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 experience:

12 years credit card product management with HNW or premium segments experience
UAE/ GCC market experience preferred

Mandatory requirements:

Credit 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) Development

Design 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) Strategy

Develop and execute GTM plans including launch timelines channel strategy and stakeholder alignment. Coordinate with internal teams (Marketing Compliance Operations Legal Technology) for seamless execution.

Launch

Execute the launch of the three products into the market

Commercialization

Define pricing revenue models and profitability targets for each proposition.
Monitor and optimize product performance through dashboards and KPIs (activation spend ENR retention).

Campaign Management

Lead 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 Analysis

Conduct market scans to identify gaps and opportunities in the HNW segment.
Analyze competitor offerings and customer preferences to inform product features.

Risk & Compliance

Align product features with Islamic banking regulations and internal risk frameworks.
Collaborate with Compliance and Legal teams to ensure regulatory adherence.

KPIs

Time 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 and Experience

Must-Have:

8 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-Have:

Experience 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.

Education

Bachelors degree in business Marketing Finance or related field.
MBA or relevant professional qualification preferred.

Languages

English (fluent)
Arabic (preferred)

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Senior Cards Product Manager Product Head