DFS Manager- Card Issuing

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

1. Academic & Professional

1. Experience