Commercial Cards Product & Implementation Consultant

Engagement details:Job Title: Commercial Cards Product & Implementation ConsultantClient: Global Cards & Payments FirmEnd-client: Leading BankEmployment type: Initial 12-month contract with strong potential for extension

Location: Onsite in Jeddah, KSAExperience level: 7+ yearsRole Overview:Our client, a Global Cards & Payments firm, is engaged with a leading bank in Jeddah and is seeking to onboard a Commercial Cards Product & Implementation Consultant who will work closely with a leading financial institution in Saudi Arabia and support the development, implementation, optimization and commercialization of its Corporate and SME card portfolio.This role requires highly hands-on, client-embedded role requiring a strong combination of commercial-card product knowledge, business analysis, technology implementation, UAT and testing, process design, portfolio analytics and stakeholder management.The ideal consultant will act as a bridge between business, product, technology, operations, vendors and commercial teams, translating business requirements into executable solutions and driving initiatives from concept and requirements through testing, production deployment, stabilization and commercialization.

Key Responsibilities

1. Commercial Cards Product Development Support the development and enhancement of Corporate and SME credit, prepaid and commercial-card propositions. Translate business needs into detailed product, process and functional requirements.Identify product and customer-journey gaps and develop practical recommendations to address them.Support Corporate Card Platform enhancements, onboarding journeys, servicing capabilities and product configuration.Contribute to virtual card, credit-limit, cardholder, authorized-signatory, workflow and related commercialpayment initiatives.2. Business Analysis & Requirements Management Gather, analyze and document business, product and functional requirements.Develop business requirements, functional specifications, process flows, test scenarios and supporting documentation.Facilitate workshops with business, product, technology, operations, risk and vendor stakeholders.Translate business requirements into actionable technology deliverables and review solution designs for alignment.Manage requirements through sign-off, development, testing, deployment and post-launch validation. 3. Implementation & Technology CoordinationCoordinate implementation across business, technology, operations and external technology or vendor teams.Track development progress, dependencies, issues, defects and delivery risks.Facilitate resolution of implementation blockers and escalate critical dependencies appropriately.Support production deployment, post-launch stabilization and controlled change delivery.Maintain clear implementation roadmaps, action logs and management updates.4. UAT, Pilot Testing & Production Readiness Develop and coordinate UAT and business test scenarios for end-to-end journeys.Support testing of card products, onboarding platforms, workflows and servicing capabilities.Log, prioritize and track defects through remediation and closure.Coordinate controlled client pilots and establish measurable success criteria.Assess operational and technical readiness before broader commercialization or migration.5. Client Onboarding & Commercialization Support onboarding and migration of Corporate and SME card clients.Develop segmentation and prioritization approaches for existing and prospective portfolios.Work with Relationship Managers, product teams and sales channels to convert product readiness into adoption.Support development of RM enablement materials, product FAQs, user guides and sales tools.Monitor onboarding, activation, card issuance, transaction volumes, spend and customer adoption following launch. 6. Business Cases & Portfolio Analytics Perform portfolio and opportunity analysis across Corporate and SME customers.Develop business cases for product launches, migrations and portfolio optimization.Quantify opportunities in terms of cards, spend or GDV, revenue, cost savings and other measurable value.Develop scenarios and recommendations to support management decisions.Define KPIs and support tracking of realized commercial impact. 7. Operating Model & Servicing ReadinessHelp establish scalable operating and servicing models for Commercial Cards.Define roles and responsibilities across Relationship Management, Cash Management, Operations, Product and Technology.Support the creation of escalation paths, service-level expectations and governance processes.Ensure servicing readiness is developed alongside acquisition and product launch.Create knowledge-transfer materials and operational documentation. 8. Stakeholder & Program ManagementWork directly with senior stakeholders across the financial institution, scheme and partner organizations.Coordinate across Product, Technology, Operations, Sales, Risk, Legal and external vendors.Facilitate cross-functional meetings and maintain clear ownership of actions, dependencies and timelines.Maintain project trackers, KPIs, milestones, risks and management reporting.Proactively surface delivery challenges and recommend practical, outcome-oriented solutions.Knowledge and Experience7+ years of relevant experience in banking, payments, cards, fintech or financial-services consulting.Strong practical experience with Commercial Cards, Corporate Cards, SME Cards, Business Cards or B2B payments.Working knowledge of both credit and prepaid card products.Demonstrated experience taking initiatives through requirements, development, UAT, production and commercialization. Strong Business Analyst, Product Management or implementation experience within a bank, payment network, processor or fintech.Experience coordinating technology implementation and working with internal IT teams and external vendors.Experience conducting UAT, managing defects and supporting production releases.Experience interacting directly with business and product stakeholders in a financial institution.