Card Consulting Program Lead

• 15 + years' experience in consulting, program management, payments/cards or financial services transformation.
• Proven delivery of complex multi-workstream programs from strategy through execution and benefit realization.

• 15 + years' experience in consulting, program management, payments/cards or financial services transformation.
• Proven delivery of complex multi-workstream programs 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 SAMA regulations.
• 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 spend growth, activation, retention, engagement, profitability and CVM.
• Monitor portfolio performance across acquisition quality, activation, spend, attrition, profitability, credit performance, digital adoption and campaign ROI.
• Ensure recommendations balance customer value, commercial economics, operational feasibility, and risk while adhering to regulatory requirements.

• Oversee product launches, CVP enhancements, feature upgrades, pricing changes, loyalty/rewards improvements, 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 and cost-benefit analysis.
• Identify portfolio opportunities, product gaps, customer segments, operational bottlenecks and performance levers, 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 readiness before 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-launch performance improvement.
• Act as a trusted advisor to senior client and Mastercard stakeholders through clear executive updates, steering materials,…