وظيفة مالك منتج للبطاقات والمدفوعات المصرفية الرقمية شاغرة لدى Strike IT Recruitment Services بالرياض

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.