Cards Product Manager

PayTech Group

Key Activities
Core Responsibilities and Accountabilities

• Lead the end-to-end launch plan (scope, milestones, dependencies, risks, mitigations) to achieve on-time go_x0002_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
  
  

KPIs

• 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)

Knowledge and Experience

• Card transaction lifecycle knowledge (authorization clearing settlement) and operational impacts on product performance.
• Scheme dispute/chargeback lifecycle knowledge, including process steps and governance expectations.
• PCI DSS fundamentals for payment account data protection and secure operating practices.
• EMV ecosystem and certification/testing concepts to support chip/contactless product deployment and acceptance readiness.
• Third-party/vendor risk management fundamentals for critical service delivery dependencies in financial services.
• EMV Payment Tokenisation concepts and use cases for digital enablement and PAN risk reduction.
• EMV 3-D Secure (3DS) knowledge for e-commerce authentication and fraud/approval performance optimization.
• Familiarity with Central Bank of Oman payments oversight priorities and published payments/fintech policy landscape (including tokenization guidance references).
• Experience working with Mastercard and/or processors and managing scheme certifications and delivery forum