Responsibilities:

Develop a deep understanding of the bank’s credit card portfolio, including customer segments, spend behavior, and lifecycle performance

Drive authorization optimization strategies to improve approval rates across the issuing portfolio while maintaining risk thresholds 

Analyze authorization declines (codes, patterns, drivers) and identify opportunities to reduce false declines and enhance customer experience 

Collaborate with fraud and risk teams to optimize fraud rules and controls without negatively impacting genuine transaction approvals 

Monitor and report on key issuing KPIs: approval rates, decline rates, fraud rates, and portfolio performance metrics 

Provide data-driven insights and analytics to support decision-making across cards business, risk, and operations teams 

Enhance reporting dashboards (MIS) for issuing portfolio, focusing on authorization performance and fraud trends 

Act as the interface between Client and issuer stakeholders (cards business, risk, fraud, operations), ensuring alignment on initiatives and outcomes 

Support implementation of authorization and fraud optimization use cases and recommendations within the issuing environment 

Establish governance cadence with stakeholders to track performance, outcomes, and ongoing enhancements

Coordinate with Clients teams to incorporate best practices and global insights into the issuing portfolio

Ensure effective knowledge transfer and capability building within the bank’s cards and fraud teams

Required Skills:

10–12 years of experience in cards issuing, fraud risk, and authorization management

Strong understanding of credit cards issuing business lifecycle (activation, usage, retention, spend growth)

Proven experience managing authorization strategies and fraud controls in issuing environments

Familiarity with fraud and auth platforms 

Ability to translate analytics into actionable portfolio-level interventions

Experience working closely with cards business teams (not just acquisition/sales)

Strong stakeholder management across risk, fraud, and cards portfolio teams

Awareness of SAMA regulations around fraud reporting & liability 

Experience in local market fraud trends (KSA/GCC) 

Understanding of compliance vs business trade-offs