Platform Owner-Cards

Job Purpose

The Platform Owner — Cards is accountable for the end‑to‑end run and change lifecycle of RAKBANK’s cards technology platforms, including TSYS Prime 4, TSYS Online Authorization, and post‑facto fraud systems, managing them as a strategic internal bank product. The role ensures platform stability, availability, fraud effectiveness, and API‑driven capability exposure in a millisecond‑critical, scheme‑governed environment, while driving continuous evolution to support new card products, digital wallets, tokenisation, contactless payments, and UAE local and international scheme mandates. Acting as the bank’s primary IT authority for cards, the Platform Owner leads specialist engineering and BA teams and represents the platform in business, scheme, and regulatory engagements, balancing operational excellence with forward‑looking innovation to meet the needs of Personal, SME, Commercial, and Corporate banking segments.

What You Will Do:

• Own the full run‑and‑change lifecycle of RAKBANK’s cards platforms (TSYS Prime 4, Online Authorization, post‑facto fraud), managing them as strategic internal products with defined SLOs, SLAs, and uptime KPIs.
• Ensure full compliance with UAE local payment scheme mandates alongside Visa and Mastercard requirements, managing certifications, timelines, and regulatory obligations.
• Drive platform innovation and future readiness to support new card products, digital wallets, tokenisation, BNPL, and emerging payment capabilities at scale.
• Deliver platform capabilities that meet the full needs of Personal, SME, Commercial, and Corporate banking segments, translating business requirements into robust technology solutions.
• Govern and expose cards capabilities through stable, well‑documented APIs, ensuring versioning discipline and protection for consuming channels and squads.
• Lead high‑precision platform operations, including real‑time authorisation health, BCP/DR readiness, major incident management, and root‑cause elimination.
• Oversee post‑facto fraud detection effectiveness, including rule tuning, performance metrics, and alignment with evolving UAE and regional fraud patterns.
• Manage all platform run activities, including patching, releases, PCI DSS compliance, infrastructure coordination, and scheme certification continuity.
• Lead and develop a high‑performance cards platform team with clear ownership, accountability, and continuous capability building.
• Own and report all run‑and‑change KPIs, technical roadmap, and operational efficiency initiatives, ensuring platform readiness ahead of business and programme demand.

What You Will Bring:

• 15+ years in banking technology with at least 5 years in a platform management, product ownership, or senior application management role covering card management systems.
• Hands-on experience with TSYS Prime 4 (or an equivalent enterprise card management platform such as OpenWay WAY4, Compass Plus, or FIS CAMS) is strongly preferred; direct TSYS Prime 4 experience is a significant advantage.
• Deep functional knowledge of card products and operations across the full customer spectrum — consumer credit and debit, prepaid and virtual cards, SME business cards, commercial and large corporate card programmes — and the platform configuration required to support each segment.
• Proven experience managing UAE local payment scheme obligations and mandate delivery — familiarity with Al Etihad Payments, UAESWITCH domestic scheme requirements, and the interoperability framework governing card transactions within the UAE, alongside Visa and Mastercard international scheme management.
• Strong understanding of digital payments innovation — digital wallet integration (Apple Pay, Google Pay), EMV tokenisation, contactless payments, 3DS authentication, open banking card APIs, and BNPL integration.
• Experience managing the post-facto fraud detection capability — including rule management, fraud analytics, detection effectiveness optimisation, and coordination with fraud operations teams.
• Strong understanding of PCI DSS requirements and their operational implications for card platform management and scheme certification.
• Bachelor's degree in Computer Science, Information Technology, or related field.
• Prior experience in the same domain or hands-on familiarity with the specific technologies relevant to this role will be considered a significant advantage during candidate evaluation.

Desired Competencies:

• Cards platform ownership — TSYS Prime 4, authorisation, and fraud detection lifecycle
• UAE local scheme mandate management alongside Visa and Mastercard obligations
• Cards innovation — digital wallets, tokenisation, virtual cards, and segment-specific product capability
• Multi-segment cards domain expertise — personal banking, SME, commercial, and large corporate
• Real-time authorisation platform operations and SLA/SLO governance
• PCI DSS compliance and scheme certification management
• API governance and stable cards platform interface design
• People leadership and cards technology team development