Senior Product Management Specialist - Cards

Own and execute the Cards product roadmap by leading the end-to-end development of card products. This includes:

• Designing comprehensive Business Requirements Documents (BRDs) and collaborating on UI/UX to effectively communicate card product concepts to stakeholders across technology, operations, and business teams.
• Identifying and documenting card-specific technical and business requirements covering systems such as the Card Management System (CMS), Mobile App, Core Banking/Wallet, and payment schemes and translating them into clear deliverables for technical teams.
• Managing card product performance analysis, issue troubleshooting (including decline rates, authorization failures, and dispute trends), and executing continuous improvement initiatives.
• Supporting the QA team in preparing and executing test cases that cover the full card flow.
• Leading cross-functional collaboration across Customer Care, Sales, Compliance, and Technology to ensure successful card product launches and ongoing lifecycle management.
• Managing the product backlog, sprint planning, and release coordination to ensure timely and quality delivery of card product initiatives.

• Conduct market research on card trends contactless, tokenization, virtual cards, installment plans, and rewards to identify growth opportunities and inform penetration strategies.
• Analyze competitor card offerings across features, fees, credit limits, and UX to assess the company's competitive position.
• Gather customer feedback from Care, Sales, and user research to identify friction points across the card journey and translate them into prioritized functional requirements.
• Define technical requirements for prepaid and credit card initiatives, ensuring correct integration with Card Management System, Core Banking/Wallet, Mobile App, Credit Engine, and payment schemes.
• Develop concepts for new card features and communicate requirements to all concerned teams.
• Lead UAT for card releases, covering the full transaction lifecycle: authorization, clearing, settlement, chargebacks, balance and credit limit enforcement, card management, and card expiry.
• Ensure all card initiatives comply with scheme rules, consumer regulations, and Central Bank requirements, in coordination with all relevant stakeholders.
• Provide Sales and Customer Care with training and direction on card features, issuance, credit limit management, billing, dispute handling, and card controls.
• Monitor Cards KPIs and deliver periodic performance reports with gap analysis and recommendations.
• Perform other duties as assigned by the direct Manager

Qualifications and Education Requirements

• Bachelor’s degree in business administration, Marketing, Information Technology, Business Information Systems, Management Information Systems, Engineering, or a related field.
• 4–6 years of product management experience, with at least 2 years directly managing prepaid and/or credit card products within a fintech, bank, or mobile money environment.
• PMI-ACP, CSM, or PSM (one required)
• PSPO or CSPO (preferred)

Preferred Skills

• Stakeholder management and cross-functional collaboration
• Data analysis and KPI-driven decision making
• Written and verbal communication across technical and business audiences
• Attention to detail in compliance-sensitive environments
• Ownership mentality with a bias toward action