Commercial Card Product Lead

Job Title: Commercial Card Product Lead

Term: 12 months

Location: Dubai

Division: Payments 

Reports to: Head of Commercial Cards

Relevant experience: 

1. GCC experience in a large bank handling Corporate Payment Solutions
2. Bachelor's degree (business, finance, engineering, or related field preferred).
3. 7+ years of experience in commercial/corporate card products, corporate payments, or adjacent transaction banking roles.
4. Comfortable operating in complex matrix environments and driving delivery across business, operations, technology, and external partners.
5. Arabic language capability is a plus.
6. Regional experience across GCC/MEA in Commercial Cards and Corporate
   Payments within a large bank. 

Mandatory requirements:

1. Deep familiarity with Mastercard Commercial Card products and capabilities (e.g., virtual card solutions, controls, data/SmartData, and commercial payment enablement).
2. Strong analytical skillset to assess existing product/process set up, identify gaps and opportunities, and translate them into clear, prioritized optimization requests.
3. Proven ability to manage senior stakeholders and cross-functional delivery (Product, Tech, Ops, Risk, Compliance, Finance, and external partners) through to launch and adoption.
4. Excellent written and verbal communication in English; able to produce executiveready materials (product papers, business cases, and performance updates)

PURPOSE OF JOB
To support running and accelerating client's Commercial Cards business across the region by owning product strategy and execution for Mastercard-based commercial card solutions (T&E, purchasing, virtual cards, and value-added services). The role requires deep fluency in Mastercard Commercial products and the ability to assess the current set-up end-to-end and translate findings into a prioritized optimization roadmap.
The role blends product leadership and commercial management: driving new product rollouts, leading regional governance with senior stakeholders (Product, Sales, Risk, Ops, Finance, Technology, and Mastercard), and contributing to portfolio performance management including P&L, revenue levers, and investment prioritization.

TASKS
Product Management:

• Lead end-to-end Commercial Card product lifecycle for client (requirements, design, delivery, testing, launch readiness, and post-launch performance management) in partnership with Mastercard and internal stakeholders.
• Analyze the current commercial card set-up (products, processes, pricing, controls, servicing, reporting, technology, and partner integrations) and raise clear optimization requests with quantified impact and delivery approach.
• Own regional governance to align Product, Sales, Technology, Operations, Risk, Compliance and Finance; manage dependencies and ensure solutions are compliant, scalable, and commercially viable.
• Develop business cases and product papers (including P&L impact, revenue levers, cost/benefit, and risk considerations) to secure approvals and drive prioritization of the product roadmap.
  
  

Business Development:

• Drive portfolio growth across the region (GDV, active usage, new-to-bank acquisition, and revenue), working with Coverage/Sales teams and key client segments.
• Lead commercialization of new and enhanced commercial card propositions (e.g., virtual cards, controls, data/insights, ERP/expense integrations) from concept to launch, including go-to-market and sales enablement.
• Lead senior stakeholder discussions and executive business reviews (client leadership, Mastercard, and priority clients) to align on strategy, roadmap, and performance outcomes.
• Support complex opportunities with solution design, commercial structuring, and proposal development (including pricing, value articulation, and implementation approach) for large corporate and institutional clients.
• Own performance cadence for the portfolio (KPIs, pipeline, and economics) and contribute to P&L
  discussions by identifying actions to improve revenue, yield, and cost-to-serve

Why Join:

• Own and shape the regional roadmap for Commercial Cards within one of the world's leading international banks.
• Partner closely with Mastercard and client's senior leadership to deliver new product rollouts and measurable portfolio growth.
• Drive optimization and performance improvements, contributing directly to portfolio economics and P&L outcomes.