Products Subject Matter Expert (Cards)

Job Summary

The Products Subject Matter Expert (SME) – Cards is responsible for providing deep functional and domain expertise across card products, including credit, debit, and prepaid cards. The role supports product development, operations, technology, compliance, and business teams by ensuring product accuracy, regulatory compliance, operational readiness, and seamless execution across the card lifecycle.

Key Responsibilities

Product Expertise & Ownership

• Act as the subject matter expert for card products (credit, debit, prepaid), covering features, pricing, billing, rewards, disputes, chargebacks, and lifecycle management
• Provide expert guidance on card product structures, customer journeys, and end-to-end processes
• Support product managers with product enhancements, launches, and ongoing optimization

Stakeholder Collaboration

• Partner with Operations, Technology, Risk, Compliance, Legal, Marketing, and Customer Service teams
• Translate business requirements into functional specifications and support system implementations
• Serve as the key point of contact for resolving complex product or process-related issues

Compliance & Risk Management

• Ensure card products comply with regulatory requirements, network rules (Visa, Mastercard, RuPay, Amex, etc.), and internal policies
• Support audits, regulatory reviews, and issue remediation related to card products
• Monitor product risks, customer complaints, and operational incidents

Product Lifecycle & Change Management

• Support end-to-end product lifecycle including onboarding, issuance, usage, billing, disputes, renewals, upgrades, and closures
• Lead or support change initiatives such as pricing updates, rule changes, system upgrades, and new feature rollouts
• Conduct impact assessments and readiness reviews for product changes

Data, Insights & Performance

• Analyze product performance, customer behavior, and operational metrics
• Identify opportunities to improve customer experience, profitability, and operational efficiency
• Support development of dashboards, MIS, and management reporting

Training & Knowledge Enablement

• Act as a knowledge resource for internal teams on card product features and processes
• Support development of training materials, SOPs, FAQs, and job aids
• Conduct product training sessions for business and support teams

Key Skills & Competencies

• Strong domain expertise in card products and payments
• In-depth understanding of card lifecycle, billing, disputes, chargebacks, and settlements
• Knowledge of card network rules and regulatory requirements
• Strong analytical, problem-solving, and decision-making skills
• Excellent communication and stakeholder management abilities

Qualifications

• Bachelor’s degree in Business, Finance, Technology, or related field
• 5–8+ years of experience in cards product management, cards operations, or payments domain
• Hands-on experience with card management systems and payment platforms

Preferred Experience

• Experience working with card networks (Visa, Mastercard, RuPay, Amex)
• Exposure to digital payments, tokenization, contactless, or wallet integrations
• Experience in banking, fintech, or payment service providers