers (cashback rewards travel perks) and manage vendor relationships for fulfillment.
• Implement personalization strategies across CRM digital and mobile channels.

Market Research & Competitive Analysis

• Conduct market scans to identify gaps and opportunities in the HNW segment.
• Analyze competitor offerings and customer preferences to inform product features.

Risk & Compliance

• Align product features with Islamic banking regulations and internal risk frameworks.
• Collaborate with Compliance and Legal teams to ensure regulatory adherence.

KPIs

• Time to Market/Revenue for all three products / Duration from CVP finalization to market launch for each HNW card product.
• Card Activation Rate: Percentage of issued HNW cards activated within the first 30 days of issuance.
• Spend per Active Card: Average monthly spend per active HNW cardholder segmented by product (World Elite Legend Legend Exclusive)
• Campaign ROI: Return on investment for acquisition usage and engagement campaigns across HNW card products.
• ENR (Ending Net Receivables) Growth: Growth in ENR per HNW card product indicating portfolio health and usage.
• Customer Engagement Metrics: Includes open/click rates spend lift and frequency of usage across channels (mobile CRM POS).

Knowledge and Experience

Must-Have:

• 8 years in credit card product management with HNW or premium segment experience.
• Proven track record in CVP design GTM execution and campaign management.
• Strong understanding of Islamic finance principles.
• Expertise in credit card benefits (e.g. travel perks concierge insurance rewards).
• Project management and stakeholder coordination skills.
• Data-driven decision-making and campaign analytics.

Nice-to-Have:

• Experience with Mastercard World Elite or similar premium card programs.
• Familiarity with UAE/GCC banking regulations and affluent customer behaviour.
• Experience in personalization and first-party data strategies.

Education

• Bachelors degree in business Marketing Finance or related field.
• MBA or relevant professional qualification preferred.

Languages

• English (fluent)
• Arabic (preferred)