Job Description

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.