Cards Authorisation & Fraud Consultant📣 Job Ad

in Coefficient Alliances & Ventures

about 2 hours ago

	Contract Type	Full-time
	Workplace type	On-site
	Location	Riyadh

About the Role

Coefficient Alliances & Ventures is seeking a seasoned Cards Authorisation & Fraud Consultant for an onsite, full-time engagement in Riyadh, Saudi Arabia. This role is crucial for a leading bank, supported by a Global Cards & Payments Firm, to optimize their credit card operations. The consultant will be instrumental in enhancing authorisation performance, refining fraud controls, and improving overall portfolio health, ensuring a delicate balance between customer experience through high approval rates and robust risk management via effective fraud prevention. This is an initial 12-month contract with a strong potential for extension, offering a significant opportunity to impact a major financial institution within the Kingdom.

Key Responsibilities

Build a comprehensive understanding of the bank’s credit card portfolio, encompassing customer segments, spending patterns, and lifecycle performance.
Lead authorisation optimisation initiatives aimed at improving approval rates across the issuing portfolio while adhering to defined risk thresholds.
Evaluate authorisation declines, analyzing codes, trends, and drivers to identify opportunities for reducing false declines and enhancing the customer experience.
Partner effectively with fraud and risk teams to refine fraud rules and controls without negatively impacting the approval of genuine transactions.
Track and report on key issuing Key Performance Indicators (KPIs), including approval rates, decline rates, fraud rates, and overall portfolio performance.
Deliver data-driven insights and analytics to support informed decision-making across the cards business, risk, and operations teams.
Improve and maintain Management Information System (MIS) dashboards for the issuing portfolio, with a specific focus on authorisation performance and fraud trends.
Act as a key liaison between scheme and issuer stakeholders, including cards business, risk, fraud, and operations teams, to ensure alignment on initiatives and outcomes.
Support the execution of authorisation and fraud optimisation initiatives within the issuing ecosystem.
Establish a governance cadence with stakeholders to monitor performance, track outcomes, and drive continuous improvements.
Collaborate with scheme partners to integrate industry best practices and global insights into the issuing portfolio's strategies.
Drive effective knowledge sharing and capability development within the bank’s cards and fraud teams.

Qualifications and Requirements

A minimum of 10 to 12 years of experience in card issuing, fraud risk management, and authorisation strategy.
A strong understanding of the credit card issuing lifecycle, including activation, usage, retention, and spend growth.
Demonstrated experience in managing authorisation strategies and fraud controls within issuing environments.
Familiarity with authorisation and fraud management platforms.
Proven ability to convert analytical insights into actionable, portfolio-level strategies.
Experience collaborating closely with cards business teams beyond acquisition and sales functions.
Strong stakeholder management skills across risk, fraud, and portfolio teams.
Knowledge of SAMA regulations pertaining to fraud reporting and liability.
Experience with fraud trends specific to the KSA/GCC market.
A solid understanding of balancing compliance requirements with business objectives.

Required Skills

Card Issuing
Fraud Risk Management
Authorization Strategy
Credit Card Issuing Lifecycle Management
Authorization Management Platforms
Fraud Management Platforms
Data-driven Insights and Analytics
MIS Dashboard Development and Management
Stakeholder Management
Knowledge of SAMA Regulations
Understanding of Fraud Trends in KSA/GCC
Compliance Management
Balancing Business Objectives
Communication
Leadership
Teamwork
Problem-solving

Work Environment and Contract Details

This is a full-time, onsite engagement located in Riyadh, Saudi Arabia. The position is initially a 12-month contract with a strong potential for extension, providing a significant opportunity within a leading financial institution.

Requirements

Requires +10 Years experience

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