Card Consulting Program Lead

Job Title: Card Consulting Program Lead

Term: 12 months

Location: Riyadh, KSA

• 15+years'experienceinconsulting,program management,payments/cards or financial servicestransformation.
• Proven delivery of complex multi-workstreamprograms from strategy through execution and benefit realization.

• Senior consulting and program leadership experience, including problem
  structuring, C-level stakeholder management, governance,risk/dependency management,analytics-led decision-making and execution oversight.
• Knowledge in cards, CVM, product launch, digital banking, and SAMAregulations.
• English and Arabic proficiency is mandatory.

The Cards Consulting Program Lead will oversee the end-to-end delivery of a large cards' transformation program,covering consumer and corporate cards, CVM, analytics, governance, controls, product launch, digital enablement and
portfolio optimization. The role requires a senior strategic advisor and hands on program lead who can manage cross-functional teams, engage C-level stakeholders and ensure delivery of measurable commercial, operational,customer and risk-management outcomes.

• Lead end-to-end delivery of a complex cards consulting program across multiple work streams, ensuring alignment to objectives, timelines, budget, quality criteria and benefit realization.
• Establish governance routines including steering committees, working groups, RAID management, escalation,dependency tracking and executive reporting.
• Translate strategic priorities into an integrated roadmap with clear milestones, owners and deliverables,while resolving risks, issues and scope changes to maintain execution momentum.

• Support execution of cards strategy across consumer, corporate and SME segments, with focus on spendgrowth, activation, retention, engagement, profitability and CVM.
• Monitor portfolio performance across acquisition quality, activation, spend, attrition, profitability, creditperformance, digital adoption and campaign ROI.
• Ensure recommendations balance customer value, commercial economics, operational feasibility, and riskwhile adhering to regulatory requirements.

• Oversee product launches, CVP enhancements, feature upgrades, pricing changes, loyalty/rewardsimprovements, campaign execution and portfolio interventions.
• Design and improve customer and operational journeys across onboarding, servicing, disputes, controls,campaign execution, portfolio monitoring and post-launch management.
• Drive digital enablement and customer engagement initiatives that improve usage, experience, adoption and performance.

• Structure business problems into clear workplans, hypotheses, analytical requirements and decision-ready outputs for senior leadership.
• Lead market research, benchmarking, customer needs assessment, business cases, revenue projections andcost-benefit analysis.
• Identify portfolio opportunities, product gaps, customer segments, operational bottlenecks and performancelevers, translating insights into executable plans

• Lead cross-functional teams internally within the client alongside external stakeholders to provide business?focused solutions and recommendations that drive client value.
• Manage change impacts across people, process, technology, controls and governance, ensuring readinessbefore launch and adoption after implementation.
• Support capability building through playbooks, operating routines, training, knowledge transfer and performance management disciplines.

• Identify delivery, operational, compliance, financial, technology and customer risks early and maintain effective mitigation actions.
• Ensure deliverables align with business, technical, control and SAMA regulations.
• Oversee testing, readiness assessments, go-live planning, issue resolution, stabilization and post-launchperformance improvement.
• Act as a trusted advisor to senior client and Mastercard…