Card Consulting Program Lead

Job Title: Card Consulting Program Lead

Term: 12 months

Location: Riyadh KSA

Relevant experience:

• 15yearsexperienceinconsultingprogrammanagementpayments/cards orfinancial servicestransformation.
• Proven delivery of complexmulti-workstreamprograms from strategythrough execution andbenefit realization.

Mandatory requirements:

• Senior consulting and programleadership experience including problem
  structuring C-level stakeholdermanagement governancerisk/dependency managementanalytics-led decision-making andexecution oversight.
• Knowledge in cards CVM productlaunch digital banking and SAMAregulations.
• English and Arabic proficiency ismandatory.

Purpose of Job:

The Cards Consulting Program Lead will oversee the end-to-end delivery of a large cards transformation programcovering consumer and corporate cards CVM analytics governance controls product launch digital enablement and
portfolio optimization. The role requires a senior strategic advisor and hands on program lead who can managecross-functional teams engage C-level stakeholders and ensure delivery of measurable commercial operationalcustomer and risk-management outcomes.

TASKS
Core Responsibilities and Accountabilities
1. Program Leadership and Governance

• Lead end-to-end delivery of a complex cards consulting program across multiple workstreams ensuringalignment to objectives timelines budget quality criteria and benefit realization.
• Establish governance routines including steering committees working groups RAID management escalationdependency tracking and executive reporting.
• Translate strategic priorities into an integrated roadmap with clear milestones owners and deliverableswhile resolving risks issues and scope changes to maintain execution momentum.
  

2. Cards Strategy and Portfolio Management

• Support execution of cards strategy across consumer corporate and SME segments with focus on spendgrowth activation retention engagement profitability and CVM.
• Monitor portfolio performance across acquisition quality activation spend attrition profitability creditperformance digital adoption and campaign ROI.
• Ensure recommendations balance customer value commercial economics operational feasibility and riskwhile adhering to regulatory requirements.
  

3. Product Digital and Customer Value Delivery

• Oversee product launches CVP enhancements feature upgrades pricing changes loyalty/rewardsimprovements campaign execution and portfolio interventions.
• Design and improve customer and operational journeys across onboarding servicing disputes controlscampaign execution portfolio monitoring and post-launch management.
• Drive digital enablement and customer engagement initiatives that improve usage experience adoption andperformance.

4. Consulting Analytics and Business Case Development

• Structure business problems into clear workplans hypotheses analytical requirements and decision-readyoutputs for senior leadership.
• Lead market research benchmarking customer needs assessment business cases revenue projections andcost-benefit analysis.
• Identify portfolio opportunities product gaps customer segments operational bottlenecks and performancelevers translating insights into executable plans

5. Cross-Functional Execution and Change Management

• Lead cross-functional teams internally within the client alongside external stakeholders to provide businessfocused solutions and recommendations that drive client value.
• Manage change impacts across people process technology controls and governance ensuring readinessbefore launch and adoption after implementation.
• Support capability building through playbooks operating routines training knowledge transfer andperformance management disciplines.

6. Risk Controls and Stakeholder Management

• Identify delivery operational compliance financial technology and customer risks early and maintaineffective mitigation actions.
• Ensure deliverables align with business technical control and SAMA regulations.
• Oversee testing readiness assessments go-live planning issue resolution stabilization and post-launchperformance improvement.
• Act as a trusted advisor to senior client and Mastercard stakeholders through clear executive updatessteering materials recommendations trade-offs and decision support.

Knowledge and Experience

• 1520 years relevant experience combining consulting payments/cards financial services transformation andsenior program delivery.

• Proven ability to lead complex multi-stakeholder programs from strategy through governance execution launchand benefit realization.
• Strong cards expertise across consumer corporate and SME segments including portfolio management CVMproduct launch loyalty digital servicing analytics and performance optimization.
• Excellent consulting analytical and communication skills including problem structuring business casedevelopment and C-level stakeholder engagement.
• Demonstrated experience managing cross-functional delivery risks dependencies controls and change acrossbusiness technology operations risk compliance and analytics teams.
• Knowledge of SAMA regulations and regional payments trends.
• Bachelors degree required; Masters degree and PMP PRINCE2 Agile Scrum or equivalent certification arepreferred.
• Arabic and English proficiency is mandatory.