VP – Cards Product

Management & Operations, Other
United Arab Emirates
March 22, 2026
Full Time

Job Overview

Job Description

411_2955502

Job Summary

To manage the Credit and Debit Card product portfolio, driving customer value, revenue growth, and digital innovation. The role involves end-to-end product ownership including strategy, development, performance management, and cross-functional execution, in alignment with business goals and regulatory expectations.

Experience

  • 5–10 years in Retail Banking or Payment Cards, with at least 3 years in a product management role
  • Experience with card schemes (Visa/MasterCard), processors, and digital enablers preferred

Skills

  • Strong understanding of card product economics and lifecycle
  • Analytical thinking and data-driven decision making
  • Solid project management and execution skills
  • Effective collaboration with cross-functional teams
  • Knowledge of emerging trends in digital payments and customer experience

Mandatory Professional Certifications & Licenses

  • Cards acquisition and activation rate
  • Usage growth (spend per card / transaction frequency)
  • Product-level profitability and cost control
  • Digital adoption and self-service penetration

Main Accountabilities

  1. Product Ownership & Strategy: Own the cards product roadmap – across Credit, Debit, and Prepaid segments; drive product positioning and value proposition across customer segments; benchmark against market offerings and proactively identify opportunities for innovation and differentiation.
  2. Portfolio & P&L Management: Monitor and manage key performance metrics: acquisition, activation, usage, attrition, profitability, NCLs; optimize fee income, interchange revenue, rewards cost, and lifecycle profitability; collaborate with Finance to ensure accurate product P&L reporting and forecasting.
  3. Product Development & Enhancement: Work with internal and external partners (e.g., Visa, Mastercard, fintechs) to develop new propositions, features, and benefits; lead initiatives such as co-branded cards, digital issuance, tokenization, tap-to-pay, and loyalty integration; ensure timely implementation of new product features, campaigns, and pricing changes.
  4. Customer Experience & Digital Integration: Enhance the end-to-end cardholder journey – from application to usage and servicing; collaborate with Digital Banking to embed card services into mobile/internet channels; support instant issuance, digital onboarding, and self-service capabilities.
  5. Cross-Functional Execution: Liaise with Marketing, Operations, Risk, Compliance, Legal, IT, and Sales; support marketing campaigns, customer communications, and frontline training; address issues and gaps raised by internal stakeholders, audit, or customer feedback.
  6. Regulatory & Risk Compliance: Ensure all card products comply with regulatory, scheme, and internal governance requirements; own product documentation, SOPs, disclosures, and audit readiness; proactively identify and mitigate operational and reputational risks related to card products.

Seniority level

  • Not Applicable

Employment type

  • Full-time

Job function

  • Product Management and Marketing
  • Industries
  • IT Services and IT Consulting

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Location: Abu Dhabi Emirate, United Arab Emirates

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2026-02-27 08:37:58

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