Cards Product Manager (Commercial Cards)

Job Title: Cards Product Manager (Commercial Cards)

Term: 12 months

Location: Dubai

Division: E & Money

Reports to: Head of Cards (Product)

Relevant experience: 8–10 years in product management across cards / prepaid / digital payments, with at least 5 years focused on SME or Business Banking portfolios in the UAE/GCC.

Mandatory requirements:

• Proven experience in card issuing and payment processing, with endto-end experience on product portfolio launch (prepaid or debit).
• UAE market experience in Small-toMedium Enterprise / Commercial Card segments.
• Experience coordinating with technology, operations, credit, risk and finance teams on card product launches.
• Immediately available
• Professional proficiency in English; Arabic preferred

PURPOSE OF THE PROJECT
To design, build, launch and scale client's SME prepaid proposition for micro and small business customers in the UAE, managing the end‑to‑end product lifecycle from initial CVP definition and BIN set‑up through go‑live, commercialization, and ongoing portfolio optimization, in close collaboration with client's internal teams.

Key Activities
Core Responsibilities and Accountabilities

End‑to‑End Product Ownership – SME Prepaid

• Own the end‑to‑end lifecycle of client's SME prepaid card / wallet proposition – from CVP design, BIN set‑up, scheme onboarding, configuration and testing through launch, commercialization and post‑launch optimization.
• Translate the agreed CVP into clear business requirements, product features, pricing, and servicing models tailored to micro and small business needs.

Launch Execution & Scheme / Processor Coordination

• Coordinate across client's technology, operations, risk, finance and marketing teams, as well as Advisors, processors and any fintech partners, to ensure all launch dependencies (BINs, card profiles, limits, KYC/AML flows, settlement, fees) are delivered on time and to specification.
• Ensure alignment with scheme pricing, mandates and regulations, and support internal teams on any required certifications or compliance activities

Customer Acquisition, Onboarding & Activation

• Design and implement SME acquisition strategies for the prepaid proposition across business banking channels (RMs, digital, partners) to drive quality sign‑ups in the micro and small segments.
• Build onboarding and first‑90‑days journeys that maximise activation, first load and early usage, reducing drop‑off and time‑to-first-transaction.

Portfolio & P&L Management

• Monitor portfolio performance across KPIs such as active rate, average load / spend, revenue per active, ENR, churn, and fraud, and recommend actions to improve profitability and sustainability.
• Work with finance and business teams to review P&L lines for the prepaid issuing business (interchange, fees, funding costs, scheme fees) and ensure financial feasibility of the proposition.

Feature Roadmap & CVP Optimization

• Continuously enhance the prepaid CVP (features, limits, rewards, digital capabilities) based on customer feedback, competitor benchmarking, and performance analytics.
• Identify opportunities for segment‑specific propositions (e.g., freelancers, micro retailers, small service businesses) and tailor product variants accordingly

Stakeholder Management & Training

• Act as the primary product contact for Business Banking / SME, coordinating with RMs, sales, service and operations to ensure strong frontline understanding of the product and its value proposition.
• Design and deliver training sessions and toolkits for internal teams and key partners to support effective selling, onboarding and servicing.

Data, Reporting & Governance

• Develop monthly performance dashboards and insight packs for senior stakeholders at client and Advisors, highlighting trends, issues and recommended actions
• Support governance routines (steering committees, working groups) by tracking and reporting on key milestones, risks, and issue resolution.

KPIs

• Number of new SME prepaid customers acquired (monthly / quarterly)
• Activation rate within first 30 days of issuance / sign‑up
• Average load and spend per active prepaid account
• Portfolio revenue growth % (interchange, fees, FX, etc.)
• Time‑to‑market for new features / enhancements
• Campaign ROI and conversion (from targeted segments)
• NPS / customer satisfaction for SME prepaid users (Verification Needed)
• Operational SLA adherence for onboarding and servicing
• Fraud / chargeback rate as a % of transaction

Knowledge and Experience
Must Have

• Full lifecycle experience of card / prepaid product management (ideation, design, launch, scaling, optimization).
• Hands-on exposure to SME or Business Banking propositions in the UAE/GCC.
• Understanding of card issuing, settlement, scheme pricing (interchange, fees) and operational processes.
• Experience in onboarding, activation and spend-stimulation strategies for card or prepaid portfolios.
• Strong analytical and reporting skills (Excel, dashboards; SQL or similar is a plus).
• Proven track record of working with technology, operations, risk, finance and marketing to deliver product change

Nice to Have

• Experience with micro‑lending / micro‑business propositions or BNPL-style SME solutions.
• Familiarity with card platforms (e.g., TSYS Prime or similar) and digital onboarding tools.
• Exposure to scheme tools and mandates
• Arabic language skills

Mandatory Skills**

• Product strategy & roadmap development for cards / prepaid.
• Campaign design and execution (digital, direct, partner-based) for SME acquisition and usage.
• Portfolio analytics – ability to interpret performance data and translate into actions.
• Pricing and rewards optimization within agreed P&L and risk constraints.
• Stakeholder and partner management, including schemes, processors and fintech partners.
• Project management and ability to drive cross‑functional delivery to deadlines.
• Excellent communication, presentation and training skills.