card product manager

Money Fellows

<div><h3 class="jobSectionHeader">Description</h3><div> 

Money Fellows is transforming how people save, borrow, and invest. As the world&rsquo;s first and largest Money Circles app, we&rsquo;ve digitized the traditional ROSCA model to make it smarter, safer, and more accessible. 
 
Since 2018, we&rsquo;ve empowered over 7 million users to take control of their financial futures with confidence. 
 
About the Role: 
Lead the end-to-end product strategy, development, and performance of the Money Fellows Card Product. 
</div><div>This role owns both the commercial drive (revenue, partnerships, pricing, customer acquisition &amp; usage) and the technical delivery (features, integrations, operational reliability). The Head of Product (Card) ensures the card function grows sustainably by aligning technical roadmap with commercial objectives, engaging cross- 
</div><div>
 
functional teams, and delivering a highly competitive financial product to marke</div> 
<h3 class="jobSectionHeader">
Key Responsibilities</h3> 
<ul>
<li>
Define the long-term vision and product direction for Money Fellows Cards, ensuring alignment with company goals, customer needs, and market dynamics.</li>
<li>Oversee revenue growth, pricing strategy, customer acquisition, card usage, portfolio profitability, and partnerships with banks or financial institutions.
</li><li>Work closely with engineering, operations, and fintech partners to build, release, and optimize card features, integrations, and system performance.</li>
<li>Ensure the card experience (activation, issuance, payments, servicing) is smooth, intuitive, compliant, and aligned with business objectives.</li>
<li>Leverage data insights to drive decisions, refine customer journeys, identify growth opportunities, and enhance product profitability and adoption.</li>
<li>Collaborate with legal, risk, and compliance teams to maintain product compliance with card schemes, payment regulations, and financial standards.</li>
<li>Partner with commercial, engineering, operations, marketing, and finance teams to deliver product targets, resolve roadblocks, and sustain operational excellence.</li></ul> 
<h3 class="jobSectionHeader">
Key Qualifications</h3> 
<ul>
<li>
10+ years of product management experience, including at least 3+ years in a managerial or leadership role.</li>
<li>Strong commercial background with proven experience in driving product growth, pricing strategies, and revenue-focused product execution.</li>
<li>Experience in card products, financial services, payments, or fintech is highly preferred.</li>
<li>Technical background or strong experience working closely with engineering teams.</li>
<li>Experience managing third-party payment providers, card issuers, or banking integrations.</li>
<li>Proven experience using data analysis, KPIs, and OKRs for product decision-making.</li>
<li>Experience managing consumer-facing digital products.</li></ul><div></div><h3 class="jobSectionHeader"> 
Benefits</h3><div> 
We care about your well-being from day one, whether you&rsquo;re a candidate or a team member, by actively fostering a culture of psychological safety where you feel respected, heard, and supported. 
</div><ul><li>Mental Well-being: We prioritize your mental health through open-door policies, skip-level meetings, and thoughtfully designed workspaces that encourage trust and transparency.</li>
<li> Physical Health: Stay active and energized with a gym allowance, healthy office snacks, and monthly consultations with a nutritionist.</li>
<li> Social Wellness: Build meaningful connections through team-building activities, engaging town halls, and collaborative workspaces that inspire innovation.</li>
<li> Financial Empowerment: Enjoy competitive salaries, pension plans, and exclusive employee discounts on our Circles to support your financial stability.</li>
<li> Growth Opportunities: Grow your career through workshops, internal mobility programs, and opportunities for learning and advancement.</li></ul><div> 
</div><div>
Join us and be part of a community that supports every aspect of your well-being and growth.</div> 
<h3 class="jobSectionHeader">
About Money Fellows
</h3><div>Money Fellows is revolutionizing the way people save, borrow, and invest! As the world's first and largest Money Circles app, we've digitized the traditional ROSCA model, making it smarter, safer, and more accessible for over 7 million users since 2018. 
 
Backed by $45M+ in funding and gearing up for $100M Series C, we&rsquo;re scaling fast&mdash;expanding beyond Egypt and launching game-changing financial products. Regulated by the Central Bank of Egypt, we blend community-driven finance with cutting-edge tech to empower users with seamless, secure, and trusted financial solutions. 
 
