DFS Manager- Card Issuing
KEY RESPONSIBILIRIES
Card Portfolio Management (30%)
- 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
- Education: Bachelors Degree 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 Years
