Associate Technical Product Manager Cards (Issuing/Acquiring)📣 إعلان

About CodeNinja

CodeNinja is seeking to appoint an Associate Technical Product Manager - Cards (Issuing/Acquiring) to join its team in Riyadh. This full-time role offers an opportunity to contribute to significant technology and payment initiatives.

The Role: Associate Technical Product Manager - Cards

The Associate Technical Product Manager will focus on card issuing and acquiring, payment schemes, card technology, payment processing, and digital wallets. The position requires a blend of technical product management expertise, payments domain knowledge, and commercial acumen. Candidates should have experience with major international payment schemes, card processors, payment integrations, and regulatory requirements, coupled with a strong understanding of the complete card lifecycle. The role typically requires 2-4 years of relevant experience.

Key Responsibilities

• Own and drive card product initiatives across issuing and acquiring, from requirements and design through implementation and optimization.
• Manage integrations and certification activities with major payment schemes, including Visa, Mastercard, CUP, JCB, American Express, and Diners Club.
• Coordinate scheme certification, testing, implementation, and compliance activities.
• Drive integrations with digital wallets including Apple Pay and Samsung Pay.
• Manage and optimize card payment journeys across authorization, clearing, settlement, and reconciliation.
• Work closely with technology, engineering, payment processors, schemes, vendors, and business stakeholders to deliver card products and enhancements.
• Define product requirements, business rules, functional specifications, APIs, integrations, and technical dependencies.
• Work with acquiring and issuing platforms, processors, payment gateways, POS systems, and related payment infrastructure.
• Analyze card portfolio performance and identify opportunities to improve profitability, revenue, customer adoption, and operational efficiency.
• Develop and implement strategies to transform underperforming or loss-making card portfolios into profitable businesses.
• Identify new revenue streams and opportunities across card products, acquiring services, merchant services, fees, and value-added propositions.
• Optimize card processing and operational costs while maintaining service quality and regulatory compliance.
• Develop innovative card propositions based on customer needs, market trends, competitive analysis, and payment industry developments.
• Monitor product KPIs, transaction performance, authorization rates, revenue, costs, profitability, and customer adoption.
• Ensure products comply with applicable payment scheme rules, banking regulations, security requirements, and local regulatory standards.
• Support product roadmap development and prioritize initiatives based on business value, customer impact, technical feasibility, and regulatory requirements.

Required Qualifications and Experience

• 2–4 years of hands-on experience in card products, payments, issuing, acquiring, or payment technology.
• Strong practical knowledge of card issuing and acquiring.
• Hands-on experience with one or more major payment schemes, with exposure to:
  • Visa
  • Mastercard
  • China UnionPay (CUP)
  • JCB
  • American Express
  • Diners Club
• Experience with scheme certification and payment scheme integrations.
• Strong experience with Apple Pay and Samsung Pay integrations.
• Good understanding of:
  • Card authorization
  • Clearing and settlement
  • Reconciliation
  • Card processing
  • POS and merchant acquiring
  • Payment gateways
  • Card processors
  • Payment APIs and integrations
• Strong understanding of payment architecture and card technology.
• Experience working with technical and engineering teams on payment integrations and product delivery.
• Demonstrated ability to analyze card portfolio performance and identify opportunities for revenue growth, cost optimization, and profitability improvement.
• Strong understanding of payment-related regulatory and compliance requirements.
• Excellent stakeholder management and communication skills.
• Strong analytical, problem-solving, and product management capabilities.

Preferred Qualifications

• Experience within banks, FinTechs, payment service providers, card issuers, acquirers, or payment processors.
• Experience with card processing platforms and payment switches.
• Knowledge of EMV, 3DS, tokenization, PCI DSS, and digital payment technologies.
• Experience launching new card products or innovative payment propositions.
• Experience working in an Agile product development environment.
• Previous experience in the Saudi/KSA banking or payments market is an advantage.

Benefits

• Competitive compensation package based on experience and qualifications.
• Medical insurance coverage.
• Annual leave in accordance with Saudi labor regulations.
• Annual air ticket allowance.
• Visa sponsorship and relocation support, where applicable.
• Opportunity to work on large-scale enterprise technology and payment initiatives impacting critical business operations.
• Collaborate with high-performing cross-functional teams and industry experts.
• Exposure to modern payment and technology environments, including enterprise-grade platforms, APIs, cloud, and hybrid architectures.
• Work within a fast-paced, innovation-driven organization focused on delivering high-impact technology solutions.
• Opportunity to contribute to strategic technology transformation programs in the region.
• Professional growth and exposure to leading payment technologies, schemes, and FinTech solutions.