And now, we&rsquo;ve taken it a step further with the launch of the Money Fellows Card&mdash;unlocking even more financial freedom and flexibility for our users! 
 
We&rsquo;re always on the lookout for trailblazers ready to shape the future of fintech with us!</div></div>

Head of Product

PayTech Group

<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

First Abu Dhabi Bank

Job Description JOB PURPOSE:<ul><li>To increase focus on UAE and International markets and drive commercialization of Corporate Card/Digital Solutions products within these markets, in the Cash Management area within the Global Transaction Services domain.</li><li>The successful candidate will be responsible for product Development, Innovation, Management, and commercialization of Corporate Card/Digital solutions products including Innovative solutions that would drive the Cash Management business in line with agreed target/budget.</li><li>Own the corporate card strategy globally and manage the migrations from existing portfolio to strategic scheme provider as per strategic direction</li><li>Evaluate and drive new partnership opportunities within the Corporate Cards space including identifying innovative and commercially viable opportunities.</li><li>Manage and deliver the Corporate Cards solution and the related P&L across all channels with full capabilities in UAE & International locations.</li><li>Collaborate with key business partners such as card schemes (Mastercard, Visa etc.) to provide ongoing business support and compile regular product performance report for internal monitoring, risk assessment and recommended actions.</li><li>The individual along with the team will be analyse the market size, wallet share and identify growth opportunities including elements of revenue, volume, value etc. through benchmarking the product development, delivery & operations of various aspects of Corporate Card based solutions.</li><li>Work with Channels/IT/Operations/Payment processing partner to ensure that all products are reviewed regularly to ensure the complete functioning and is fit for purpose.</li><li>Drive regional RFPs to ensure that all cards/digital related proposition is joined up and seamless from client perspective, for all international locations.</li></ul> ACCOUNTABILITIES:<ul><li>Actively support the product innovation, development, and management of corporate card proposition by engaging with local and global counterparts to increase the wallet share and client outreach with focus on:<ul><li>Corporate card variants to address Travel & Entertainment, Government, and other corporate expenses.</li><li>Strategic international planning & rollouts</li><li>Drive and manage the partnership with global card schemes, Fintech providers.</li><li>Commercialize existing solution in UAE and international markets as per agreed roadmap & timelines.</li><li>Any futuristic automation of existing propositions and launch of relevant propositions covering embedded finance, virtual cards, Generative and Predictive AI etc.</li><li>Partnership with Fintech providers to significantly enhance corporate card proposition.</li><li>Responsibility for supporting corporate data integration for card data.</li><li>Various Digital payment solutions including but not limited to SmartPoS, mPoS, Wallets, Stored Value Facility (SVF) providers.</li></ul></li><li>Ensure all pricing points are accurate and updated with focus to track and follow revenue growth and prevent revenue leakage. Develop the products/proposition covering aspects of Pricing, appropriate positioning in the market and customer segments including submission and approval from NAWC for new and enhanced product offerings.</li><li>Interact with relevant channels team for end-to-end development & product functioning and ensure that the client touch points and channels related to Payments and related functions.</li><li>Partner in the roll-out of Corporate Cards in close co-ordination with Payment Processing partner and on-board clients through active consultation.</li><li>To conceptualize, develop and deliver customized solutions targeted for niche client segments to generate incremental revenues. Evaluate and recommend new ideas and solutions and deliver bottom line benefit because of understanding product opportunities. These can be on the areas of new proposition, Technology, Regulation, Industry and Market.</li><li>Explore innovative solutions/ideas and projects and identify possible alliance model to work on newer ways of payment processing. These can be in the areas of evaluating and conducting POC with FinTech partners within Payments, Digital Assets, Distributed Ledger Technologies, Artificial Intelligence, or any other initiatives from time to time.</li><li>Work towards supporting continuous improvements in the financial, operational, and service performance of the corporate card products and increase in market share vis-à-vis competition by working around banks' risk and audit principles.