Senior Credit Cards Product & Portfolio Expert | Quantum Talent Group | Riyadh, Saudi Arabia (Onsite)

Quantum Talent Group; Riyadh; On-site; SAR 350,000 - 850,000; Full time

Job summary

Quantum Talent Group in Riyadh seeks a Senior Credit Cards Product & Portfolio Expert to lead end-to-end card lifecycle management, CVP development, and portfolio P&L governance. You will drive innovative card propositions, launches, and loyalty optimization while ensuring strict adherence to SAMA and regulatory standards.

You will collaborate with retail banking leadership, digital squads, and risk teams to enhance market share, profitability, and risk management, on a 12-month onsite

Qualifications

• 15+ years in retail banking, payments, credit cards product, and portfolio management.
• Strong P&L and CVP development experience.
• Deep knowledge of SAMA regulations and digital banking frameworks.
• Experience leading card launch campaigns and loyalty programs.
• Onsite Riyadh availability and legal work eligibility.

Responsibilities

• Spearhead strategic credit cards product management and portfolio growth in retail banking.
• Design and execute CVPs, rewards, and loyalty programs.
• Lead end-to-end card launch campaigns and go-to-market strategies.
• Manage card portfolio P&L, revenue, fees, and cost control.
• Ensure compliance with SAMA regulations and data security mandates.
• Collaborate with digital banking, marketing, risk, and analytics teams.
• Oversee portfolio health analytics, risk thresholds, and profitability improvements.
• Maintain product documentation and regulatory records.

Skills

Credit card P&L management

CVP development

Portfolio management

Stakeholder management

Strategic leadership

Regulatory compliance (SAMA)

Education

Bachelor’s or Master’s degree in Business Admin/Finance/Economics/CS

Tools

CMS (Card Management System)

BI analytics tools

Job description

Position Summary

Driving strategic credit cards product innovation, portfolio growth, and profitability across premier retail banking environments in Saudi Arabia, Quantum Talent Group is actively seeking an accomplished Senior Credit Cards Product & Portfolio Expert for a 12-month contract engagement in Riyadh. In this vital executive leadership role, you will shape credit card propositions (CVP), spearhead card product launches, optimize card P&L management, and ensure strict compliance with SAMA regulatory frameworks. Bringing 15+ years of progressive banking and payments expertise, you will empower financial institutions to achieve uncompromised portfolio expansion and market leadership. This prestigious career opportunity offers competitive remuneration, high strategic visibility, and exceptional professional growth within a premier global recruitment and talent solutions enterprise.

Detailed Job Description

As a Senior Credit Cards Product & Portfolio Expert supporting Quantum Talent Group in Riyadh, Saudi Arabia, you will take full operational, strategic, and tactical ownership of credit card product lifecycle management, customer value proposition (CVP) development, loyalty program optimization, and portfolio P&L governance. Your day-to-day responsibilities include designing innovative credit card products, leading end-to-end card launch campaigns, analyzing portfolio performance metrics, and navigating Saudi Central Bank (SAMA) regulatory compliance standards. You will collaborate closely with retail banking executives, digital banking squads, risk management committees, and technology partners in fast-paced operational environments.

Key Responsibilities

• Spearhead strategic credit cards product management, proposition development, and portfolio growth initiatives across retail banking.
• Design and execute compelling Customer Value Propositions (CVPs), reward structures, and customer loyalty programs.
• Lead end-to-end credit card launch campaigns, go-to-market strategies, and cross-functional product rollout squads.
• Manage card portfolio P&L, revenue optimization, interest income streams, fee monetization, and cost control.
• Ensure rigorous compliance with Saudi Central Bank (SAMA) regulations, retail banking directives, and data security mandates.
• Partner with digital banking, marketing, risk, and analytics squads to enhance customer acquisition and retention.
• Oversee portfolio health analytics, credit risk thresholds, attrition tracking, and profitability enhancements.
• Maintain comprehensive product documentation, executive board reports, and regulatory compliance records.

Required Qualifications & Skills

• Bachelor’s or Master’s degree in Business Administration, Finance, Economics, Computer Science, or related discipline.
• Minimum of 15+ years of progressive professional experience in retail banking, payments, credit cards product, and portfolio management.
• Strong, demonstrable hands-on professional expertise in credit card P&L management, profitability analysis, and CVP development.
• Comprehensive working knowledge and practical proficiency in Saudi Central Bank (SAMA) regulations and digital banking frameworks.
• Deep practical experience leading card launch campaigns, loyalty reward structures, and portfolio growth strategies.
• Solid practical grasp of retail banking operations, credit risk governance, and card management systems (CMS).
• Proven executive leadership, stakeholder management, and strategic communication capabilities.
• Mandatory legal work eligibility and physical availability for onsite professional operations in Riyadh, Saudi Arabia.

Nice-to-Have Skills

• Professional certifications in banking, product management, or agile governance.
• Prior professional working experience in top-tier regional commercial banks, international financial institutions, or premier fintechs.
• Hands-on familiarity with digital wallet integrations (Apple Pay, Google Pay) and modern card issuing platforms.
• Experience utilizing enterprise analytics and business intelligence tools for portfolio segmentation and predictive modeling.
• Exposure to agile product development methodologies and enterprise project management frameworks.

Application Information

• Recruiter: Quantum Talent Group Recruitment Division
• Contact Name: Jonathan Nolasco (Delivery Manager | Tech Recruitment)
• Email: [e-mail]
• Phone:
• Company Website: https://www.quantumtalentgroup.com
• Salary/Rate: Market Competitive / Executive Banking Package
• Deadline: Open until filled (Urgent Riyadh Credit Cards Opening)
• Notice Period: Immediate to 30 Days Preferred
• Contract Duration: 12-Month Contract Engagement (Riyadh Onsite)