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

  • 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 Requirement

  • 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 (Maximum Of 10)

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.

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.

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.

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.

Cross-Functional Execution

  • 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.

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.

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