Card Product Manager

Requirements National Diplomas and Advanced Certificates: Business, Commerce and Management Studies (Required) Card Issuing

• Product Ownership & Oversight Own the end-to-end lifecycle for Debit, Credit, Prepaid, Virtual, and Premium/Affluent cards. Lead card materials strategy (PVC, recycled PVC, metal, contactless, tokenization, NFC wearables). Oversee operations & governance for issuing: Personalization/bureau performance, embossing, PIN, fulfillment SLAs. EMV, contactless, tokenization, 3‑D Secure for CNP protection. Card Acquiring
• Product Support & Commercial Enablement Support merchant acquiring across POS, E‑commerce, and QR: Pricing & MDR strategies, interchange optimization, and cost recovery. Merchant value propositions: settlements, reports, chargeback support, fraud tools.. . E‑commerce Business Development (Primary Growth Mandate) Build and execute E‑commerce GTM plan: Target segments: airlines, travel, education, utilities, Fintechs, marketplaces, SaaS/billers, gov’t collections. Create sector‑specific propositions (recurring billing, token vault, pay‑by‑link, subscriptions). Own the sales pipeline: prospecting, solutioning with tech/vendors, pricing, commercial negotiation, contracting. Champion developer & partner enablement: API/SDK readiness, sandbox support, documentation, and integration playbooks. Ecosystem partnerships (PSPs, Payment Gateways, ERP/website builders). Vendor, Scheme & Regulatory Management Manage card and e‑commerce vendors (bureaus, gateways, fraud tools, tokenization, CMS, switch). Govern SLAs, pricing, and service credits; run QBRs. Serve as key contact for Visa/Mastercard/UPI on product approvals, audits, and incentives. Ensure BoU and Absa Group policy compliance (AML/CFT, data, conduct). Financial & Commercial Accountability Deliver P&L outcomes across issuing and acquiring drivers: Interchange, MDR, fee income (issuance, replacement, statements), scheme incentives. Cost lines: plastics, personalization, scheme fees, fraud losses, dispute handling, vendor OPEX. Build business cases and secure approvals for new products, pricing changes, and capex/opex. Any other duties that maybe assigned to you from time to time by the Bank.