Cards Product Manager (Commercial Cards)

Overview

Key Activities

• Own the end-to-end lifecycle of the SME prepaid card/wallet proposition, including CVP design, BIN set up, scheme onboarding, configuration, testing, launch and post launch optimisation.
• Translate the agreed CVP into clear business requirements, product features, pricing structures and servicing models tailored to micro and small business segments.
• Coordinate delivery dependencies across technology, operations, risk, finance, marketing and external partners to ensure a timely and compliant launch.
• Ensure alignment with scheme pricing, regulations and mandates, supporting all certification and compliance activities.
• Develop SME acquisition strategies across business banking channels, digital acquisition routes and partner networks to drive high quality sign-ups.
• Design onboarding and first 90 days customer journeys to maximise activation, first load and early spend.
• Monitor portfolio KPIs (load, spend, active rate, revenue per active, churn, fraud) and recommend targeted commercial or experience improvements.
• Work with finance and business teams to optimise P&L lines including interchange, fees, scheme costs and funding expenses.
• Maintain and evolve a feature roadmap informed by customer insight, competitive intelligence and performance analytics.
• Identify opportunities for segment specific variants (e.g., freelancers, micro retailers, small service businesses).
• Serve as the primary contact for SME/Business Banking teams, delivering product training, sales toolkits and internal communications.
• Produce monthly dashboards and insight packs for senior stakeholders, including scheme partners.
• Support governance routines by tracking milestones, risks, issues and progress.

KPIs

• Monthly and quarterly acquisition of new SME prepaid customers.
• Activation rate within the first 30 days.
• Average load and spend per active account.
• Portfolio revenue growth (interchange, fees, FX, etc.).
• Time to market for new features and enhancements.
• Campaign conversion and ROI.
• Customer satisfaction/NPS for SME prepaid users.
• Operational SLA adherence in onboarding and servicing.
• Fraud and chargeback rates as a share of transactions.

Essential

• 8 10 years of product management experience in cards, prepaid or digital payments, including full lifecycle ownership from ideation to optimisation.
• At least 5 years experience in SME or Business Banking within the UAE/GCC.
• Deep understanding of card issuing settlement, scheme pricing, operational processes and compliance requirements.
• Strong experience in onboarding, activation and spend stimulation strategies.
• High proficiency in analytics (Excel, dashboards; SQL advantageous).
• Proven ability to coordinate cross functional teams and external partners.
• Excellent communication, presentation and stak