Head of Cards

PayTech Group

1. Product Strategy & Portfolio Management

• Lead the cards strategy to grow spend, retention, and profitability, with focus on platinum and world portfolios.
• Manage the end-to-end product lifecycle including proposition design, features, benefits, and pricing.
• Enhance portfolio performance metrics (activation, spend per card, attrition, profitability) through targeted actions.
• Optimize P&L management by balancing interchange, rewards, fees, and cost structures.
• Design loyalty and rewards programs that drive daily spend and customer stickiness.
• Support sales teams with training, tools, and product knowledge to drive acquisition and usage.
• Recommend promotional campaigns and tactical plans to boost card performance
• Supports monitoring of product performance, post roll-out and helps resolve product or sales issues to ensure continuous product improvement.
• Support in delivery of large programs for clients from initiation to benefit realization
• Successful execution of projects across different clients / businesses, identifying and mitigating risks, solving issues, developing plans and ensuring they are implemented in line with agreed timescales, budgets and quality criteria, including examples of re-aligning scope and objectives during a program to ensure maximum value extraction

2. Digital & Customer Experience

• Champion digital-first journeys for acquisition, servicing, rewards, and customer engagement.
• Enhance mobile and online servicing capabilities for seamless card management.
• Drive fintech, wallet, and lifestyle integrations to increase relevance and usage in the Saudi market.
• Use data and analytics to personalize offers, campaigns, and customer experiences

3. Project & Change Management

• Lead large-scale, cross-functional projects and system migrations with structured governance.
• Oversee timely execution of new product launches, feature upgrades, and process improvements.
• Ensure alignment with Central Bank regulations while delivering speed-to-market innovations.
• Introduce operational efficiencies to reduce turnaround times for onboarding and servicing.

4. Partnerships & Business Development

• Manage relationships with schemes and negotiate portfolio-enhancing partnerships.
• Develop merchant, fintech, and ecosystem partnerships to boost usage and add customer value.
• Build a network of strategic alliances to deliver differentiated offers and exclusive privileges.

5. Leadership & Capability Building

• Act as Head of Cards and supporting the Head of Retail Banking on cards-related topics, taking charge when required.
• Build internal cards expertise by mentoring and training team members.
• Foster a performance-driven culture with KPIs across acquisition, spend, and retention.