Technical Card Implementation Lead (Consumer, Wallet & Commercial Cards) Location: Riyadh, Saudi Arabia (Onsite) Experience: 10+ Years Industry: Fintech | BNPL | Payments | Card Issuing About the Role Join a leading BNPL fintech launching mass-market consumer credit cards, wallet-linked prepaid cards, and commercial card products in Saudi Arabia. This role will work closely with the client's Product and Technology teams to lead the end-to-end technical implementation, certification, and production launch of new card programs. You'll own the complete delivery lifecycle—from principal membership and BIN setup through processor integration, scheme certification, digital wallet enablement, and production go-live. This is a unique opportunity to build a greenfield card issuing platform that will power millions of customer transactions across the Kingdom. Key Responsibilities 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 x Pay 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 x Pay. High stakeholder satisfaction and effective governance reporting. Smooth transition to BAU support following production launch. Mandatory Requirements10+ 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 (Power CARD, Way4, Vision PLUS, Cortex, Prime, or similar) Complete card lifecycle management:Issuance Authorization Clearing & Settlement Chargebacks & Disputes ISO 8583 and ISO 20022 messaging Tokenization (MDES/VTS) Apple Pay, Google Pay, x Pay3D Secure (3DS) PCI-DSS compliance API integrations and cloud-native architectures Certification environments and payment simulators Preferred Experience Greenfield card program launches. Fintech or BNPL organizations. GCC/MENA payments ecosystem. Knowledge of Shariah-compliant financial products. Arabic language proficiency. Tools & Platforms JIRAConfluence MS Project Postman Soap UIPayment MIPScheme certification and testing tools Preferred Certifications PMP or PRINCE2Payment Certified Associate/Professional Fraud Management or Dispute Resolution certifications Mandatory Skills End-to-end card implementation and productionization Consumer, Wallet & Commercial Card launches BIN setup & ICA assignment Principal Membership enablement Processor integration Payment Scheme certification Digital Wallets (Apple Pay, Google Pay, x Pay) MDES Tokenization SAMA regulatory knowledge Strong stakeholder and program management

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