About the job 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.