Qualifications

• First degree in Business, Finance, Economics, Technology, or related field — Required
  
• Professional certifications in payments, product management, digital banking — Preferred
  

Work Experience

• 8–12+ years in card products, payments, fintech, or digital banking
  
• Experience with card schemes, processors, BIN sponsorship, and co-branded programs
  
• Experience in product development, commercial analysis, and client engagement
  
• Strong understanding of card platforms, CMS, payment integrations, and regulatory expectations
  

Market Expansion

• Identify and penetrate high-potential niche segments to grow card adoption and drive portfolio diversification.
  
• Conduct market research, competitor mapping, and industry analysis to support expansion strategy.
  

Sales Growth & Lead Generation

• Drive structured lead generation for bulk card issuance across retail, SME, and corporate segments.
  
• Support zonal/regional teams in closing card sales opportunities and meeting revenue targets.
  

Client Engagement & Partnership Development

• Lead client engagements for co-branded card issuance, BIN sponsorship opportunities, and merchant programs.
  
• Provide personalized follow-ups and nurture client relationships to maximize sales and partnership value.
  

Product Development & Innovation

• Define product roadmaps and enhancements across physical, virtual, tokenized, and digital wallet-enabled cards.
  
• Lead design, documentation (BRDs, user journeys), UAT, launch readiness, and post-implementation reviews.
  
• Introduce innovative features such as instant card issuance, virtual cards, tokenization, and digital-first solutions.
  

Portfolio & Performance Management

• Monitor and analyze key performance indicators: active cards, transaction volumes, revenue, spend trends, and attrition.
  
• Recommend product improvements, pricing changes, and campaigns to optimize portfolio performance.
  

Compliance, Risk & Scheme Governance

• Ensure adherence to Visa/Mastercard mandates, CBN regulations, and PCI DSS requirements.
  
• Coordinate fraud monitoring insights, operational risk controls, and policy updates.
  
• Work with Legal, Risk, and Compliance to mitigate portfolio risks.
  

Vendor, Processor & Scheme Management

• Manage relationships with processors, card manufacturers, card schemes, personalization bureaus, and fintech partners.
  
• Ensure performance against SLA/OLA, negotiate commercial terms, and oversee technical integrations.
  

Training & Internal Capability Building

• Deliver product training across regions/zones for RMs, branches, digital support teams, and customer-facing staff.
  
• Conduct product training for corporate clients using specialized card solutions.
  

Cross-Segment Collaboration

• Drive collaboration across CIB, BCB, Personal & Private Clients, Digital Banking, Operations, Fraud, IT, and Marketing.
  
• Embed card solutions within broader customer value propositions.