Senior Credit Cards Product & Portfolio Expert???? Location: Riyadh, Saudi Arabia???? Work Mode: Onsite???? Experience: 12–15 Years About the Role We are seeking a highly experienced Senior Credit Cards Product & Portfolio Expert to support the Head of Cards in defining and executing the bank's credit card strategy. This role is responsible for driving portfolio growth, increasing customer engagement, maximizing profitability, and strengthening the bank's position within the premium and platinum card segments. The ideal candidate will possess extensive expertise in Credit Card Product Management, Portfolio Optimization, Digital Banking, and Large-Scale Transformation Programs, with a strong understanding of the Saudi banking ecosystem. Key Responsibilities Product Strategy & Portfolio Management Develop and execute the overall credit cards strategy to increase spend, customer engagement, retention, and profitability. Manage the complete product lifecycle, including product design, pricing, features, benefits, and portfolio enhancements. Drive portfolio performance by improving activation, utilization, spend per card, retention, and profitability. Optimize product P&L by effectively managing interchange income, fees, rewards, and operating costs. Design and enhance loyalty and rewards programs that increase customer engagement and everyday card usage. Recommend targeted campaigns and portfolio initiatives to improve product performance. Monitor product performance after launch and implement continuous improvements based on customer insights and business results. Support sales teams through product training, sales enablement, and portfolio knowledge sharing. Program & Project Management Lead complex, cross-functional transformation programs from initiation through successful delivery and benefit realization. Manage project scope, timelines, budgets, risks, and stakeholder expectations while ensuring high-quality execution. Identify risks, implement mitigation strategies, and adapt delivery plans to maximize business value. Drive successful execution of new product launches, enhancements, and strategic initiatives. Digital Banking & Customer Experience Champion digital-first customer journeys across acquisition, servicing, rewards, and engagement. Enhance mobile and online banking capabilities for seamless card management. Drive wallet integrations, fintech partnerships, and lifestyle ecosystem collaborations to improve customer experience. Leverage customer data and analytics to personalize offers, campaigns, and engagement strategies. Change Management & Operational Excellence Lead system enhancements and process transformation initiatives to improve operational efficiency. Ensure compliance with SAMA regulations while accelerating time-to-market for new initiatives. Improve onboarding, servicing, and operational processes to reduce turnaround times and enhance customer satisfaction. Partnerships & Business Development Manage relationships with international card schemes and strategic partners. Develop merchant, fintech, and ecosystem partnerships that increase card usage and customer value. Build differentiated partnerships delivering exclusive offers and premium customer experiences. Leadership & Stakeholder Management Serve as the primary product and portfolio expert supporting the Head of Cards. Provide strategic guidance across all card-related initiatives and assume leadership responsibilities when required. Mentor and develop internal teams while strengthening organizational capability in cards product management. Foster a performance-driven culture focused on acquisition, portfolio growth, customer engagement, and retention. Required Qualifications12–15 years of experience in Retail Banking and Credit Cards, including 5+ years in a leadership role. Proven expertise in Credit Card Product Management and Portfolio Growth. Strong experience in Digital Banking, Program Management, and Business Transformation. Demonstrated success in launching and managing premium credit card products. Strong knowledge of the Saudi banking market, SAMA regulations, and payment industry trends. Excellent stakeholder management and leadership capabilities. Bachelor's degree in Business, Finance, Marketing, or a related discipline. Fluency in Arabic and English (spoken and written) is mandatory. Apply Now Interested candidates are invited to share their updated CV at:???? [Click to show email]