Commercial Cards Product & Implementation Consultant

About Neostats Analytics:

NeoStats is a new-age, Data & Analytics firm offering contemporary solutions and infinite possibilities. Our mission is to create lasting competitive advantage for our clients by transforming them into world-class, data-driven organizations. Established in 2022 to provide End to End Data & Analytics Services, we are headquartered out of UAE, with bases in India & UK. Comprising of industry veterans, we enable structural transformations in Analytics powered by our expertise, true partnership, and e2e implementation approach.

About the Role

We are seeking an experienced Commercial Cards Product & Implementation Consultant / Business Analyst to support the development, implementation, optimization, and commercialization of Corporate and SME card portfolios for a leading financial institution in Saudi Arabia. This is a hands-on, client-facing role requiring strong expertise in commercial cards, product management, business analysis, technology implementation, User Acceptance Testing (UAT), process design, and portfolio analytics.

The ideal candidate will act as a bridge between business, product, technology, operations, and external vendors, ensuring successful delivery of card-related initiatives from requirements gathering through implementation, testing, production deployment, and commercialization.

Key Responsibilities

1. Commercial Cards Product Development

• Support the development and enhancement of Corporate, SME, Business, and Commercial Card products, including credit and prepaid cards.
• Translate business needs into detailed product, functional, and process requirements.
• Identify gaps in card products, customer journeys, and servicing processes, recommending improvements.
• Support commercial card platform enhancements, onboarding journeys, servicing capabilities, and product configuration.
• Contribute to virtual card solutions, credit-limit management, cardholder management, authorization workflows, and B2B payment initiatives.

2. Business Analysis & Requirements Management

• Gather, analyze, and document business, product, and functional requirements.
• Prepare Business Requirements Documents (BRDs), functional specifications, process flows, and test scenarios.
• Conduct workshops with business, product, technology, operations, risk, and vendor stakeholders.
• Translate business requirements into actionable technology deliverables.
• Manage requirements throughout development, testing, deployment, and post-launch validation.

3. Implementation & Technology Coordination

• Coordinate technology implementation activities across business, IT, operations, and external vendors.
• Track project milestones, dependencies, risks, defects, and implementation progress.
• Identify and resolve implementation challenges to ensure timely delivery.
• Support production deployment, post-launch stabilization, and change management.
• Maintain implementation roadmaps, action trackers, and project status reports.

4. UAT, Testing & Production Readiness

• Develop and execute UAT plans, business test scenarios, and end-to-end testing activities.
• Support testing of commercial card products, onboarding platforms, workflows, and servicing capabilities.
• Identify, document, prioritize, and track defects until resolution.
• Coordinate pilot testing and evaluate product readiness before commercial rollout.
• Ensure operational and technical readiness for product launches and migrations.

5. Client Onboarding & Commercialization

• Support onboarding and migration of Corporate and SME card customers.
• Develop customer segmentation and portfolio prioritization strategies.
• Collaborate with Relationship Managers, product teams, and sales teams to drive product adoption.
• Prepare product FAQs, user guides, sales enablement materials, and onboarding documentation.
• Monitor card issuance, activation, transaction volumes, spend, and customer adoption after launch.

6. Business Cases & Portfolio Analytics

• Conduct commercial card portfolio analysis and identify growth opportunities.
• Develop business cases for new product launches, migrations, and portfolio optimization.
• Analyze transaction volumes, Gross Dollar Value (GDV), revenue, costs, and profitability opportunities.
• Define KPIs and measure commercial performance following implementation.
• Provide data-driven recommendations to support product and portfolio decisions.

7. Operating Model & Servicing Readiness

• Support the development of scalable operating and servicing models for Commercial Cards.
• Define responsibilities across Relationship Management, Cash Management, Operations, Product, and Technology teams.
• Establish escalation procedures, service-level expectations, and governance frameworks.
• Develop operational documentation, process guidelines, and knowledge-transfer materials.
• Ensure servicing capabilities are ready alongside product launches and customer onboarding.

8. Stakeholder & Program Management

• Collaborate with senior banking stakeholders, payment network partners, and technology vendors.
• Coordinate cross-functional activities across Product, Technology, Operations, Sales, Risk, and Legal teams.
• Facilitate project meetings, workshops, and stakeholder discussions.
• Maintain project trackers, KPIs, milestones, risk registers, and management reports.
• Proactively identify delivery challenges and recommend practical solutions.

Required Skills & Experience

• 7+ years of relevant experience in banking, payments, cards, fintech, or financial services consulting.
• Strong hands-on experience with Commercial Cards, Corporate Cards, SME Cards, Business Cards, or B2B Payments.
• Working knowledge of credit and prepaid card products.
• Experience in commercial card product development, implementation, and lifecycle management.
• Strong business analysis skills, including requirements gathering, BRD preparation, functional specifications, and process mapping.
• Proven experience coordinating technology implementations with internal IT teams and external vendors.
• Hands-on experience in UAT, defect management, testing, and production deployment.
• Understanding of card authorization, transaction processing, credit-limit management, and card servicing.
• Experience in corporate client onboarding, product commercialization, and portfolio optimization.
• Ability to analyze portfolio and transaction data and translate findings into business recommendations.
• Strong stakeholder management, project coordination, and communication skills.
• Advanced Microsoft Excel and PowerPoint skills.
• Professional fluency in English.

Preferred Qualifications

• Experience in Saudi Arabia or the GCC banking and payments market.
• Knowledge of commercial card platforms, virtual cards, and digital onboarding solutions.
• Experience working with banks, payment networks, processors, or fintech organizations.
• Exposure to commercial card portfolio analytics, business-case development, and operating-model design.
• Arabic language proficiency is an advantage.
• Bachelor's degree in Business, Finance, Economics, Engineering, Computer Science, Information Systems, or a related discipline.
• MBA or relevant postgraduate qualification is advantageous.
• Certifications in payments, cards, Agile, product management, or project management are desirable.

What we offer:

• Competitive Salary and Benefits
• Opportunity to be part of a fast-paced and growing startup. Grow your career with the company
• Ownership - You will own your initiative and be given specific responsibilities
• Continuous coaching & mentoring – You will have the opportunity to interact and work closely with other senior data scientists and AI experts across the globe.
• Dynamic and respectful work environment – we truly value you.