Product Owner – Cards & Payments – Digital Banking

Product Owner – Cards & Payments – Banking Location: Riyadh, Saudi Arabia (role can be based full-time in Riyadh; they would consider it if you are travelling from outside Saudi Arabia: 2 weeks in Riyadh and 2 weeks remote from hime per month) The Opportunity We are looking for an experienced Senior Product Owner with strong Cards & Payments domain expertise to join a major digital banking transformation programme. This is not a generalist banking Product Owner position. Candidates must have significant hands-on product experience across Cards and Payments, ideally covering the end-to-end card lifecycle and associated customer journeys. Key Responsibilities - Own the product vision, roadmap and backlog for Cards & Payments capabilities. - Lead product requirements across the end-to-end card lifecycle, from application and issuance through activation, transaction processing, servicing and closure. - Define and prioritise epics, features, user stories and acceptance criteria. - Work closely with Cards, Payments, Operations, Risk, Compliance, Technology and Architecture stakeholders. - Drive digital card journeys across mobile and online banking channels. - Define requirements relating to card authorisation, clearing, settlement, transaction processing and reconciliation. - Support capabilities including card issuance, activation, PIN management, limits, controls, replacement, renewal and dispute management. - Work closely with engineering, architecture, UX, QA and delivery teams throughout the product lifecycle. - Manage dependencies between card platforms, payment systems, core banking and digital channels. - Support UAT, releases and post-production improvements. - Ensure Cards & Payments products meet relevant regulatory, security and compliance requirements. Experience - Strong experience as a Product Owner / Senior Product Owner within Banking. - Significant, recent experience specifically within Cards & Payments. - Strong understanding of the end-to-end card lifecycle. - Experience across debit and/or credit card products. - Knowledge of key card processes including: - Card application and onboarding - Card issuance and activation - Physical and virtual cards - Authorisation and transaction processing - Clearing and settlement - Card controls and transaction limits - PIN management - Card replacement and renewal - Disputes, chargebacks and refunds - Lost/stolen card journeys - Understanding of Visa and/or Mastercard card schemes and associated processes. - Experience delivering digital Cards & Payments capabilities within mobile or internet banking. - Strong experience managing product backlogs and translating business requirements into epics, user stories and acceptance criteria. - Experience working within Agile/Scrum delivery environments. - Strong stakeholder management skills across both business and technology teams. Highly Desirable - Experience with card issuing and/or card processing platforms. - Knowledge of payment gateways, payment switches and payment processing. - Experience with 3D Secure, tokenisation and digital wallets. - Exposure to Apple Pay, Google Pay or similar wallet integrations. - Understanding of PCI DSS and card security requirements. - Experience with APIs, microservices and modern digital banking architectures. - Experience working for a digital bank, challenger bank or major Cards transformation programme. - Previous experience working with clients or teams in Saudi Arabia or the Middle East.

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