About the Role / About the Job
The Product Manager is responsible for the day-to-day management of prepaid and wallet issuing products in the UAE, including the Universal Account offering. This role encompasses a range of responsibilities from product design through launch and ongoing performance. The ideal candidate will have experience with UAE salary and payroll cards or wallet launches, as well as familiarity with Visa or Mastercard program requirements. This position requires collaboration with various internal departments including Technology, Operations, Risk, Compliance, Legal, Finance, and Sales, as well as engagement with external partner banks. The role is office-based in the UAE with occasional partner meetings.
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Responsibilities
Product Management
- Manage the lifecycle of prepaid cards, payroll and WPS-linked cards, and digital wallets, from concept to retirement.
- Support the launch and growth of the Universal Account, working with partner banks on IBAN and account features.
- Write business and product requirements, user stories, and acceptance criteria for new features and changes.
- Maintain product fee schedules, limits, terms and conditions, and customer-facing product information.
Delivery and Partners
- Coordinate with Technology, Operations, Risk, Compliance, Legal, and Finance to deliver releases on time.
- Manage day-to-day relations with processors, banking partners, schemes, and program managers.
- Run user acceptance testing and lead go-live readiness checks.
Regulatory and Risk
- Ensure products are aligned with CBUAE Stored Value Facilities requirements and Wage Protection System rules.
- Collaborate with Compliance on KYC, AML/CFT controls, customer funds safeguarding, and regulatory reporting inputs.
- Support responses to regulator and audit queries related to issuing products.
Performance and Insight
- Track product KPIs such as active accounts, load volume, revenue per account, and customer complaints.
- Analyze usage and market trends and recommend improvements to the Head of Issuing Products.
- Contribute to the annual product strategy and business plan.
Qualifications
- Education: Bachelor's degree in business, finance, economics, engineering or a related field.
- Experience: 3 to 5 years in payments, cards or digital wallets, ideally in product, issuing or program management.
- Product Skills: Writing requirements, input to roadmap, user acceptance testing, launch management.
- Regulatory Knowledge: Familiarity with Stored Value Facilities regulation, Wage Protection System and payroll card rules, KYC and AML/CFT basics.
- Technical Awareness: Understanding of card processing, tokenization, wallet and IBAN account concepts, APIs.
- Analytical Skills: Proficient in Excel and capable of handling data, dashboards, and business cases.
- Communication: Clear writing and presenting skills in English; Arabic is an advantage.
- Business Analysis: Required to assist in writing BRDs and detailed business requirements.
We are an equal opportunity employer and welcome applications from candidates of all backgrounds, nationalities, and experience levels. We are committed to creating an inclusive workplace where innovation, diversity, and performance thrive.
