Card Consulting Program Lead

About the Role

PayTech Group is seeking a Card Consulting Program Lead to oversee a large-scale cards transformation program. This full-time position is based in Riyadh, Saudi Arabia, and requires a senior strategic advisor with hands-on program leadership experience. The role focuses on delivering measurable commercial, operational, customer, and risk-management outcomes across consumer and corporate cards, CVM, analytics, governance, controls, product launch, digital enablement, and portfolio optimization.

Program Leadership and Governance

• Lead the end-to-end delivery of complex cards consulting programs across multiple workstreams.
• Ensure alignment with objectives, timelines, budget, quality criteria, and benefit realization.
• Establish governance routines, including steering committees, working groups, RAID management, escalation, dependency tracking, and executive reporting.
• Translate strategic priorities into an integrated roadmap with clear milestones, owners, and deliverables.
• Resolve risks, issues, and scope changes to maintain execution momentum.

Cards Strategy and Portfolio Management

• Support the execution of cards strategy across consumer, corporate, and SME segments, focusing on spend growth, activation, retention, engagement, profitability, and CVM.
• Monitor portfolio performance across acquisition quality, activation, spend, attrition, profitability, credit performance, digital adoption, and campaign ROI.
• Ensure recommendations balance customer value, commercial economics, operational feasibility, and risk, while adhering to regulatory requirements.

Product, Digital, and Customer Value Delivery

• Oversee product launches, CVP enhancements, feature upgrades, pricing changes, loyalty/rewards improvements, campaign execution, and portfolio interventions.
• Design and improve customer and operational journeys across onboarding, servicing, disputes, controls, campaign execution, portfolio monitoring, and post-launch management.
• Drive digital enablement and customer engagement initiatives to improve usage, experience, adoption, and performance.

Consulting, Analytics, and Business Case Development

• Structure business problems into clear work plans, hypotheses, analytical requirements, and decision-ready outputs for senior leadership.
• Lead market research, benchmarking, customer needs assessment, business cases, revenue projections, and cost-benefit analysis.
• Identify portfolio opportunities, product gaps, customer segments, operational bottlenecks, and performance levers, translating insights into executable plans.

Cross-Functional Execution and Change Management

• Lead cross-functional teams internally within the client organization and with external stakeholders to provide business-focused solutions and recommendations.
• Manage change impacts across people, process, technology, controls, and governance, ensuring readiness before launch and adoption after implementation.
• Support capability building through playbooks, operating routines, training, knowledge transfer, and performance management disciplines.

Risk, Controls, and Stakeholder Management

• Identify delivery, operational, compliance, financial, technology, and customer risks early and maintain effective mitigation actions.
• Ensure deliverables align with business, technical, control, and SAMA regulations.
• Oversee testing, readiness assessments, go-live planning, issue resolution, stabilization, and post-launch performance improvement.
• Act as a trusted advisor to senior client and Mastercard stakeholders through clear executive updates, steering materials, recommendations, trade-offs, and decision support.

Qualifications and Experience

Candidates should possess over 10 years of relevant experience in leading complex programs within the cards and payments industry. The role requires a strategic advisor capable of managing cross-functional teams and engaging C-level stakeholders.