Associate Technical Product Manager - Cards (Issuing/Acquiring)

CodeNinja; Saudi Arabia; On-site; SAR 300,000 - 520,000; Full time

Benefits offered by this job

Medical insurance

Annual leave

Air ticket allowance

Visa sponsorship and relocation

Job summary

CodeNinja in Riyadh is seeking a Technical Product Manager – Cards (Issuing/Acquiring) to lead card products across issuing and acquiring, with deep hands-on expertise in payments, schemes, and card technology.

You will coordinate certifications with Visa, Mastercard, CUP, JCB, AmEx, and Diners, drive wallet integrations, optimize processing flows, and collaborate with engineering, processors, and vendors to deliver value.

Qualifications

• 2–4 years hands-on experience in card products, payments, issuing or acquiring.
• Strong practical knowledge of card issuing and acquiring.
• Hands-on experience with one or more major payment schemes, with exposure to Visa, Mastercard, CUP, JCB, AmEx, Diners Club; scheme certification & integrations.
• Strong experience with Apple Pay and Samsung Pay integrations.
• Good understanding of card authorization, clearing & settlement, reconciliation, card processing, POS & merchant acquiring, payment gateways, card processors, and payment APIs.
• Experience working with technical and engineering teams on payment integrations and product delivery.
• Demonstrated ability to analyze card portfolio performance and identify revenue growth opportunities.
• Strong understanding of payment-related regulatory and compliance requirements.
• Excellent stakeholder management and communication skills.
• Strong analytical, problem-solving, and product management capabilities.

Responsibilities

• Own and drive card product initiatives across issuing and acquiring, from requirements and design through implementation and optimization.
• Manage integrations and certification activities with major payment schemes, including Visa, Mastercard, CUP, JCB, American Express, and Diners Club.
• Coordinate scheme certification, testing, implementation, and compliance activities.
• Drive integrations with digital wallets including Apple Pay and Samsung Pay.
• Manage and optimize card payment journeys across authorization, clearing, settlement, and reconciliation.
• Work closely with technology, engineering, payment processors, schemes, vendors, and business stakeholders to deliver card products and enhancements.
• Define product requirements, business rules, functional specifications, APIs, integrations, and technical dependencies.
• Work with acquiring and issuing platforms, processors, payment gateways, POS systems, and related payment infrastructure.
• Analyze card portfolio performance and identify opportunities to improve profitability, revenue, customer adoption, and operational efficiency.
• Develop and implement strategies to transform underperforming or loss-making card portfolios into profitable businesses.
• Identify new revenue streams and opportunities across card products, acquiring services, merchant services, fees, and value-added propositions.
• Optimize card processing and operational costs while maintaining service quality and regulatory compliance.
• Develop innovative card propositions based on customer needs, market trends, competitive analysis, and payment industry developments.
• Monitor product KPIs, transaction performance, authorization rates, revenue, costs, profitability, and customer adoption.
• Ensure products comply with applicable payment scheme rules, banking regulations, security requirements, and local regulatory standards.
• Support product roadmap development and prioritize initiatives based on business value, customer impact, technical feasibility, and regulatory requirements.

Skills

Card issuing & acquiring

Payments domain

Scheme integrations

Apple Pay / Samsung Pay

Regulatory compliance

Stakeholder management

Product management

Technical communication

Analytics

Agile experience

Job description

About the Role We are looking for a Technical Product Manager – Cards (Issuing/Acquiring) to join our team in Riyadh. The ideal candidate will have strong hands-on expertise across card issuing and acquiring, payment schemes, card technology, payment processing, and digital wallets. The role requires a combination of technical product management, payments domain knowledge, and commercial acumen. The successful candidate should have experience working with major international payment schemes, card processors, payment integrations, and regulatory requirements, with a strong understanding of the complete card lifecycle.

