Technical Card Product Manager: Issuing & Acquiring

CodeNinja

Saudi Arabia

On-site

SAR 300,000 - 520,000

Full time

14 days+

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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.