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.

Desired Candidate Profile

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. Employment Type Contract

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