Background information about the job or company:

Reporting to the Head- Card & Payments, the role holder will be responsible for driving the strategic direction, development and management of the card’s portfolio, across card issuing and acquiring.

Responsibilities or duties:

• Define the vision, roadmap, and requirements for card products, aligning them with the bank’s business objectives.
• Stay abreast of global and regional market trends, continuously evolving the card product strategy in line with emerging insights, opportunities and threats.
• Drive card products innovation to continuously enhance the bank’s customer value proposition and competitiveness.
• Oversee the end-to-end lifecycle of card products, including but not limited to debit, credit, virtual and prepaid cards.
• Ensure the bank’s product offerings meet scheme, regulatory requirements and industry standards.
• Collaborate with cross-functional teams to deliver seamless card products enhancements, new products including their go-to-market strategies.
• Leverage Visa programs and incentives to stimulate business growth.
• Be unreasonable about customer experience across our card products and all fulfillment touchpoints including but not limited to ATMs, POSs, and online.
• Monitor customer feedback and market trends to continuously improve product offerings and fulfillment thereof.
• Implement customer retention and loyalty programs to increase product usage and satisfaction.
• Partner with customer experience, business technology and operations to ensure customer queries and issues are attended to and resolved promptly.
• Collaborate with cross-functional teams to ensure efficient and secure processing of card transactions.
• Manage relationships with schemes, card fulfillment providers vendors, and partners to optimize service delivery.
• Champion risk management and compliance related to card operations.
• Lead the planning and delivery of ongoing internal cross-functional teams upskilling.
• Develop, manage and drive the realization of card portfolio revenue and cost budget.
• Daily monitoring of the card portfolio performance, implementing timely interventions to achieve revenue and profitability targets.
• Conduct financial analysis and reporting to support decision-making.

Qualifications or requirements:

• Bachelor’s Degree preferably in Business, Commerce and/or Management Studies.
• Scheme product, commercial, operations and risk management.
• Solid demonstrable understanding of key product marketing principles.
• 7-8 years’ experience, 5 of which should be in card management incl. operations.
• Strong practical knowledge of schemes incl. Visa and Mastercard compliance requirements and regulations.
• Understanding of key business drivers and ability to drive business output.
• Demonstrated experience interpreting and implementing schemes incl. Visa and Mastercard rule changes.
• Advanced forecasting, pricing and business modeling.
• Good computer knowledge especially spreadsheets and databases, word and PowerPoint.
• Familiarity with PCI-DSS, EMV chip technology, 3D Secure, tokenization, contactless payments, and payment security standards.
• Understanding of chargeback management processes and dispute resolution procedures.
• Good interpersonal skills to work with other teams for implementation of activities.
• Business and Industrial awareness.
• Team player and ability to work with minimum supervision.
• Solutions oriented mindset.

• Define the vision, roadmap, and requirements for card products, aligning them with the bank’s business objectives.
• Stay abreast of global and regional market trends, continuously evolving the card product strategy in line with emerging insights, opportunities and threats.
• Drive card products innovation to continuously enhance the bank’s customer value proposition and competitiveness.
• Oversee the end-to-end lifecycle of card products, including but not limited to debit, credit, virtual and prepaid cards.
• Ensure the bank’s product offerings meet scheme, regulatory requirements and industry standards.
• Collaborate with cross-functional teams to deliver seamless card products enhancements, new products including their go-to-market strategies.
• Leverage Visa programs and incentives to stimulate business growth.
• Be unreasonable about customer experience across our card products and all fulfillment touchpoints including but not limited to ATMs, POSs, and online.
• Monitor customer feedback and market trends to continuously improve product offerings and fulfillment thereof.
• Implement customer retention and loyalty programs to increase product usage and satisfaction.
• Partner with customer experience, business technology and operations to ensure customer queries and issues are attended to and resolved promptly.
• Collaborate with cross-functional teams to ensure efficient and secure processing of card transactions.
• Manage relationships with schemes, card fulfillment providers vendors, and partners to optimize service delivery.
• Champion risk management and compliance related to card operations.
• Lead the planning and delivery of ongoing internal cross-functional teams upskilling.
• Develop, manage and drive the realization of card portfolio revenue and cost budget.
• Daily monitoring of the card portfolio performance, implementing timely interventions to achieve revenue and profitability targets.
• Conduct financial analysis and reporting to support decision-making.

• Scheme product, commercial, operations and risk management.
• Solid demonstrable understanding of key product marketing principles.
• Strong practical knowledge of schemes incl. Visa and Mastercard compliance requirements and regulations.
• Understanding of key business drivers and ability to drive business output.
• Demonstrated experience interpreting and implementing schemes incl. Visa and Mastercard rule changes.
• Advanced forecasting, pricing and business modeling.
• Good computer knowledge especially spreadsheets and databases, word and PowerPoint.
• Familiarity with PCI-DSS, EMV chip technology, 3D Secure, tokenization, contactless payments, and payment security standards.
• Understanding of chargeback management processes and dispute resolution procedures.
• Good interpersonal skills to work with other teams for implementation of activities.
• Business and Industrial awareness.
• Team player and ability to work with minimum supervision.
• Solutions oriented mindset.

• Bachelor’s Degree preferably in Business, Commerce and/or Management Studies.
• 7-8 years’ experience, 5 of which should be in card management incl. operations.