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.