</li><li>Drive local regulatory initiatives and ensuring FAB gets a giant share of the market. Represent the bank in various forums like Regulatory bodies, business chambers of commerce in getting valuable insights & implementing the same within FAB.</li><li>Responsible for the Collaterals, website content, go to market strategy and communication strategy of the product launches and commercialization.</li><li>Process review and re-engineering of the existing corporate card products to ensure smooth functioning and derive efficiency.</li><li>Responsible for managing the external vendors to support and enhance the corporate card products from time to time. This will involve agreeing and monitoring service levels and ensuring end-to-end client delight.</li><li>Attend Client Meetings involving complex requirements and own the responsibility of providing 'right solution' to the client. Provide guidance and support to RMs, Sales/Marketing teams for promoting the relevant products.</li><li>Manage & review the Products in line with the Product Life Cycle (PLC) from Business Cases to the actual delivery and commercialization. This will involve management of the UAT and signoff of the same.</li><li>Should be able to independently sketch corporate card strategy for FAB, for Local and international markets.</li><li>Update and keep relevant Product Programs, SOPs, collaterals, website content, 'go to market strategy' and communication strategy of the product launches and commercialization plan in conjunction with the relevant partners.</li><li>To perform other activities as appropriate assigned from time to time by line Manager/Head of Cash Product Management from time to time.</li></ul> Specific Accountability<ul><li>Review existing products and define business requirements for new products.</li><li>Handle end to end transaction flow and liaise between operations and clients for smooth processing of the transactions.</li><li>Work closely with cash product managers to finalize documentation, structures, rollout new payment products and solutions globally.</li><li>Contribute to the identification of opportunities for continuous improvement of products, systems, processes, and practices while considering client needs and market developments.</li><li>Manage proactively the fraud, regulatory and compliance risks in the transactions when developing solutions for clients.</li><li>Ensure we are delivering promised solutions to our clients in professional manners and providing premier service to clients.</li><li>To build up bank transaction banking market profile by organizing or participating in various industry events.</li></ul> Business Fulfilment<ul><li>Focus is primarily on all CCIB, IB & PCG client segments.</li><li>Close liaison with staff from GTB Sales, Magnati, Scheme Operations, Payment Processors, Client Services, Channel Support, (Global) branch network, Relationship Managers, External Service Providers, IT Desk, Operations, Legal, Compliance, In-country operations Risk and other relevant stakeholders in the product Management/Development and commercialisation process.</li><li>Participate in review of service standards, operational process, Product, and service quality to ensure that we meet and exceed the expectations of our clients.</li></ul>Qualifications Minimum Qualification:<ul><li>Degree in Finance, Accounting, Economics, Commerce, or equivalent discipline</li></ul> Minimum Experience:<ul><li>15-18 years of relevant experience in individually driving Product launches, Strategize Product Roadmap and managing P & L.</li><li>A confident self-starter, motivated, with aptitude and willingness to undertake self-learning.</li><li>Should have driven Product Launches individually end to end, including periodic product review.</li><li>Strong P&L management of Interest & fee-based income for the products.</li><li>Must demonstrate a keen interest to learn the business and its processes, to best support our clients.</li><li>Must demonstrate the ability to analyze and understand complex problems, make sound (technical) decisions, provide recommendations, and communicate solutions in a proactive manner.</li><li>Must have excellent verbal and written communication skills and be able to articulate concepts effectively to Business users, operational teams, and technologists at all levels of seniority within the client and the bank.</li><li>Ability to have a consultative approach with IT and business partners within both the bank and the client.</li><li>Experience of Corporate/Commercial Cards/Payments/Collections/Cash Management Product Management area is needed.</li><li>Must have work experience in digital banking channels for newer solutions like Virtual Cards/Virtual Accounts proposition etc.</li><li>Should have strong knowledge of international operating model globally for various corporate card products.</li><li>Knowledge of clearing, settlement and payment, cards systems globally in the countries of FAB's presence.</li><li>Knowledge of ERP/ accounting / Treasury systems used by clients for reconciliation is needed.</li><li>Knowledge about the current automated solutions around Payments is necessary i.e., Digital Payments.</li> . click apply for full job details

