We are seeking a highly experienced Subject Matter Expert (SME) in Credit and Debit Cards to join our team in a strategic business consulting capacity. This role requires deep expertise in the end-to-end card's ecosystem including product strategy, issuing/acquiring, operations, risk management, and digital enablement combined with the ability to translate business needs into actionable technology and process solutions. The ideal candidate will work with stakeholders across business, operations, and IT to deliver transformative projects in the card payments space.

Required Skills:

• 10+ years of experience in credit and debit card operations, product management, or consulting within the banking/financial services industry.
• Deep expertise in card lifecycle management: from issuance to usage dispute resolution, and chargebacks.
• Experience working with card networks (Visa, Mastercard, Amex, RuPay) and payment processors.
• Strong understanding of authorization flows, risk controls, fraud management, and payment infrastructure (switches, host systems, EMV, etc.).
• Proven track record in business consulting, process reengineering, and solution design for card programs.
• Solid knowledge of card regulations, compliance mandates, and industry standards.
• Excellent communication, stakeholder management, and project leadership skills.

Key Responsibilities:

• Serve as the primary advisor and domain expert for all aspects of credit and debit card products, systems, and operations.
• Lead the business analysis, strategy design, and solution development for initiatives across card issuance, transaction processing, authorization, clearing, settlement, and dispute management.
• Drive product enhancements and innovations in line with market trends, regulatory changes, and evolving customer expectations (e.g., contactless, tokenization, digital wallets).
• Liaise with card networks (Visa, Mastercard, RuPay, etc.), processors, and core banking teams for system integration and compliance.
• Collaborate with cross-functional teams (IT, fraud, risk, customer experience) to implement card-related solutions and operational improvements.
• Analyze current card program performance and recommend enhancements to increase profitability, reduce fraud, and improve customer engagement.
• Develop business cases, requirement documents, and support UAT and go-to-market strategies for new initiatives.

Job Location - Riyadh, Saudi Arabia