Cards Technical Implementation Lead

• Lead the end-to-end technical implementation of consumer credit, prepaid/wallet, and commercial card programs.
• Manage BIN requests, ICA assignment, processor onboarding, CMS integration, and payment scheme certification.
• Drive principal membership enablement, coordinating with card schemes and ensuring SAMA regulatory compliance.
• Oversee card production, personalization, fulfillment, and digital issuance.
• Deliver Apple Pay, Google Pay, and xPay integration, including MDES tokenization, 3DS configuration, and digital provisioning.
• Lead scheme certification activities, including MIP testing, SIT, UAT, performance testing, security testing, and production readiness.
• Configure authorization, authentication, settlement, and dispute management processes.
• Coordinate cross-functional delivery across processors, personalization bureaus, payment schemes, compliance, product, and engineering teams.
• Manage project governance, risk tracking, milestone reporting, and production stabilization after go-live.

Success Measures

• Successful BIN setup and payment scheme certification within project timelines.
• On-time delivery of technical milestones.
• Zero critical (P1/P2) defects at production launch.
• Successful rollout of Apple Pay, Google Pay, and xPay.
• High stakeholder satisfaction and effective governance reporting.
• Smooth transition to BAU support following production launch.

datory Requirements

• 10+ years of experience in payments technology, card issuing, processor integration, or card implementation programs.
• Proven experience delivering end-to-end technical implementation of:
• Consumer Credit Cards
• Wallet/Prepaid Cards
• Commercial Cards
• Hands-on experience with:
• BIN setup
• ICA assignment
• Principal Membership enablement
• Payment Scheme certification
• Experience integrating with Tier-1 issuer processors.
• Strong understanding of the SAMA regulatory framework for card issuance and consumer finance.
• Fluent English communication.
• Immediate joiners or candidates serving up to a 30-day notice period preferred.

Technical Expertise

• Card Management Systems (PowerCARD, Way4, VisionPLUS, Cortex, Prime, or similar)
• Complete card lifecycle management
• Greenfield card program launches.
• Fintech or BNPL organizations.
• GCC/MENA payments ecosystem.
• Knowledge of Shariah-compliant financial products.
• Arabic language proficiency.