Cards Product Manager

Overview

Job Title: Cards Product Manager

Term: 12 months

Location: Muscat, Oman

Division: Cards & Payments (Retail)

Reports to: Cards
- Head of Product

Relevant experience: 6 to 8+ years in product management for debit and/or credit card products within banking, cards, payments, or fintech

Mandatory requirements:

Own and deliver the end-to-end launch and lifecycle management of new debit and credit card products, acting as the central business lead across Marketing, Finance, Technology, Operations, Risk, Compliance, Legal, and external partners. Drive launch readiness and post-launch performance improvements measured through acquisition, activation, spend, profitability, usage, and attrition KPIs.

• Lead the end-to-end launch plan (scope, milestones, dependencies, risks, mitigations) to achieve on-time go-live readiness measured by schedule adherence and launch gating completion.
• Define and manage business requirements and prioritized backlog (user stories / acceptance criteria) to maximize delivered value measured by release predictability and stakeholder acceptance.
• Coordinate cross functional forums (Marketing/Tech/Ops/Risk/Compliance/Legal/Sales/Service) to resolve blockers and align decisions measured by reduced decision latency and fewer critical path slippages.
• Ensure scheme rules, certifications, and dispute requirements are embedded in product design and operating procedures measured by first pass certification outcomes and dispute process compliance.
• Oversee UAT planning/execution, defect triage, and go-live approvals to improve quality measured by UAT pass rate, defect leakage, and post-live incident reduction.
• Define and refine end-to-end operational processes (onboarding, approvals, fulfillment, servicing, and dispute handling) to strengthen customer experience measured by reduced complaints, faster resolution SLAs, and lower dispute ratios.
• Manage external partner delivery (scheme, processor, vendors) including third-party risk considerations and exit/continuity planning measured by SLA adherence and reduced vendor-related incidents.
• Track post-launch performance and run continuous improvement initiatives (pricing/benefits/value proposition/process fixes) measured by acquisition, activation, spend, profitability, usage, and attrition trends.
• Conduct and synthesize secondary market/competitor insights to shape roadmap decisions measured by roadmap hit-rate and uplift in prioritized KPI outcomes

• Time-to-market / time-to-go-live (days from approved scope to launch)
• UAT quality (pass rate; defect leakage to production)
• Acquisition & onboarding conversion (applications approved issued)
• Activation rate (issued first transaction)
• Spend/usage (active cards; purchase volume; frequency)
• Profitability (contribution margin / unit economics)
• Disputes/chargebacks performance (dispute rate; resolution SLA compliance)