Head of Cards

Role Overview

On behalf of a leading financial institution, Charterhouse is seeking a seasoned Head of Cards to spearhead the end-to-end cards business. This is a high-impact leadership role responsible for defining product strategy, accelerating portfolio growth, and managing the total P&L. You will oversee the complete cards technology ecosystem, driving innovation in digital payments while ensuring a world-class customer experience. From product inception to operational excellence, you will lead the bank’s efforts to dominate the cards and payments landscape.

Key Responsibilities

1. Strategic Leadership & Portfolio Growth

Strategy Execution: Develop and implement a robust Cards strategy focused on aggressive portfolio acquisition, activation, and year-on-year spend growth.
Product Lifecycle Management: Lead the full lifecycle of card propositions, including rewards programs, premium co-branding partnerships, and flexible installment solutions.
Innovation & Digital Payments: Drive the adoption of digital payment innovations, including tokenization, mobile wallets, and emerging fintech integrations.

2. Financial & Operational Excellence

P&L Management: Take full ownership of the cards P&L, implementing strategies to maximize profitability while maintaining rigorous cost optimization.
Network & Systems Oversight: Manage critical card management systems (CMS) and ensure seamless integration with global payment networks such as Visa and Mastercard.
Risk & Governance: Oversee fraud and dispute management frameworks, ensuring strict compliance with risk protocols and operational performance standards.

3. Stakeholder & Team Management

Leadership: Lead and develop high-performing, cross-functional teams, fostering a culture of excellence and continuous professional development.
Vendor Partnerships: Manage key relationships with external vendors and technology partners to ensure the delivery of complex product initiatives.
Internal Synergy: Act as a primary liaison between senior leadership, IT, and compliance to align card initiatives with broader organizational goals.

About You: Skills & Competencies

Commercial Acumen: A deep understanding of P&L drivers and the ability to convert market trends into profitable card products.
Technical Expertise: Comprehensive knowledge of card schemes, CMS architecture, and the digital payments ecosystem.
Leadership Prowess: Proven ability to lead large-scale transformations and deliver complex technology and product roadmaps.
Customer-Centric Mindset: A focus on enhancing the end-user journey through intuitive design and innovative payment features.

Qualifications & Experience

Education: A Degree in Business, Finance, IT, or a related field; an MBA is highly preferred.
Professional Experience: A minimum of 15+ years of experience in cards and payments within a banking or financial institution.
Track Record: Proven experience in a senior leadership role with a history of delivering complex product and technology initiatives.
Market Knowledge: Strong familiarity with regional and international payment regulations and digital wallet trends.

Why Join This Institution?

This is an opportunity to join a progressive financial leader that values innovation and strategic thinking. You will benefit from:

Strategic Autonomy: The ability to shape the future of the bank’s digital and physical card business.
Global Exposure: Working at the intersection of local market leadership and international payment network standards.
Inclusive Leadership: A collaborative environment that encourages cross-functional synergy and rewards excellence.

Are you ready to lead the next evolution in digital payments? Apply today to become the Head of Cards.

More information

Job Location : Amman ,United Arab Emirates
City : Amman
Company Name : Charterhouse
Posted: 2 days ago

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To apply for this job please visit www.charterhouseme.ae.