Cards Product Manager (Commercial Cards)

Job Title: Cards Product Manager (Commercial Cards)Term: 12 monthsLocation: DubaiDivision: E & MoneyReports to: Head of Cards (Product)Relevant experience: 8–10 years in product management across cards / prepaid / digital payments, with at least 5 years focused on SME or Business Banking portfolios in the UAE/GCC.Mandatory requirementsProven experience in card issuing and payment processing, with endto‑end experience on product portfolio launch (prepaid or debit).UAE market experience in Small-toMedium Enterprise / Commercial Card segments.Experience coordinating with technology, operations, credit, risk and finance teams on card product launches.Immediately availableProfessional proficiency in English; Arabic preferredPurpose of the ProjectTo design, build, launch and scale client's SME prepaid proposition for micro and small business customers in the UAE, managing the end‑to‑end product lifecycle from initial CVP definition and BIN set‑up through go‑live, commercialization, and ongoing portfolio optimization, in close collaboration with client's internal teams.Core Responsibilities And AccountabilitiesEnd‑to‑End Product Ownership – SME PrepaidOwn the end‑to‑end lifecycle of client's SME prepaid card / wallet proposition – from CVP design, BIN set‑up, scheme onboarding, configuration and testing through launch, commercialization and post‑launch optimization.Translate the agreed CVP into clear business requirements, product features, pricing, and servicing models tailored to micro and small business needs.Launch Execution & Scheme / Processor CoordinationCoordinate across client's technology, operations, risk, finance and marketing teams, as well as Mastercard / Advisors, processors and any fintech partners, to ensure all launch dependencies (BINs, card profiles, limits, KYC/AML flows, settlement, fees) are delivered on time and to specification.Ensure alignment with scheme pricing, mandates and regulations, and support internal teams on any required certifications or compliance activitiesCustomer Acquisition, Onboarding & ActivationDesign and implement SME acquisition strategies for the prepaid proposition across business banking channels (RMs, digital, partners) to drive quality sign‑ups in the micro and small segments.Build onboarding and first‑90‑days journeys that maximise activation, first load and early usage, reducing drop‑off and time‑to-first-transaction.Portfolio & P&L ManagementMonitor portfolio performance across KPIs such as active rate, average load / spend, revenue per active, ENR, churn, and fraud, and recommend actions to improve profitability and sustainability.Work with finance and business teams to review P&L lines for the prepaid issuing business (interchange, fees, funding costs, scheme fees) and ensure financial feasibility of the proposition.Feature Roadmap & CVP OptimizationContinuously enhance the prepaid CVP (features, limits, rewards, digital capabilities) based on customer feedback, competitor benchmarking, and performance analytics.Identify opportunities for segment‑specific propositions (e.g., freelancers, micro retailers, small service businesses) and tailor product variants accordingly.Stakeholder Management & TrainingAct as the primary product contact for Business Banking / SME, coordinating with RMs, sales, service and operations to ensure strong frontline understanding of the product and its value proposition.Design and deliver training sessions and toolkits for internal teams and key partners to support effective selling, onboarding and servicing.Data, Reporting & GovernanceDevelop monthly performance dashboards and insight packs for senior stakeholders at client and Mastercard / Advisors, highlighting trends, issues and recommended actionsSupport governance routines (steering committees, working groups) by tracking and reporting on key milestones, risks, and issue resolution.KPIsNumber of new SME prepaid customers acquired (monthly / quarterly)Activation rate within first 30 days of issuance / sign‑upAverage load and spend per active prepaid accountPortfolio revenue growth % (interchange, fees, FX, etc.)Time‑to‑market for new features / enhancementsCampaign ROI and conversion (from targeted segments)NPS / customer satisfaction for SME prepaid users (Verification Needed)Operational SLA adherence for onboarding and servicingFraud / chargeback rate as a % of transactionKnowledge and ExperienceMust HaveFull lifecycle experience of card / prepaid product management (ideation, design, launch, scaling, optimization).Hands‑on exposure to SME or Business Banking propositions in the UAE/GCC.Understanding of card issuing, settlement, scheme pricing (interchange, fees) and operational processes.Experience in onboarding, activation and spend‑stimulation strategies for card or prepaid portfolios.Strong analytical and reporting skills (Excel, dashboards; SQL or similar is a plus).Proven track record of working with technology, operations, risk, finance and marketing to deliver produc