Product Owner – Cards & Payments – Digital Banking

Product Owner – Cards & Payments – BankingLocation: Riyadh, Saudi Arabia (role can be based full-time in Riyadh; they would consider it if you are travelling from outside Saudi Arabia: 2 weeks in Riyadh and 2 weeks remote from hime per month)The OpportunityWe are looking for an experienced Senior Product Owner with strong Cards & Payments domain expertise to join a major digital banking transformation programme.This is not a generalist banking Product Owner position. Candidates must have significant hands-on product experience across Cards and Payments, ideally covering the end-to-end card lifecycle and associated customer journeys.Key ResponsibilitiesOwn the product vision, roadmap and backlog for Cards & Payments capabilities.Lead product requirements across the end-to-end card lifecycle, from application and issuance through activation, transaction processing, servicing and closure.Define and prioritise epics, features, user stories and acceptance criteria.Work closely with Cards, Payments, Operations, Risk, Compliance, Technology and Architecture stakeholders.Drive digital card journeys across mobile and online banking channels.Define requirements relating to card authorisation, clearing, settlement, transaction processing and reconciliation.Support capabilities including card issuance, activation, PIN management, limits, controls, replacement, renewal and dispute management.Work closely with engineering, architecture, UX, QA and delivery teams throughout the product lifecycle.Manage dependencies between card platforms, payment systems, core banking and digital channels.Support UAT, releases and post-production improvements.Ensure Cards & Payments products meet relevant regulatory, security and compliance requirements.ExperienceStrong experience as a Product Owner / Senior Product Owner within Banking.Significant, recent experience specifically within Cards & Payments.Strong understanding of the end-to-end card lifecycle.Experience across debit and/or credit card products.Knowledge of key card processes including:Card application and onboardingCard issuance and activationPhysical and virtual cardsAuthorisation and transaction processingClearing and settlementCard controls and transaction limitsPIN managementCard replacement and renewalDisputes, chargebacks and refundsLost/stolen card journeysUnderstanding of Visa and/or Mastercard card schemes and associated processes.Experience delivering digital Cards & Payments capabilities within mobile or internet banking.Strong experience managing product backlogs and translating business requirements into epics, user stories and acceptance criteria.Experience working within Agile/Scrum delivery environments.Strong stakeholder management skills across both business and technology teams.Highly DesirableExperience with card issuing and/or card processing platforms.Knowledge of payment gateways, payment switches and payment processing.Experience with 3D Secure, tokenisation and digital wallets.Exposure to Apple Pay, Google Pay or similar wallet integrations.Understanding of PCI DSS and card security requirements.Experience with APIs, microservices and modern digital banking architectures.Experience working for a digital bank, challenger bank or major Cards transformation programme.Previous experience working with clients or teams in Saudi Arabia or the Middle East.