Cards Technical Implementation Lead

Hiresquad Resources Private Limited

Saudi Arabia

On-site

SAR 350,000 - 550,000

Full time

2 days ago

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Job summary

Hiresquad Resources Private Limited in Riyadh, Saudi Arabia, seeks a Technical Card Implementation Lead to own the end-to-end delivery of card programs—from BIN setup to certification and production go-live—for consumer, wallet, and commercial cards.

You will collaborate with product and technology teams to enable digital wallets, ensure SAMA regulatory compliance, manage scheme certification, and drive on-time milestones for a greenfield issuing platform.

Qualifications

10+ years of payments technology and card-issuance experience.
Experience delivering end-to-end card implementations.
Strong knowledge of SAMA regulations.
Hands-on with BIN setup, ICA assignment, and processor integration.

Responsibilities

Lead the end-to-end technical implementation of consumer, wallet, and commercial card programs.
Manage BIN requests, ICA assignment, processor onboarding, CMS integration, and payment scheme certification.
Drive principal membership enablement and regulatory compliance with SAMA.
Oversee card production, personalization, and digital issuance.
Coordinate Apple Pay, Google Pay, and xPay integrations including MDES tokenization and 3DS configuration.
Lead scheme certification activities (MIP testing, SIT, UAT, performance testing, security testing).
Configure authorization, settlement, and dispute management processes.
Coordinate cross-functional delivery across processors, schemes, and engineering teams.
Manage project governance, risk tracking, and production stabilization after go-live.

Skills

Payments technology

Card issuing

End-to-end delivery leadership

Regulatory compliance (SAMA)

English fluency

Education

Bachelor's degree in a relevant field

PMP or PRINCE2

Payment Certification (Associate/Professional)

Tools

BIN management tools

PowerCARD / Way4 / VisionPLUS

Apple Pay / Google Pay integration

MS Project

Postman

SOAPUI

JIRA

ICA assignment tooling

Job description

Technical Card Implementation Lead (Consumer, Wallet & Commercial Cards)

Location: Riyadh, Saudi Arabia (Onsite)

Experience: 10+ Years

Industry: Fintech | BNPL | Payments | Card Issuing

Contract- 12Months(renewable)

About the Role

Join a leading BNPL fintech launching mass-market consumer credit cards, wallet-linked prepaid cards, and commercial card products in Saudi Arabia.

This role will work closely with the client's Product and Technology teams to lead the end-to-end technical implementation, certification, and production launch of new card programs. You'll own the complete delivery lifecycle—from principal membership and BIN setup through processor integration, scheme certification, digital wallet enablement, and production go-live.

This is a unique opportunity to build a greenfield card issuing platform that will power millions of customer transactions across the Kingdom.

Key Responsibilities

Lead the end-to-end technical implementation of consumer credit, prepaid/wallet, and commercial card programs.
Manage BIN requests, ICA assignment, processor onboarding, CMS integration, and payment scheme certification.
Drive principal membership enablement, coordinating with card schemes and ensuring SAMA regulatory compliance.
Oversee card production, personalization, fulfillment, and digital issuance.
Deliver Apple Pay, Google Pay, and xPay integration, including MDES tokenization, 3DS configuration, and digital provisioning.
Lead scheme certification activities, including MIP testing, SIT, UAT, performance testing, security testing, and production readiness.
Configure authorization, authentication, settlement, and dispute management processes.
Coordinate cross-functional delivery across processors, personalization bureaus, payment schemes, compliance, product, and engineering teams.
Manage project governance, risk tracking, milestone reporting, and production stabilization after go-live.

Success Measures

Successful BIN setup and payment scheme certification within project timelines.
On-time delivery of technical milestones.
Zero critical (P1/P2) defects at production launch.
Successful rollout of Apple Pay, Google Pay, and xPay.
High stakeholder satisfaction and effective governance reporting.
Smooth transition to BAU support following production launch.

Mandatory Requirements

10+ years of experience in payments technology, card issuing, processor integration, or card implementation programs.
Proven experience delivering end-to-end technical implementation of:
Consumer Credit Cards
Wallet/Prepaid Cards
Commercial Cards
Hands-on experience with:
BIN setup
ICA assignment
Principal Membership enablement
Payment Scheme certification
Experience integrating with Tier-1 issuer processors.
Strong understanding of the SAMA regulatory framework for card issuance and consumer finance.
Fluent English communication.
Immediate joiners or candidates serving up to a 30-day notice period preferred.

Technical Expertise

Card Management Systems (PowerCARD, Way4, VisionPLUS, Cortex, Prime, or similar)
Complete card lifecycle management:
Issuance
Authorization
Clearing & Settlement
Chargebacks & Disputes
ISO 8583 and ISO 20022 messaging
Tokenization (MDES/VTS)
Apple Pay, Google Pay, xPay
3D Secure (3DS)
PCI-DSS compliance
API integrations and cloud-native architectures
Certification environments and payment simulators