VP - Cards Product
Dicetek LLC
Date: 3 weeks ago
City: Abu Dhabi
Contract type: Full time
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
Product Ownership & Strategy
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
- 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
- Cards acquisition and activation rate
- Usage growth (spend per card / transaction frequency)
- Product-level profitability and cost control
- Digital adoption and self-service penetration
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.
- 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.
- 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.
- 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.
- Liaise with key functions including 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.
- 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.
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