Key Responsibilities

• Own and drive card product initiatives across issuing and acquiring, from requirements and design through implementation and optimization.
• Manage integrations and certification activities with major payment schemes, including Visa, Mastercard, CUP, JCB, American Express, and Diners Club.
• Coordinate scheme certification, testing, implementation, and compliance activities.
• Drive integrations with digital wallets including Apple Pay and Samsung Pay.
• Manage and optimize card payment journeys across authorization, clearing, settlement, and reconciliation.
• Work closely with technology, engineering, payment processors, schemes, vendors, and business stakeholders to deliver card products and enhancements.
• Define product requirements, business rules, functional specifications, APIs, integrations, and technical dependencies.
• Work with acquiring and issuing platforms, processors, payment gateways, POS systems, and related payment infrastructure.
• Analyze card portfolio performance and identify opportunities to improve profitability, revenue, customer adoption, and operational efficiency.
• Develop and implement strategies to transform underperforming or loss-making card portfolios into profitable businesses.
• Identify new revenue streams and opportunities across card products, acquiring services, merchant services, fees, and value-added propositions.
• Optimize card processing and operational costs while maintaining service quality and regulatory compliance.
• Develop innovative card propositions based on customer needs, market trends, competitive analysis, and payment industry developments.
• Monitor product KPIs, transaction performance, authorization rates, revenue, costs, profitability, and customer adoption.
• Ensure products comply with applicable payment scheme rules, banking regulations, security requirements, and local regulatory standards.
• Support product roadmap development and prioritize initiatives based on business value, customer impact, technical feasibility, and regulatory requirements.

Competitive compensation package based on experience and qualifications.

Benefits

• Medical insurance coverage.
• Annual leave in accordance with Saudi labor regulations.
• Annual air ticket allowance.
• Visa sponsorship and relocation support, where applicable.

Opportunity to work on large-scale enterprise technology and payment initiatives impacting critical business operations. Collaborate with high-performing cross-functional teams and industry experts. Exposure to modern payment and technology environments, including enterprise-grade platforms, APIs, cloud, and hybrid architectures. Work within a fast-paced, innovation-driven organization focused on delivering high-impact technology solutions. Opportunity to contribute to strategic technology transformation programs in the region. Professional growth and exposure to leading payment technologies, schemes, and FinTech solutions.

Disclaimer We are an equal opportunity employer and value diversity in our workforce. All qualified applicants will receive consideration for employment without regard to race, gender, nationality, religion, age, disability, or any other legally protected status. We are committed to fostering an inclusive and respectful workplace where all individuals have equal opportunities to grow and succeed.

Required Qualifications & Experience

• 2-4 years of hands-on experience in card products, payments, issuing, acquiring, or payment technology.
• Strong practical knowledge of card issuing and acquiring.
• Hands-on experience with one or more major payment schemes, with exposure to: Visa, Mastercard, China UnionPay (CUP), JCB, American Express, Diners Club. Experience with scheme certification and payment scheme integrations.
• Strong experience with Apple Pay and Samsung Pay integrations.
• Good understanding of: Card authorization, Clearing and settlement, Reconciliation, Card processing, POS and merchant acquiring, Payment gateways, Card processors, Payment APIs and integrations. Strong understanding of payment architecture and card technology.
• Experience working with technical and engineering teams on payment integrations and product delivery.
• Demonstrated ability to analyze card portfolio performance and identify opportunities for revenue growth, cost optimization, and profitability improvement.
• Strong understanding of payment-related regulatory and compliance requirements.
• Excellent stakeholder management and communication skills.
• Strong analytical, problem-solving, and product management capabilities.

Preferred Qualifications

• Experience within banks, FinTechs, payment service providers, card issuers, acquirers, or payment processors.
• Experience with card processing platforms and payment switches.
• Knowledge of EMV, 3DS, tokenization, PCI DSS, and digital payment technologies.
• Experience launching new card products or innovative payment propositions.
• Experience working in an Agile product development environment.
• Previous experience in the Saudi/KSA banking or payments market is a strong advantage.