Qureos Mentor

PayTech Group

<div>
 
 Job Title:
 
 Tech PM for BNPL
 
 
 
 Term:
 
 12 months
 
 
 
 Location:
 
 West Bay, Doha, Qatar
 
 
 
 Division:
 
 Cards &amp; Payments
 
 
 
 Reports to:
 
 Head of Product- Cards
 
 
 
 Relevant experience:
 
 10+ years (preferably in project management within traditional banking environments)
 
 
 
 Mandatory requirements:
 
 
 
 <ul>
 <li>
 Strong payments technology. Project Management background with business orientation (Cards)
 </li>
 <li>
 Professional proficiency in English
 </li>
 <li>
 Experience in cards domain (debit, credit, prepaid) and BNPL solutions
 </li>
 <li>
 Knowledge of UAE/GCC regulatory frameworks for digital onboarding
 </li>
 <li>
 Immediately available
 
 
 
 </li>
 </ul>
 
 PURPOSE OF THE PROJECT
 
 
 
 The Techno-Functional Project Manager will act as the interface between the Cards Product team and Technology team, ensuring seamless delivery of strategic initiatives such as BNPL card launch, One-Credential implementation, digital onboarding, and loyalty migration. This role demands a strong technology background combined with business acumen to drive projects to completion within aggressive timelines.
 
 
 
 Key Activities
 
 
 
 
 Core Responsibilities And Accountabilities
 
 
 
 <ul>
 <li>
 Project Leadership: Manage end-to-end delivery of BNPL card and One-Credential projects, ensuring alignment with business objectives and technical feasibility. Oversee digital onboarding initiatives to enable instant credit card issuance
 </li>
 <li>
 Drive loyalty platform migration and ensure operational readiness.
 </li>
 <li>
 Stakeholder Management: Serve as the primary liaison between product, technology, compliance, and operations teams. Facilitate workshops to define requirements and solution design.
 </li>
 <li>
 Technical &amp; Business Integration: Translate business requirements into technical specifications and ensure smooth integration with card issuance platforms, APIs, and fraud engines. Monitor compliance with KYC/AML and regulatory standards.
 </li>
 <li>
 Execution &amp; Governance: Develop and maintain project plans, risk registers, and governance documentation. Track milestones, manage dependencies, and escalate issues proactively.
 </li>
 <li>
 Testing &amp; Quality Assurance: Oversee SIT, UAT, and certification testing for new features and platforms.
 </li>
 <li>
 Ensure robust performance monitoring post-launch.
 
 
 
 </li>
 </ul>
 
 KPIs
 
 
 
 <ul>
 <li>
 Authorization rate uplift
 </li>
 <li>
 Digital onboarding time
 </li>
 <li>
 Loyalty migration success rate
 </li>
 <li>
 SLA adherence
 </li>
 <li>
 Incident mean-time-to-recovery
 </li>
 <li>
 Time-to-certification/launch
 
 
 
 </li>
 </ul>
 
 Knowledge And Experience
 
 
 
 <ul>
 <li>
 Strong technology background with proven ability to manage complex integrations.
 </li>
 <li>
 Expertise in card issuance systems, BNPL solutions, tokenization, and digital onboarding.
 </li>
 <li>
 Familiarity with loyalty platforms and migration strategies.
 </li>
 <li>
 Excellent stakeholder management and communication skills.
 </li>
 <li>
 PMP or equivalent certification preferred.
 </li>
 <li>
 Tokenization and network tokens.
 </li>
 <li>
 3DS risk flows and fraud management.
 </li>
 <li>
 GCC regulatory familiarity with cards and BNPL.
 </li>
 <li>
 Full cards lifecycle knowledge (authorization clearing/settlement).
 </li>
 <li>
 EMV certification and scheme compliance basics.
 </li>
 <li>
 Digital onboarding processes and API integration.
 </li>
 <li>
 Disputes/chargebacks lifecycle.
 
 
 
 </li>
 </ul>
 
 Mandatory Skills**
 
 
 
 <ul>
 <li>
 Strong Payments technology Project Management background with business orientation (Cards)
 </li>
 <li>
 Professional proficiency in English.
 </li>
 <li>
 Experience in cards domain (Debit, Credit, Prepaid) and BNPL solutions.
 </li>
 <li>
 Knowledge of UAE/GCC regulatory frameworks for digital onboarding
 </li>
 <li>
 Immediately Available
 
 </li>
 </ul>
</div>

Tech PM for BNPL

<div>
 
 Job Title:
 
 Cards Product Management Specialist
 
 
 
 Term:
 
 12 months
 
 
 
 Location:
 
 Bahrain
 
 
 
 Division:
 
 Retail Banking/ Cards &amp; Payments
 
 
 
 Relevant experience:
 
 
 
 <ul>
 <li>
 10-15 years cards product/ portfolio management
 </li>
 <li>
 Card Product launches
 </li>
 <li>
 Process/ Policy revamp
 
 
 
 </li>
 </ul>
 
 Mandatory requirements:
 
 
 
 <ul>
 <li>
 Experience of product launches, CVP development, SAMA regulations knowledge
 </li>
 <li>
 Knowledge of cards (debit, credit and prepaid) profitability and key metrics
 
 
 
 </li>
 </ul>
 
 PURPOSE OF THE PROJECT
 
 
 
 The Cards Product Management Specialist is responsible for driving the strategic development, commercialization, and lifecycle management of card products. This includes overseeing product launches, optimizing portfolio performance, managing vendor relationships, and ensuring compliance with regulatory standards. The role is pivotal in enhancing customer engagement, profitability, and operational efficiency across the card business. The specialist will guide and support in executing strategies aimed at generating revenue through products in alignment with consumer banking strategy, with a focus on the whole bank value which is not limited to Card Launches and ongoing product management.
 
