Senior Product Manager Emirates Islamic

Job Purpose

• To position Emirates NBD as the most sought-after Merchant Acquiring solution provider and enhance our acquiring capabilities based on client-led demands and VOC for Emirates NBD UAE and KSA.
• Lead integration and certification discussions with existing schemes in UAE and KSA for enablement across POS and Ecom channels.
• Responsible for the scheme Host certifications in UAE and KSA
• Coordinate with schemes for POS terminal certifications vendors in KSA and UAE.
• Work with internal stakeholders to fulfil the contractual obligations for schemes.
• Manage the processing platform requirements
• Engage with schemes to setup internal processes with onboarding, risk and compliance teams.
• Engage with multiple payment gateways to do the necessary scheme certifications.
• Work with the payment gateways to create a smooth onboarding journey for merchants.
• Work with the processor and schemes to set up the workflow for incoming and outgoing files
• Work with Internal IT to create transaction flow for ONUS transactions
• Work with the processor to manage TMS related issues and track the terminal performance regularly.
• Ensure all the necessary plugins , integrations required for payment gateway platform are covered in the product suite.
• Work with schemes on existing Token migration
• Work with the technology partner for creating post onboarding journeys for payment gateway onboarding
• Explore AI capabilities and identify ways to enhance development and testing automation.
• Explore agentic AI and autonomous decision-making tools in product management to accelerate development cycles and improve product quality
• Conduct competitor benchmarking and understand industry trends.
• Keep abreast of new technology disrupting the payments

Job Content

Scheme certification
Ensure all necessary scheme contracts and certifications are completed. Ensure adherence to scheme policies.

• Scheme engagement
• Scheme certification
• Scheme compliance
• Scheme Risk assessment

Product Innovation and Enhancement
Identify payment trends in the market. Ensure integration of new payment methods across POS and Ecom channels.

• Managing Product backlog
• Ensure the product bench marking
• Payment gateway & POS feature enhancements
• Identify Innovative products and new features

Payment Gateway onboarding
Manage end to end Payment gateway discussions. Work with local authorities and partners in KSA to ensure all product requirements re fulfilled.

• Work with processor/technology partner and IT team for payment gateway assessment
• Work with internal teams to design onboarding flow for merchants on Payment gateway channels.
• Design the process flow for all the gateways along with processor/technology partner.
• Design process for payment gateway integration and onboarding

Product Commercialization
Position Emirates NBD as a leading acquirer with competitive product offering in KSA.

• Pricing Templates
• Pricing strategy
• Pricing calculator
• Competitor bench marking

Risk Mitigation
NPPA, Risk Control, Product Governance/ Regulatory environment scanning and reporting.

• Review, evaluate and manage risks, to ensure adherence to the bank s risk framework and wider industry regulations.