Credit Cards Subject Matter Expert

We have an urgent requirement for Credit Cards Subject Matter Expert (Core Banking Transformation) in Banking Domain  for one of our banking client in Abu Dhabi, UAE

Act as a Subject Matter Expert (SME) for Credit Card products, lifecycle management, business processes, and banking integrations---Must

Work with card management platforms such as VisionPLUS, PRIME, TSYS, Way4, or PowerCARD, along with Oracle Database, SQL, Java, JavaScript, SOAP, and Postman--Must

Design and govern integrations between card management systems, Core Banking, GL, CRM, Fraud, AML, AECB, and digital channels while aligning with BIAN architecture and API-led ecosystems.--Must

Ensure compliance with Visa, Mastercard, PCI DSS, CBUAE regulations, EMV, ISO 8583, 3-D Secure, tokenization, and digital wallet ecosystems (Apple Pay, Google Pay, Samsung Pay).--MustLead card migration, data conversion, SIT/UAT, scheme certification, cutover planning, reconciliation, and post-go-live hypercare during core banking and card platform transformation programs.--Must

Role Purpose

The Credit Card Subject Matter Expert provides end-to-end functional and technical expertise across the credit card lifecycle. The role ensures the cards platform integrates cleanly with the new core and surrounding systems through modular, BIAN-aligned capabilities, while meeting scheme, PCI DSS and CBUAE requirements.The SME shapes requirements, product configuration, integration and migration for the cards portfolio, and guides the programme through scheme certification, testing and cutover.


Key Responsibilities
Card Lifecycle and Product Design Define requirements across card acquisition and issuance, account management, authorisation, clearing and settlement, billing, statements, collections, rewards and loyalty, and disputes and chargebacks. Govern card product setup, including pricing, interest, fees, credit limits, instalment plans and balance transfer features. Ensure product design meets CBUAE consumer protection and fee regulations. Core Banking Transformation |
 Integration and Architecture Design integration between the card management system and core banking, General Ledger, CRM, fraud, AML, credit bureau (AECB) and digital channels. Align card capabilities with BIAN service domains such as Credit Card, Card Authorization, Card Clearing, Card Collections and Card Case. Define real-time and batch interfaces, including authorisation, posting, settlement and reconciliation flows.Schemes, Compliance and Security Manage Visa and Mastercard mandates, scheme releases and certification activities. Ensure PCI DSS compliance, tokenisation and secure handling of card data. Support 3-D Secure, digital wallets (Apple Pay, Google Pay, Samsung Pay) and card controls.Migration, Testing and Cutover Define card data migration and conversion rules for accounts, cards, balances, rewards and open disputes. Coordinate SIT, UAT, scheme certification and end-to-end testing. Support cutover planning, execution and hypercare. Use AI-assisted requirement analysis, scenario generation and defect analysis with appropriate review.Qualifications and Experience Bachelor's degree in Business, Finance, Computer Science or a related field. 10-15+ years in credit cards within banking, covering both business and technology aspects. Experience in a large core banking or cards platform transformation or migration. UAE or GCC cards market experience preferred, including familiarity with AECB and local regulations.Technical Skills Card management systems such as Way4, HPS PowerCARD, TSYS, Euronet or equivalent. Visa and Mastercard scheme rules, ISO 8583, EMV, 3-D Secure and tokenisation. PCI DSS requirements and controls. Card fraud, authorisation and dispute management processes. Understanding of BIAN card service domains and API-led integration.Preferred Certifications PCI Professional (PCIP). Accredited Payments Risk Professional or equivalent payments certification. Scheme training from Visa or Mastercard.Behavioural Competencies Strong business and customer orientation. Ability to translate complex scheme and product rules into clear requirements. Stakeholder management across business, operations and vendors. Attention to compliance and control.Core Banking Transformation |Success Measures Scheme certification achieved on schedule. Card migration completed with full reconciliation of balances and accounts. Authorisation approval and availability rates after go-live. No PCI DSS or scheme compliance findings. Reduction in card-related incidents and disputes during hypercare.