Senior Cards Product Manager/ Product Head

Senior Cards Product Manager / Product Head Job Title: Senior Cards Product Manager / Cards Product Head Term: 12 months Location: Dubai Division: Retail Banking / Cards and Payments Reports to: Head of Payments, with dotted line to Advisors Program Lead Relevant Experience12 years+ credit card product management, with HNW or premium segments experience UAE/GCC market experience preferredMandatory RequirementsCredit card product management, with HNW or premium segment experience (GCC or UAE)Purpose of the Project To lead the end-to-end development, launch, and commercialization of three premium HNW credit card propositions – World Elite, Legend, and Legend Exclusive – tailored to affluent customer segments. The role will drive proposition design, go-to-market (GTM) strategy, commercial performance, and campaign execution, ensuring alignment with Islamic banking principles and market‑leading standards. Key Activities Core Responsibilities and Accountabilities Customer Value Proposition (CVP) DevelopmentDesign differentiated CVPs for World Elite, Legend, and Legend Exclusive cards, incorporating lifestyle, travel, and financial benefits. Benchmark against regional and global HNW card offerings (e.g., Emirates NBD Voyager World Elite, Mawarid World Elite). Ensure Sharia‑compliant structuring (e.g., Murabaha, Wakalah).Go-To-Market (GTM) StrategyDevelop and execute GTM plans including launch timelines, channel strategy, and stakeholder alignment. Coordinate with internal teams (Marketing, Compliance, Operations, Legal, Technology) for seamless execution.LaunchExecute the launch of the three products into the market.CommercializationDefine pricing, revenue models, and profitability targets for each proposition. Monitor and optimise product performance through dashboards and KPIs (activation, spend, ENR, retention).Campaign ManagementLead end‑to‑end campaign execution: concept, design, launch, fulfillment, and post‑campaign analysis. Design offers (cashback, rewards, travel perks) and manage vendor relationships for fulfillment. Implement personalization strategies across CRM, digital, and mobile channels.Market Research & Competitive AnalysisConduct market scans to identify gaps and opportunities in the HNW segment. Analyze competitor offerings and customer preferences to inform product features.Risk & ComplianceAlign product features with Islamic banking regulations and internal risk frameworks. Collaborate with Compliance and Legal teams to ensure regulatory adherence.KPIsTime to Market / Revenue for all three products / Duration from CVP finalization to market launch for each HNW card product. Card Activation Rate: Percentage of issued HNW cards activated within the first 30 days of issuance. Spend per Active Card: Average monthly spend per active HNW cardholder, segmented by product (World Elite, Legend, Legend Exclusive). Campaign ROI: Return on investment for acquisition, usage, and engagement campaigns across HNW card products. ENR (Ending Net Receivables) Growth: Growth in ENR per HNW card product, indicating portfolio health and usage. Customer Engagement Metrics: Includes open/click rates, spend lift, and frequency of usage across channels (mobile, CRM, POS).Knowledge & Experience Must‑Have8+ years in credit card product management, with HNW or premium segment experience. Proven track record in CVP design, GTM execution, and campaign management. Strong understanding of Islamic finance principles. Expertise in credit card benefits (e.g., travel perks, concierge, insurance, rewards). Project management and stakeholder coordination skills. Data‑driven decision‑making and campaign analytics.Nice‑to‑HaveExperience with Mastercard World Elite or similar premium card programs. Familiarity with UAE/GCC banking regulations and affluent customer behaviour. Experience in personalization and first‑party data strategies.EducationBachelor's degree in business, Marketing, Finance, or related field. MBA or relevant professional qualification preferred.LanguagesEnglish – fluent Arabic – preferred#J-18808-Ljbffr