Technical Product Manager - Cards (Issuing/Acquiring)

About The RoleWe are looking for a Technical Product Manager - Cards (Issuing/Acquiring) to join our team in Riyadh.The ideal candidate will have strong hands-on expertise across card issuing and acquiring, payment schemes, card technology, payment processing, and digital wallets. The role requires a combination of technical product management, payments domain knowledge, and commercial acumen.The successful candidate should have experience working with major international payment schemes, card processors, payment integrations, and regulatory requirements, with a strong understanding of the complete card lifecycle.Key ResponsibilitiesOwn and drive card product initiatives across issuing and acquiring, from requirements and design through implementation and optimizationManage integrations and certification activities with major payment schemes, including Visa, Mastercard, CUP, JCB, American Express, and Diners ClubCoordinate scheme certification, testing, implementation, and compliance activitiesDrive integrations with digital wallets including Apple Pay and Samsung PayManage and optimize card payment journeys across authorization, clearing, settlement, and reconciliationWork closely with technology, engineering, payment processors, schemes, vendors, and business stakeholders to deliver card products and enhancementsDefine product requirements, business rules, functional specifications, APIs, integrations, and technical dependenciesWork with acquiring and issuing platforms, processors, payment gateways, POS systems, and related payment infrastructureAnalyze card portfolio performance and identify opportunities to improve profitability, revenue, customer adoption, and operational efficiencyDevelop and implement strategies to transform underperforming or loss-making card portfolios into profitable businessesIdentify new revenue streams and opportunities across card products, acquiring services, merchant services, fees, and value-added propositionsOptimize card processing and operational costs while maintaining service quality and regulatory complianceDevelop innovative card propositions based on customer needs, market trends, competitive analysis, and payment industry developmentsMonitor product KPIs, transaction performance, authorization rates, revenue, costs, profitability, and customer adoptionEnsure products comply with applicable payment scheme rules, banking regulations, security requirements, and local regulatory standardsSupport product roadmap development and prioritize initiatives based on business value, customer impact, technical feasibility, and regulatory requirementsRequirementsRequired Qualifications & Experience2-4 years of hands-on experience in card products, payments, issuing, acquiring, or payment technologyStrong practical knowledge of card issuing and acquiringHands-on experience with one or more major payment schemes, with exposure to:VisaMastercardChina UnionPay (CUP)JCBAmerican ExpressDiners ClubExperience with scheme certification and payment scheme integrationsStrong experience with Apple Pay and Samsung Pay integrationsGood understanding of:Card authorizationClearing and settlementReconciliationCard processingPOS and merchant acquiringPayment gatewaysCard processorsPayment APIs and integrationsStrong understanding of payment architecture and card technologyExperience working with technical and engineering teams on payment integrations and product deliveryDemonstrated ability to analyze card portfolio performance and identify opportunities for revenue growth, cost optimization, and profitability improvementStrong understanding of payment-related regulatory and compliance requirementsExcellent stakeholder management and communication skillsStrong analytical, problem-solving, and product management capabilitiesPreferred QualificationsExperience within banks, FinTechs, payment service providers, card issuers, acquirers, or payment processorsExperience with card processing platforms and payment switchesKnowledge of EMV, 3DS, tokenization, PCI DSS, and digital payment technologiesExperience launching new card products or innovative payment propositionsExperience working in an Agile product development environmentPrevious experience in the Saudi/KSA banking or payments market is a strong advantageBenefitsCompetitive compensation package based on experience and qualificationsMedical insurance coverageAnnual leave in accordance with Saudi labor regulationsAnnual air ticket allowanceVisa sponsorship and relocation support, where applicableOpportunity to work on large-scale enterprise technology and payment initiatives impacting critical business operationsCollaborate with high-performing cross-functional teams and industry expertsExposure to modern payment and technology environments, including enterprise-grade platforms, APIs, cloud, and hybrid architecturesWork within a fast-paced, innovation-driven organization focused on delivering high-impact technology solutionsOpportunity to contribute to strategic technology transformation programs in the regionProfessional growth and exposure to leading payment technologies, schemes, and FinTech solutionsDisclaimerWe are an equal opportunity employer and value diversity in our workforce. All qualified applicants will receive consideration for employment without regard to race, gender, nationality, religion, age, disability, or any other legally protected status.We are committed to fostering an inclusive and respectful workplace where all individuals have equal opportunities to grow and succeed.