Senior Credit Cards Product & Portfolio Expert Location - Riyadh, Saudi Arabia
About the Role We are seeking a seasoned Senior Credit Cards Product & Portfolio Expert to lead the development, management, and optimization of our credit card products. This role is pivotal in driving portfolio growth, enhancing customer experience, and ensuring profitability through data-driven strategies. The ideal candidate will bring deep expertise in retail banking, cards, and payments, with a proven track record in product launches, customer lifecycle management, and strategic partnerships.

Key Responsibilities
Product Strategy & Portfolio Management Lead and execute credit card strategies to drive spend, retention, and profitability. Manage the full product lifecycle, including proposition design, pricing, features, and benefits. Monitor and improve portfolio metrics such as activation, spend per card, attrition, and profitability. Optimize P&L by balancing interchange income, rewards, fees, and cost structures. Design and enhance loyalty and rewards programs to boost customer engagement.
Digital & Customer Experience Champion digital-first initiatives across acquisition, servicing, and engagement journeys. Enhance mobile and online card management capabilities, enabling fintech integrations. Leverage data analytics to personalize customer offers and campaigns.
Project & Change Management Lead cross-functional projects, including product launches and system migrations. Ensure timely execution of initiatives with strong governance and stakeholder alignment.
Partnerships & Business Development Manage relationships with card schemes and key partners. Develop merchant and ecosystem partnerships to enhance customer value.
Leadership & Capability Building Act as a subject matter expert, supporting leadership on card strategy and execution. Mentor and develop internal teams to strengthen organizational expertise in cards.
Requirements12+ years of experience in cards/retail banking with strong product and portfolio management expertise. In-depth product knowledge of credit cards is essential. Proven experience in product launches, CVP development, and customer lifecycle management. Strong understanding of debit, credit, and prepaid card portfolios. Expertise in campaign execution, segmentation, and data-driven decision-making. Solid knowledge of cards profitability metrics and performance analytics. Experience in project management, stakeholder management, and regulatory compliance. Familiarity with market practices in banking and fluency in Arabic (mandatory). Bachelor’s degree required.
What We Offer
Competitive salary and benefits package. Opportunity to be part of a fast-paced, growing startup with strong career growth potential. Ownership of initiatives with clear responsibilities. Continuous coaching and mentoring from senior data scientists and AI experts worldwide. A dynamic, respectful, and collaborative work environment.
Interested Candidates can mail their cv at [Click to show email] or call at 8467054123