Job Category : Management
Job Code : Retail
Job Name : Manager Card Issuing Credit and Debit cards – M2
Details :

PURPOSE OF JOB

To develop Manage the strategic development and operational functionality of the Bank’s debit and credit cards business in alignment with the Bank’s corporate objectives.
Responsible for maintenance and growth of debit, prepaid and credit card portfolio key revenue metrics (penetration, activation and utilization).
The incumbent will lead and drive digital transformation efforts across the bank for all customer touch points, including cards, online, mobile applications and physical channels i.e. ATMs and Agent network
The incumbent will collaborate with marketing, technology, operations and other internal stakeholders within Retail and other functions (DAC, Product, Branch Network etc.) to establish a common vision and strategies for the Digital transformation driving through a Digital Steering Committee to be established.
Have overall responsibility for the delivery of multiple technologies by ensuring consistency in delivery approach through in country Technology delivery office.

PRINCIPLE ACOUNTABILITIES

To ensure growth of card usage transactions, Incomes for Visa and MasterCard products.
To maximize card profitability by overseeing revenue optimization and cost reduction in the card business.
Implement strategies for growth of debit, prepaid and credit card portfolio key revenue metrics (penetration, activation and utilization).
Maintain industry intelligence in card technology and consumer trends and identify applications to enhance the Bank’s corporate objectives.
Promote customer usage of and migration to debit card channels including design and implementation of programs that promote customer retention and growth.
Manage and execute internal communication regarding cards and card delivery channels to ensure a high level of knowledge in the key areas of customer sales and servicing is achieved.
Build partnerships with MNOs, fintech’s and other third-party service providers to drive business growth and revenue maximization.

FINANCIAL RESPONSIBILITIES

Revenue growth both NFI and NII (credit cards)
Card profitability

INDEPENDENT DECISIONS

Dept. meetings & Job rotation with Card Ops
Staff motivation, discipline, drive to meet targets.

INTERACTION WITH OTHERS

Internal: Regular contact with Branches/Departments, Bank Seniors.
External: Regular liaisons with scheme vendors – Visa, Mastercard, Unionpay, Selcom, Amex etc, and external companies Yalamanchili, TPS

QUALIFICATION AND EXPERIENCE

Bachelor’s degree in Business Administration or any other related field from an accredited college.
At minimum 3 years of experience in managing card products or product management (preferably in banking or finance industries)

TECHNICAL SKILLS/COMPETENCIES

Strong working knowledge and understanding of the electronic payments environment.
Entrepreneurial and commercial thinking
Experience in operating in changing environment
Techy savvy
Excellent communication skills (verbal and written);
Numerical analysis skills: business cases, margin and cash flow analysis;
Ability to write and deliver training courses and materials;
Good interpersonal skills;
Project management skills;
Time management skills;
Analytical skills
Problem solving skills;
Ability to be pro-active with a sense of urgency;
Ability to read, understand and communicate technical documentation; and
Be a self initiative and a motivated person able to work in a fast-paced environment.

OTHER

Carry out work in accordance with the bank’s procedures
Perform the assigned tasks with due diligence.
Eliminate waste of whatever form, suggest the use of new practices and contribute to the continuous improvement of the bank