Senior Credit Cards Product & Portfolio Expert

Develop and execute the overall credit cards strategy to increase spend customer engagement retention and profitability Manage the complete product lifecycle including product design pricing features benefits and portfolio enhancements Drive portfolio performance by improving activation utilization spend per card retention and profitability Optimize product P L by effectively managing interchange income fees rewards and operating costs Design and enhance loyalty and rewards programs that increase customer engagement and everyday card usage Recommend targeted campaigns and portfolio initiatives to improve product performance Monitor product performance after launch and implement continuous improvements based on customer insights and business results Support sales teams through product training sales enablement and portfolio knowledge sharing

• 12-15 years of experience in Retail Banking & Credit Cards, including 5+ years in a leadership role.
• Proven expertise in Credit Card Product Management and Portfolio Growth.
• Strong experience in Digital Banking, Program Management, and Business Transformation.
• Demonstrated success in launching and managing premium credit card products.
• Strong knowledge of the Saudi banking market, SAMA regulations, and payment industry trends.
• Excellent stakeholder management and leadership capabilities.
• Bachelor's degree in Business, Finance, Marketing, or a related discipline.
• Fluency in Arabic and English (spoken and written) is mandatory