Leading the card business and operations, driving growth and profitability, enhancing user experiences, and ensure smooth daily operations and payment, schemes reconciliation & settlement, fraud detection, card promotions and card project enhancement and implementation.

• Develop and execute strategy for the card portfolio, ensuring alignment with overall business objectives.
• Lead and manage all aspects of the card business, including product development, project management, marketing, and operations.
• Grow card user base, increase spending, and enhance card profitability through targeted initiatives and innovative strategies.
• Oversee card issuing and embossing operations to ensure timely and high-quality production.
• Manage schemes and general ledger reconciliations to ensure accuracy and compliance.
• Monitor fraud detection processes to maintain zero losses for both the bank and cardholders, implementing preventative measures as necessary.
• Address disputes and complaints efficiently, ensuring customer satisfaction and retention.
• Analyze market trends and competitive landscape to drive innovation and identify new opportunities.
• Foster relationships with key stakeholders, including partners, vendors, regulators, and internal teams, to optimize card offerings.
• Oversee day-to-day card operations, ensuring efficiency, compliance, and exceptional customer service.
• Drive initiatives to enhance user experience and increase customer engagement and satisfaction.
• Lead and mentor the cards team, promoting a culture of excellence

• Bachelor’s degree in accounting, marketing or related fields.
• Proficiency in spoken and written English.
• Minimum 5 years of experience in cards business management and payment processing with commercial banks with at least 3 years of management experience in a complex or fast-paced environment.
• In-depth knowledge of card products, regulations, and market trends, and performance analysis.
• Strong leadership skills with a track record of successfully managing teams and cross-functional projects.
• Knowledge in Card System.
• Strong analytical, problem solving, and strategic thinking abilities, with a focus on data-driven decision-making.
• Excellent communication and interpersonal skills, capable of engaging with senior leadership, cross functional, and external partners.
• Apassion for innovation and a commitment to delivering outstanding customer experiences.