Product Manager - Cards (Prepaid, Debit and Credit)

About the role

Comera Pay is looking for a commercially minded, customer-obsessed Product Manager - Cards to lead the design, launch and growth of its prepaid, debit and credit card portfolio. The role covers the full lifecycle, from proposition design and scheme certification through issuance, activation, usage and retirement, working across product, technology, risk, compliance and commercial teams. It suits someone with deep card product knowledge and a track record of shipping profitable, compliant card products in the UAE or a similarly regulated market.

Key responsibilities

• Own the end-to-end card lifecycle: concept, business case, scheme engagement, launch, in-life management and retirement, including roadmap, pricing and P&L.
• Define eligibility, fees, limits, rewards, FX, physical and virtual formats and add-ons, backed by market research and competitor benchmarking.
• Track portfolio KPIs such as acquisition, activation, spend, revenue, delinquency and attrition.
• Lead scheme certification, BIN management, card profiles, velocity limits and MCC controls, and work with issuers, processors and personalization bureaus on compliant issuance.
• Own authorization, clearing and settlement (ISO 8583, stand-in processing, reconciliation), and drive tokenization, wallet provisioning (Apple Pay, Google Pay, Samsung Pay) and virtual card issuance.
• Define 3-D Secure/SCA, fraud monitoring and dispute and chargeback requirements with risk and operations.
• Partner with credit risk on underwriting, limits, interest and fee structures, and embed responsible lending and affordability checks.
• Ensure compliance with CBUAE regulations, scheme rules, PCI-DSS, AML/KYC and sanctions screening, and support audits and regulatory reviews.
• Drive activation, usage and retention through lifecycle journeys and campaigns, and evaluate co-brand, corporate, fintech and wallet partnerships.
• Manage scheme, processor and vendor performance via SLAs and commercial reviews, and lead agile delivery, sprint planning, UAT and release management.

Required profile

• Bachelor's degree in Business, Finance, Technology, Engineering or a related field (MBA preferred).
• 5+ years of product management in fintech, banking or payments, with at least 2 years in card products.
• Proven experience launching and managing prepaid, debit or credit card products, including scheme certification and go-live.
• Strong understanding of card operations, credit risk and digital KYC/AML practices.
• Hands-on experience with issuer processors, tokenization and digital wallet integrations is essential.
• Data-driven decision-maker with experience using analytics tools and A/B testing.

Required skills

• Visa/Mastercard scheme rules and certification, issuer processing, ISO 8583, EMV, contactless and tokenization.
• 3-D Secure/SCA, fraud and chargeback processes, and PCI-DSS obligations.
• Proficiency in Jira, Confluence, Mixpanel and SQL or an equivalent analytics tool.
• Ability to write precise technical requirements for APIs, ledger integrations and event-driven architectures.