Cards Technical Implementation Lead
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Job Summary
Job Title: Cards Technical Implementation Lead
Term: 12 months
Location: Riyadh KSA- onsite
Division: Cards & Payments/ Retail Banking
Relevant experience:10 years in paymentstechnologycardissuing/processing andtechnical implementation
Mandatory requirements:
- Hands-on end-to-end technicalimplementation experience acrossconsumer and commercial cardprograms (credit wallet/prepaid)
- Direct experience with principalmembership setup and ICA enablementwith a major card scheme
- Processor integration experience (-1 issuer processor)
- Knowledge of SAMA regulatoryframework for card issuance andconsumer finance licensing
- Fluent English; immediately available orwithin 30-day notice
Purpose of Project:
A BNPL platform launching mass consumer credit cards wallet-linked prepaid cards and commercial card role embeds a dedicated specialist within the clients KSA technology and product teams to drive the fulltechnical implementation and productionisation of card programs. The KSA market operates under a principalmembership model with the Processor requiring BIN request and setup ICA assignment scheme certification andphysical/digital card launch. For the right candidate this is a rare opportunity to lead a greenfield card launch for ahigh-profile fintech directly shaping how card products reach millions of consumers.
Key Activities
Core Responsibilities and Accountabilities
- Lead the full technical delivery lifecycle across consumer credit wallet linked and commercial card programs forthe KSA market developing and maintaining comprehensive project plans covering BIN request/setup ICAassignment CMS integration processor connectivity and Mastercard scheme certification measured by ontime milestone delivery 90%
- Drive principal membership enablement coordinating ICA assignment membership documentation andregulatory submissions to SAMA ensuring membership is operationally active within the first 8 weeks
- Oversee card productionisation and digital issuance from card design and personalisation through productionfulfilment and digital provisioning ensuring integration with NI processing platform personalization bureau perscheme requirements
- Execute digital wallet and tokenisation launch (Apple Pay Google Pay xPay) including MDES setup tokenisationservices deployment to production 3DS authentication configuration and end-to-end digital provisioning flowvalidation
- Lead scheme certification and quality assurance including MIP testing parametrisation workbook completionpackage configuration SIT/UAT performance testing and security testing ensuring 100% of P1/P2 defectsare resolved prior to go-live
- Manage authorisation authentication and dispute management configuration ensuring post-launchoperational readiness including production incident management initial stabilisation and comprehensivehandover documentation for BAU operations teams.
- Coordinate across all parties Processor personalization bureaus and the clients product technology andcompliance functions facilitating workshops solution design sessions and weekly/monthly governance cadence
KPIs (indicative)
- Card programs technically launch-ready (BIN setup scheme certification within first 3 months)
- Project milestones delivered on-time (Against agreed project plan)
- Critical defects resolved pre-launch / Prior to go-live
- Digital wallet (xPay) provisioning live / Apple Pay Google Pay minimum
- Weekly status reporting & monthly SteerCo cadence
- Stakeholder satisfaction (client feedback) - Quarterly feedback from client Head of Personal Banking
Knowledge and Experience
Domain Expertise:
- Bachelors 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 multiplemarkets ideally in the GCC/MENA region
- Deep understanding of card management systems (e.g. PowerCARD Way4 VisionPLUS Cortex Prime) issuerprocessing and card lifecycle (issuance authorisation clearing settlement disputes)
Technical Knowledge:
- ISO 8583 / ISO 20022 messaging standards BIN management personalisation tokenisation (MDES/VTS) 3DSand 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:
- Strong knowledge of SAMA regulatory framework for card issuance and consumer finance
- Familiarity with Mastercard products services CIS processes and scheme rules
- Understanding of Shariah-compliant financial products is a plus
Industry & Sector:
- Experience working with fintech or BNPL companies is highly desirable
- Exposure to greenfield card program launches ( preferred
Tools & Platforms:
- Project management tools: JIRA Confluence MS Project or equivalent
- Testing and certification tools: Mastercard MIP scheme simulators API testing suites (Postman SoapUI)
MANDATORY SKILLS**
- End-to-end card technical implementation and productionisation (credit wallet commercial)
- BIN setup ICA assignment and Mastercard scheme certification
- Processor integration experience
- Digital wallet/tokenisation (MDES xPay)
- Fluent English; Client working language; Arabic is a plus
Preferred but not mandatory:
- PMP PRINCE2 or equivalent project management certification
- Mastercard Certified Associate or Professional (Dispute Resolution or Fraud Management)
- Arabic language proficiency
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