Job Description
Job Title
Card Portfolio Management (30%)
Responsibilities
- Develop and execute strategies to grow the Bank’s card issuing portfolio across retail, SME, and corporate segments.
- Manage the full lifecycle of card products, including product design, launch, enhancement, pricing, and retirement.
- Drive card acquisition, activation, utilization, and retention initiatives.
- Monitor portfolio performance and implement initiatives to increase transaction volumes and fee income.
- Recommend and implement innovative card solutions to address evolving customer needs.
Business Growth & Product Development (20%)
- Develop annual business plans and growth strategies for the card business.
- Identify opportunities for new card products, digital card solutions, and value-added services.
- Drive adoption of virtual cards, contactless payments, tokenization, and other emerging payment technologies.
- Support cross-selling opportunities across retail, SME, and corporate customer segments.
Scheme & Partner Management (20%)
- Manage relationships with card schemes including Visa, Mastercard, UnionPay, and domestic payment networks.
- Coordinate scheme initiatives, product certifications, marketing campaigns, and compliance requirements.
- Engage with technology partners, processors, and service providers to improve card services and customer experience.
- Negotiate commercial arrangements and partnership agreements to optimize value for the Bank.
Operations, Risk & Compliance (10%)
- Oversee card issuance processes, transaction monitoring, settlement, reconciliations, and dispute management.
- Ensure compliance with regulatory requirements, card scheme rules, and internal policies.
- Collaborate with Risk, Compliance, and Fraud teams to strengthen fraud prevention and risk controls.
- Monitor card fraud trends and implement mitigation measures to protect customers and the Bank.
- Ensure timely resolution of operational and customer service issues.
Customer Experience & Service Delivery (10%)
- Develop initiatives to improve cardholder experience and increase customer satisfaction.
- Monitor service levels and turnaround times for card issuance and support.
- Support customer awareness campaigns on card benefits, security, and usage.
- Drive digital adoption through seamless integration of card products with digital channels.
Performance Management & Reporting (10%)
- Monitor key business metrics, including card issuance, activation, transaction volumes, revenue, and profitability.
- Prepare management reports and business performance reviews.
- Track achievement of business targets and recommend corrective actions where required.
- Manage budgets and optimize operational efficiency within the card business.
Minimum Position Qualification Requirements
- Academic & Professional
| Particulars | Detail | Specific Field or Qualification | Need Type |
| Education | Bachelors Degree | Bachelor in Banking/Finance or equivalent | RQ |
| Professional Qualifications | Merchant Acquiring and card background | AA | |
| Masters Degree | Business Administration | AA |
- Experience
| Total Minimum No of Years Experience Required | 6 |
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