Executive Director- Corporate Cards

HugoBank

<div>The Product Lead Credit Cards will be responsible for developing, managing, and scaling HugoBank&rsquo;s Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank&rsquo;s credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank&rsquo;s broader mission. 
Essential Duties and Responsibilities 
Product Strategy &amp; Proposition Development<ul>
<li>
Define and execute the end-to-end product strategy for HugoBank&rsquo;s Credit Card portfolio including secured and unsecured variants aligned with the bank&rsquo;s financial inclusion and lending-first vision.</li>
<li>Develop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users.</li>
<li>Conduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan.</li>
<li>Create and maintain the Credit Card Product Roadmap, ensuring alignment with the bank&rsquo;s overall product evolution and regulatory milestones.</li>
<li>Collaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential.</li>
</ul>
Product Design, Development &amp; Implementation<ul>
<li>
Translate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines.</li>
<li>Develop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.</li>
<li>Coordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management.</li>
<li>Support testing, UAT, and post-launch monitoring to ensure seamless product rollout.</li>
<li>Regularly review customer journeys and feedback to identify friction points and propose design enhancements.</li>
<li>Contribute to the long-term evolution of the bank&rsquo;s credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements.</li>
<li>Support the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.</li>
<li>Assist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank&rsquo;s strategic ecosystem.</li>
<li>Stay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives.</li>
</ul>
Portfolio Management &amp; Performance Optimization<ul>
<li>
Monitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability.</li>
<li>Drive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data.</li>
<li>Develop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history.</li>
<li>Maintain the product P&amp;L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers.</li>
<li>Build and execute campaigns and offers that drive product stickiness and long-term engagement.</li>
<li>Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience.</li>
</ul>
Governance, Risk &amp; Compliance<ul>
<li>
Ensure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies.</li>
<li>Work with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals.</li>
<li>Coordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks.</li>
<li>Conduct periodic risk reviews to identify control gaps and implement corrective actions.</li>
</ul>
Cross-Functional Collaboration &amp; Stakeholder Management<ul>
<li>
Act as the primary product liaison across internal functions &mdash; Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience.</li>
<li>Engage with external partners to ensure seamless delivery and innovation.</li>
<li>Partner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies.</li>
</ul>
Secondary Responsibilities<ul>
<li>
Participate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective.</li>
<li>Liaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes.</li>
<li>Coordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts.</li>
<li>Contribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards.</li>
<li>Ensure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release.</li>
</ul>
Requirements<ul>
<li>
Bachelor&rsquo;s degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory</li>
<li>6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments.</li>
<li>Proven track record of developing and managing credit card products including secured, unsecured, and co-branded variants.</li>
<li>Demonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization.</li>
<li>Exposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments.</li>
<li>Hands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent).</li>
<li>Experience working in banks, fintechs, or card-issuing institutions will be preferred.</li></ul></div>

Products Lead - Cards

<div>
 The Product Lead Credit Cards will be responsible for developing, managing, and scaling HugoBank's Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank's credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank's broader mission.
 
 
 
 Essential Duties And Responsibilities
 
 
 
 
 Product Strategy &amp; Proposition Development
 
 
 
 <ul>
 <li>
 Define and execute the end-to-end product strategy for HugoBank's Credit Card portfolio including secured and unsecured variants aligned with the bank's financial inclusion and lending-first vision
 </li>
 <li>
 Develop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users
 </li>
 <li>
 Conduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan
 </li>
 <li>
 Create and maintain the Credit Card Product Roadmap, ensuring alignment with the bank's overall product evolution and regulatory milestones
 </li>
 <li>
 Collaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential
 
 
 </li>
 </ul>
 
 Product Design, Development &amp; Implementation
 
 
 
 <ul>
 <li>
 Translate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines
 </li>
 <li>
 Develop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation
 </li>
 <li>
 Coordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management
 </li>
 <li>
 Support testing, UAT, and post-launch monitoring to ensure seamless product rollout
 </li>
 <li>
 Regularly review customer journeys and feedback to identify friction points and propose design enhancements
 </li>
 <li>
 Contribute to the long-term evolution of the bank's credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements
 </li>
 <li>
 Support the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation
 </li>
 <li>
 Assist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank's strategic ecosystem
 </li>
 <li>
 Stay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives
 
 
 </li>
 </ul>
 
 Portfolio Management &amp; Performance Optimization
 
 
 
