End‑to‑end card technical implementation and productionisation (credit, wallet, commercial).
BIN setup, ICA assignment, and payment scheme certification.
Processor integration expertise.
Digital wallet/tokenisation (MDES, VTS, xPay).
Fluent English communication skills.
Domain Expertise
- Bachelor’s degree in Computer Science, Information Systems, Engineering, or related field.
- 10+ years in payments technology, card issuing/processing, and technical implementation program management.
- Proven track record delivering card product launches (credit, wallet/prepaid, commercial) across multiple markets, ideally GCC/MENA region.
- Deep understanding of card management systems (e.g., PowerCARD, Way4, VisionPLUS, Cortex, Prime), issuer processing, and card lifecycle (issuance → authorisation → clearing → settlement → disputes).
Technical Knowledge
- ISO 8583 / ISO 20022 messaging standards, BIN management, personalisation, tokenisation (MDES/VTS).
- 3DS and digital wallets (Apple Pay, Google Pay).
- PCI‑DSS compliance requirements and security standards for card issuance.
- API‑based integrations, simulator/certification environments, and cloud‑native architectures.
Regulatory & Regional Expertise
- Strong knowledge of SAMA regulatory framework for card issuance and consumer finance.
- Familiarity with payments products, services, CIS processes, and scheme rules.
- Understanding of Shariah‑compliant financial products (preferred).
Industry & Sector Exposure
- Experience working with fintech or BNPL companies highly desirable.
- Exposure to greenfield card program launches (vs. migration/enhancement) preferred.
Tools & Platforms
- Project management tools: JIRA, Confluence, MS Project, or equivalent.
- Testing and certification tools: Payment MIP, scheme simulators, API testing suites (Postman, SoapUI).
