Cards Product Management

PayTech Group; Riyadh; On-site; SAR 180,000 - 300,000; Full time

Job summary

PayTech Group in Saudi Arabia is seeking a Product Manager to lead end-to-end lifecycle for Cards portfolio, from market insights to launch and ongoing optimization. You will translate market needs into compelling card propositions and collaborate with sales, technology, operations, risk, compliance, marketing and other teams.

The role requires 5-7 years in card product management, experience with premium card products, and strong English communication; Arabic is preferred.

Qualifications

• Bachelor's degree in Finance, Economics, Business Administration or related field; Master’s preferred.
• Experience in Banking, Digital Payment & Card solutions, or FinTech.
• Regional experience in a fast-paced matrix organisation.

Responsibilities

• Define and evolve premium card propositions including features, benefits, pricing and customer value propositions.
• Manage full product lifecycle from concept through launch, enhancements and portfolio optimisation.
• Monitor portfolio metrics: acquisition, activation, usage, attrition, revenue and profitability.
• Lead collaboration with card schemes, processors, vendors and internal teams to ensure delivery and ongoing management.
• Ensure governance, regulatory compliance and risk management across product changes.

Skills

English communication

Arabic preferred

Regional experience

Cross-functional collaboration

Education

Bachelor's degree in Finance, Economics, or Business Administration

Master’s degree preferred

Job description

PURPOSE OF THE PROJECT The position holder will lead the end-to-end product lifecycle for Cards portfolio from market and customer insight product design and development through to launch adoption portfolio optimisation and ongoing performance management Translate evolving customer issuer and market needs into compelling scalable card propositions that deliver differentiated value and support growth objectives Partner closely with sales client relationship technology operations risk compliance marketing and other cross-functional teams to ensure successful product execution strong customer engagement and effective portfolio management Use market intelligence customer feedback and portfolio performance data to identify opportunities enhance product propositions drive usage and manage profitability ensuring the portfolio remains competitive relevant and aligned with strategic priorities

Core Responsibilities and Accountabilities

• Define and evolve premium card propositions including product features benefits pricing and customer value propositions aligned to market opportunities customer needs and strategic objectives
• Manage the full product lifecycle from concept design and development through launch ongoing enhancements customer engagement and portfolio optimisation ensuring products remain competitive and relevant
• Monitor and analyse key portfolio metrics including acquisition activation usage spend attrition revenue and profitability identifying opportunities to improve performance and maximise commercial value
• Lead collaboration with card schemes processors vendors and internal teams across technology operations risk compliance finance and marketing to ensure effective product delivery implementation and ongoing management
• Ensure products and lifecycle changes meet internal governance standards regulatory requirements and market expectations while effectively managing product risks and supporting compliant operationally sound delivery

Knowledge and Experience:

• 5-7 years of product management experience within a large, mature, or well-established card issuing business, preferably in a bank, fintech, payment network, or financial institution.
• Managing premium card products.
• Developing product propositions, pricing, features, benefits, and customer value propositions.
• Working with card schemes, processors, vendors, and internal delivery teams.
• Monitoring product performance, portfolio growth, activation, usage, attrition, and revenue.
• Supporting product launches, enhancements, campaigns, and customer communications.
• Collaborating with technology, operations, compliance, risk, finance, and marketing teams.
• Ensuring products comply with internal governance, regulatory requirements, and market standards.

Mandatory Skills:

• Bachelor's degree in Finance, Economics, Business Administration, or a related field (Master's preferred).
• Previous experience within Banking, Digital Payment & Card solutions, or the FinTech industry.
• Regional experience, including working in a faced-paced matrix organisation.
• Excellent communication skills in English (written, verbal, and presentation); Arabic preferred.

Preferred Skills:

• Private banking, wealth management, affluent banking, or premium card products.
• High-value customer propositions, lifestyle benefits, loyalty features, concierge services, or exclusive partnerships.
• The ability to analyse data, troubleshoot payment issues, optimize processes, and make data-driven decisions.
• Good understanding of payment systems, digital platforms, system workflows, security basics, and industry technologies.
• An understanding of regional regulations across financial services or payment networks.