 <ul>
 <li>
 Monitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability
 </li>
 <li>
 Drive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data
 </li>
 <li>
 Develop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history
 </li>
 <li>
 Maintain the product P&amp;L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers
 </li>
 <li>
 Build and execute campaigns and offers that drive product stickiness and long-term engagement
 </li>
 <li>
 Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience
 
 
 </li>
 </ul>
 
 Governance, Risk &amp; Compliance
 
 
 
 <ul>
 <li>
 Ensure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies
 </li>
 <li>
 Work with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals
 </li>
 <li>
 Coordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks
 </li>
 <li>
 Conduct periodic risk reviews to identify control gaps and implement corrective actions
 
 
 </li>
 </ul>
 
 Cross-Functional Collaboration &amp; Stakeholder Management
 
 
 
 <ul>
 <li>
 Act as the primary product liaison across internal functions &mdash; Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience
 </li>
 <li>
 Engage with external partners to ensure seamless delivery and innovation
 </li>
 <li>
 Partner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies
 
 
 </li>
 </ul>
 
 Secondary Responsibilities
 
 
 
 <ul>
 <li>
 Participate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective
 </li>
 <li>
 Liaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes
 </li>
 <li>
 Coordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts
 </li>
 <li>
 Contribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards
 </li>
 <li>
 Ensure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Bachelor's degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory
 </li>
 <li>
 6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments
 </li>
 <li>
 Proven track record of developing and managing credit card products including secured, unsecured, and co-branded variants
 </li>
 <li>
 Demonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization
 </li>
 <li>
 Exposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments
 </li>
 <li>
 Hands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent)
 </li>
 <li>
 Experience working in banks, fintechs, or card-issuing institutions will be preferred
 </li>
 </ul>
</div>

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

Abu Dhabi Islamic Bank - Egypt

<div>
 <ul>
 <li>
 Develop the Cards acquisition strategies to achieve and exceed new card issuance targets.
 </li>
 <li>
 Develop and maintain strong relationships with distribution channels
 </li>
 <li>
 Responsible for developing and executing the partner merchants acquisition plan to ensure offering ADIB cardholders with best in market offers / discounts
 </li>
 <li>
 Design and manage the relations with merchants and responsible for merchant contracts renewals
 </li>
 <li>
 Design and implement clear and efficient processes for card application processing, credit approval, and customer on boarding.
 </li>
 <li>
 Monitor metrics like acquisition cost per card, application conversion rates, approval rates, and new customer spend.
 </li>
 <li>
 Responsible for developing/executing the various marketing/advertising campaigns that helps in driving the various pillars of cards business following cards management strategy.
 </li>
 <li>
 Manage the sales performance of all channels against set targets and come up with initiatives to enhance productivity.
 </li>
 <li>
 Interface with credit risk and operations to ensure that there is a broad understanding of the product processing requirements and meeting business set targets.
 </li>
 <li>
 Enhance sales by providing new acquisition offers, campaigns, boosters and Contest
 </li>
 <li>
 Periodical revise of presented files &amp; assure compatibility with target market &amp; risk requirements
 </li>
 <li>
 Respond to all customer complaints received by complaints unit/branches/call center and ensure proper resolution within the approved turnaround time.
 </li>
 <li>
 Work closely with Risk to implement effective risk management standards and policies that ensure achieving the business plan targets with accepted credit loss.
 </li>
 <li>
 Develop and implement Business Relationship building and acquisitions initiatives.
 </li>
 </ul>
 
 
 
 
 
 Minimum Qualifications:
 
 
 
 Bachelor Degree
 
 
 
 
 
 
 Minimum Experience:
 
 
 
 7 to 9 Years work experience in related field.
 
 
 
 
 
 
 Job specific Skills:
 
 
 
 Good communication skills
 
 
 Good responsiveness and problem solving skills
 
 
 Good Analytical &amp; Negotiation skills
 
 
 Adaptability, innovation, results orientation skills
 
 
 
 
 
 
 Generic Skills
 
 
 
 Good knowledge of computer skills (i.e. Excel, Word, PowerPoint)
 
 
 Fluent Arabic &amp; English ( written &amp; spoken)
 
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