Card Consulting Program Lead

PayTech Nexus Ltd; Riyadh; On-site; SAR 600,000 - 1,200,000; Full time

Job summary

PayTech Nexus Ltd in Riyadh, KSA, seeks a senior Cards Consulting Program Lead to oversee end-to-end delivery of a large cards transformation program, including CVM, analytics, governance, controls, product launch, digital enablement and portfolio optimization.

The role demands 15–20+ years of experience in consulting and program leadership, ability to engage C-level stakeholders, and a track record of delivering measurable commercial, operational, customer and risk outcomes.

Qualifications

• Senior consulting and program leadership experience with problem structuring and governance.
• Knowledge of cards, CVM, product launches, digital banking and SAMA regulations.
• English and Arabic proficiency is mandatory.
• Bachelor's degree required; Master's degree and PMP/PRINCE2/Agile/Scrum preferred.

Responsibilities

• Lead end-to-end delivery of a complex cards program across multiple workstreams with aligned objectives, timelines, budget, and benefits.
• Establish governance routines including steering committees, RAID, escalation and executive reporting.
• Translate strategic priorities into an integrated roadmap with milestones, owners and deliverables.
• Support cards strategy across consumer, corporate and SME segments with CVM and performance focus.
• Oversee product launches, CVP enhancements, pricing changes and portfolio interventions.
• Lead cross-functional teams, manage change, and provide executive updates and recommendations.

Skills

Senior consulting

Program leadership

Problem structuring

C-level stakeholder management

Governance

Analytics-driven decision making

Cross-functional leadership

Execution oversight

Education

Bachelor's degree

Master's degree

PMP/PRINCE2/Agile/Scrum

Job description

Job Title: Card Consulting Program Lead

Term: 12 months

Location: Riyadh, KSA

Relevant experience:

• 15+years'experienceinconsulting,programmanagement,payments/cards orfinancial servicestransformation.
• Proven delivery of complexmulti-workstreamprograms from strategythrough execution andbenefit realization.

Mandatory requirements:

• Senior consulting and programleadership experience, including problem
  structuring, C-level stakeholdermanagement, governance,risk/dependency management,analytics-led decision-making andexecution oversight.
• Knowledge in cards, CVM, productlaunch, digital banking, and SAMAregulations.
• English and Arabic proficiency ismandatory.

Purpose of Job:

The Cards Consulting Program Lead will oversee the end-to-end delivery of a large cards' transformation program,covering consumer and corporate cards, CVM, analytics, governance, controls, product launch, digital enablement and
portfolio optimization. The role requires a senior strategic advisor and hands on program lead who can managecross-functional teams, engage C-level stakeholders and ensure delivery of measurable commercial, operational,customer and risk-management outcomes.

TASKS Core Responsibilities and Accountabilities 1. Program Leadership and Governance

• Lead end-to-end delivery of a complex cards consulting program across multiple workstreams, ensuringalignment to objectives, timelines, budget, quality criteria and benefit realization.
• Establish governance routines including steering committees, working groups, RAID management, escalation,dependency tracking and executive reporting.
• Translate strategic priorities into an integrated roadmap with clear milestones, owners and deliverables,while resolving risks, issues and scope changes to maintain execution momentum.

2. Cards Strategy and Portfolio Management

• Support execution of cards strategy across consumer, corporate and SME segments, with focus on spendgrowth, activation, retention, engagement, profitability and CVM.
• Monitor portfolio performance across acquisition quality, activation, spend, attrition, profitability, creditperformance, digital adoption and campaign ROI.
• Ensure recommendations balance customer value, commercial economics, operational feasibility, and riskwhile adhering to regulatory requirements.

3. Product, Digital and Customer Value Delivery

• Oversee product launches, CVP enhancements, feature upgrades, pricing changes, loyalty/rewardsimprovements, campaign execution and portfolio interventions.
• Design and improve customer and operational journeys across onboarding, servicing, disputes, controls,campaign execution, portfolio monitoring and post-launch management.
• Drive digital enablement and customer engagement initiatives that improve usage, experience, adoption andperformance.

4. Consulting, Analytics and Business Case Development

• Structure business problems into clear workplans, hypotheses, analytical requirements and decision-readyoutputs for senior leadership.
• Lead market research, benchmarking, customer needs assessment, business cases, revenue projections andcost-benefit analysis.
• Identify portfolio opportunities, product gaps, customer segments, operational bottlenecks and performancelevers, translating insights into executable plans

5. Cross-Functional Execution and Change Management

• Lead cross-functional teams internally within the client alongside external stakeholders to provide business?focused solutions and recommendations that drive client value.
• Manage change impacts across people, process, technology, controls and governance, ensuring readinessbefore launch and adoption after implementation.
• Support capability building through playbooks, operating routines, training, knowledge transfer andperformance management disciplines.

6. Risk, Controls and Stakeholder Management

• Identify delivery, operational, compliance, financial, technology and customer risks early and maintaineffective mitigation actions.
• Ensure deliverables align with business, technical, control and SAMA regulations.
• Oversee testing, readiness assessments, go-live planning, issue resolution, stabilization and post-launchperformance improvement.
• Act as a trusted advisor to senior client and Mastercard stakeholders through clear executive updates,steering materials, recommendations, trade-offs and decision support.

Knowledge and Experience

• 15–20+ years' relevant experience combining consulting, payments/cards, financial services transformation andsenior program delivery.

• Proven ability to lead complex, multi-stakeholder programs from strategy through governance, execution, launchand benefit realization.
• Strong cards expertise across consumer, corporate and SME segments, including portfolio management, CVM,product launch, loyalty, digital servicing, analytics and performance optimization.
• Excellent consulting, analytical and communication skills, including problem structuring, business casedevelopment and C-level stakeholder engagement.
• Demonstrated experience managing cross-functional delivery, risks, dependencies, controls and change acrossbusiness, technology, operations, risk, compliance and analytics teams.
• Knowledge of SAMA regulations and regional payments trends.
• Bachelor's degree required; Master's degree and PMP, PRINCE2, Agile, Scrum or equivalent certification arepreferred.
• Arabic and English proficiency is mandatory.