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..
    

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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 privacy, 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.