• Lead the end-to-end technical implementation of consumer credit, prepaid/wallet, and commercial card programs.

• Manage BIN requests, ICA assignment, processor onboarding, CMS integration, and payment scheme certification.

• Drive principal membership enablement, coordinating with card schemes and ensuring SAMA regulatory compliance.

• Oversee card production, personalization, fulfillment, and digital issuance.

• Deliver Apple Pay, Google Pay, and xPay integration, including MDES tokenization, 3DS configuration, and digital provisioning.

• Lead scheme certification activities, including MIP testing, SIT, UAT, performance testing, security testing, and production readiness.

• Configure authorization, authentication, settlement, and dispute management processes.

• Coordinate cross-functional delivery across processors, personalization bureaus, payment schemes, compliance, product, and engineering teams.

• Manage project governance, risk tracking, milestone reporting, and production stabilization after go-live.

Success Measures

• Successful BIN setup and payment scheme certification within project timelines.

• On-time delivery of technical milestones.

• Zero critical (P1/P2) defects at production launch.

• Successful rollout of Apple Pay, Google Pay, and xPay.

• High stakeholder satisfaction and effective governance reporting.

• Smooth transition to BAU support following production launch.

Desired Candidate Profile

datory Requirements

• 10+ years of experience in payments technology, card issuing, processor integration, or card implementation programs.

• Proven experience delivering end-to-end technical implementation of:

• Consumer Credit Cards

• Wallet/Prepaid Cards

• Commercial Cards

• Hands-on experience with:

• BIN setup

• ICA assignment

• Principal Membership enablement

• Payment Scheme certification

• Experience integrating with Tier-1 issuer processors.

• Strong understanding of the SAMA regulatory framework for card issuance and consumer finance.

• Fluent English communication.

• Immediate joiners or candidates serving up to a 30-day notice period preferred.

Technical Expertise

• Card Management Systems (PowerCARD, Way4, VisionPLUS, Cortex, Prime, or similar)

• Complete card lifecycle management

• Greenfield card program launches.

• Fintech or BNPL organizations.

• GCC/MENA payments ecosystem.

• Knowledge of Shariah-compliant financial products.

• Arabic language proficiency.