Senior Credit Cards Product and Portfolio Expert

We are looking for an experienced Senior Credit Cards Product & Portfolio Expert to lead cards strategy, drive portfolio growth, enhance customer engagement, and improve profitability within the retail banking sector.

• Strong experience in credit and debit card product launches, portfolio management, and customer lifecycle management.
• Proven expertise in card product strategy, CVP development, pricing, features, and benefits.
• Experience driving card spend, activation, retention, profitability, and customer engagement.
• Strong knowledge of card P&L management, interchange, loyalty and rewards programs.
• Experience in campaign execution, customer segmentation, and performance analytics.
• Strong understanding of SAMA regulations and the Saudi banking market.
• Experience in digital banking, mobile banking, fintech, and wallet integrations.
• Proven ability to lead large-scale projects, system migrations, and cross-functional initiatives.
• Experience managing card scheme relationships, merchant partnerships, and strategic alliances.
• Strong leadership, stakeholder management, and team development skills.
• Bachelor's degree required.

• Minimum 12 years of experience in cards/retail banking, ideally with 5 years in leadership roles.
• Strong expertise in credit card product management and portfolio growth delivery.
• Proven background in digital banking and project management.
• Knowledge of the Saudi banking market, SAMA regulations, and payment trends.
• Bachelor's degree required.

Head of Cards, Cards Portfolio Director, Senior Cards Product Manager, or similar senior retail banking positions.