 
 
 Key Activities
 
 
 
 
 Core Responsibilities And Accountabilities
 
 
 
 <ul>
 <li>
 Lead the design and rollout of innovative card products tailored to market needs.
 </li>
 <li>
 Define product value propositions (CVPs) and pricing strategies.
 </li>
 <li>
 Create a Bin Sponsorship program and lead discussions for white label solutioning and processing capabilities discussions with new clients
 </li>
 <li>
 Collaborate with cross-functional teams (marketing, sales, operations, compliance) to ensure successful product launches
 </li>
 <li>
 Guide and support in executing strategies aimed at generating revenue through products in alignment with consumer banking strategy.
 </li>
 <li>
 Supports the commercialization of new products and launch of new products and solutions, by recommending pricing, providing sales tools and training the sales team to ensure knowledge transfer resulting in successful sales in partnership with acquisitions
 </li>
 <li>
 Support the client in profit and growth for cards, including revenue, credit costs, and direct/allocated costs.
 </li>
 <li>
 Manage product management for cards, audit, compliance matters, and complaints support.
 </li>
 <li>
 Provide guidance and support to client-facing professionals and sales teams to solve complex client needs through products.
 </li>
 <li>
 Support sales teams with training, tools, and product knowledge to drive acquisition and usage.
 </li>
 <li>
 Recommend promotional campaigns and tactical plans to boost card performance
 </li>
 <li>
 Supports monitoring of product performance, post roll-out and helps resolve product or sales issues to ensure continuous product improvement.
 </li>
 <li>
 Support in delivery of large programs for clients from initiation to benefit realization Successful execution of projects across different clients / businesses, identifying and mitigating risks, solving issues, developing plans and ensuring they are implemented in line with agreed timescales, budgets and quality criteria, including examples of re-aligning scope and objectives during a program to ensure maximum value extraction
 </li>
 <li>
 Develop strong bonds with clients that endure beyond a particular assignment, serves as a go-to resource for client staff, is sought out for knowledge of industry and firm
 </li>
 <li>
 Identify new business opportunities to support clients with solutions
 </li>
 <li>
 Manage integration with card processing systems, switches, and vendors.
 </li>
 <li>
 Provide technical support for card applications and resolve operational issues
 </li>
 <li>
 Ensure seamless delivery of regulatory changes and compliance adherence
 
 
 
 </li>
 </ul>
 
 KPIs
 
 
 
 <ul>
 <li>
 Sales and Acquisition growth
 </li>
 <li>
 Spend, ENR and Revenue growth from card products
 </li>
 <li>
 Number of successful cards launches and time to market
 </li>
 <li>
 Reduction in credit costs and profitability optimization
 </li>
 <li>
 Successful execution of marketing campaigns
 </li>
 <li>
 Customer satisfaction and superior customer experience
 </li>
 <li>
 Timely and effective product roll-out and commercialization
 
 
 
 </li>
 </ul>
 
 Knowledge And Experience
 
 
 
 <ul>
 <li>
 Bachelors or Masters degree in Business, Finance, Marketing, or related field.
 </li>
 <li>
 Strong understanding of card payments, processing systems, and regulatory environments.
 </li>
 <li>
 6 to 8 years of proven experience in product development, portfolio management, and cross-functional collaboration.
 </li>
 <li>
 Excellent analytical, communication, and stakeholder management skills
 
 </li>
 </ul>
</div>

Cards Product Management Specialist

Core Responsibilities and Accountabilities
<ul>
<li> Develop and implement strategies to optimize the cards portfolio performance, including pricing, promotions, and product enhancements.</li>
<li>Lead and mentor the cards portfolio management team, fostering a culture of continuous improvement and professional development.</li>
<li>Analyze market trends, customer behavior, and competitive landscape to identify growth opportunities and potential risks.</li>
<li>Collaborate with cross-functional teams, including marketing, IT, and customer service, to enhance product offerings and customer experience.</li>
<li>Monitor and report on portfolio performance, providing insights and recommendations to senior management to drive strategic decisions.</li>
<li>Ensure compliance with industry regulations and internal policies, maintaining high standards of governance and risk management</li>
</ul>
 
Knowledge and Experience
<ul>
<li> 12+ years of experience in cards portfolio management or a related field, with a proven track record of driving business growth and achieving targets.</li>
<li>Strong leadership and team management skills, with the ability to inspire and motivate a diverse team.</li>
<li>Excellent analytical and problem-solving abilities, with a data-driven approach to decision-making.</li>
<li>Experience in developing and launching new card products, including credit, debit, and prepaid cards.</li>
<li>Strong understanding of financial metrics and performance indicators, including Net Interest Margin (NIM), Fee Income, Charge-off Rates, Delinquency Rates, Average Spend per Card, Activation Rates, and Customer Retention Rates</li>
<li>Familiarity with card management systems (CMS) and payment processing platforms.</li>
<li>Knowledge of fraud detection and prevention tools, as well as risk management systems.</li>
<li>Understanding of regulatory compliance requirements in the UAE</li>
</ul>
 
Mandatory Skills** 
<ul>
<li>In-depth knowledge of the cards market, industry trends, and regulatory environment.</li>
<li>Proficiency in data analysis and portfolio management tools, Excel, and Tableau.</li>
</ul>

Portfolio Manager

Join PayTech Group and explore 3   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

PayTech Group

ABOUT_COMPANY

Tech PM for BNPL

Cards Product Management Specialist

Portfolio Manager