SME Payments & Cards

Title:

Experience:10+ years

Job Location: Onsite (Muscat, Oman) Long Term

Offshore Location: (Any Tech M Location) for Initial days for Visa Processing time.

Domain: Banking

NP: Immediate

Role Purpose:

Experience & Skills:

• 10+ years in payments and cards, with hands-on experience in Omani or GCC banking environments will be an added advantage.
• Deep knowledge of CBO regulations, National Payment Systems Law, and digital payments infrastructure.
• Experience in national-level schemes for cards, bill payments, and payment gateway switches, including compliance with ISO 20022 and open banking standards.
• Strong consulting background in payments infrastructure modernization for large financial institutions.
• Excellent analytical, architectural, and stakeholder management skills, with fluency in English (Arabic is an advantage).

Key Responsibilities:

• Map current state architecture and design target state for payments and cards platforms, ensuring alignment with CBOs regulatory frameworks and Oman’s Vision 2040 digitalization agenda.
• Conduct domain decomposition and run workshops to enumerate platform features and future roadmap, including for open banking and instant payments.
• Prepare product assessments, build vs buy decisions, and cost-benefit analyses, considering local market needs and CBO requirements.
• Articulate future trends and “art of the possible” in payments/cards, including digital wallets, e-KYC, and mobile-first solutions as promoted by CBO.
• Coordinate with enterprise architects to drive feasible modernization roadmaps, ensuring compliance with CBO’s National Payment Systems Law and open banking frameworks.
• Define transition and target states for applications in the modernization programme, ensuring robust risk management and consumer protection.
• Support technical architecture, problem-solving, and client relationship management, with a focus on regulatory compliance and operational excellence.
• Assess and recommend automation solutions for reconciliation, exception management, and error reporting, leveraging CBO’s push for digital innovation.
• Lead UAT, training, and change management for payments/cards transformation, with a focus on upskilling Omani staff and knowledge transfer.
• Track KPIs for operational efficiency, error rates, and cost reduction, reporting to management and CBO as required.