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Job Description & How to Apply Below
Unit Head - Cards Issuing & Acquiring Operations is part of a dynamic organization focused on delivering high-quality banking operations and service
s.
About the
Role
The role holder will be responsible for strategic, operational, and people leadership of the unit, ensuring efficient delivery of banking operations, compliance with regulatory and internal policies, and high-quality service outcomes. Also managing the unit to execute a wide spectrum of defined banking operations processes with high standards of accuracy, and service delivery. The role oversees end‑to‑end functional ownership of Credit Cards Operations, ATM Operations, Prepaid Operations, Commercial Cards Operations, Interchange & Settlement Operations, General Ledger Reconciliations, GST Operations, Cash Management Operations, and Merchant Enablement Operations.
The role demands strong ownership of performance, process excellence, risk management, and stakeholder engag
ement.
Responsi
bilities
Support organizational strategy by translating business requirements into operationa
l actions.
Drive key initiatives related to operational excellence, digital transformation, customer experience, and cost opt
key performance indicators and present insights, reports, and recommendations to senior m
anagement.
Lead and oversee the end‑to‑end lifecycle management of a portfolio of ~3 million cards and allied card products, ensuring accuracy, compliance, and seamless customer e
xperience.
Provide strategic and operational direction for a merchant ecosystem of 2 lakh+ merchants, covering application onboarding, MID/TID generation, rental recovery, settlement processing, payments, hold/release decisions, dispute management, and MDR g
overnance.
Oversee ATM/CRM terminal reconciliation and exception management, ensuring accurate financial accounting, timely issue resolution, and alignment with regulatory and network req
uirements.
Manage the complete lifecycle of Multi‑Currency/FX Cards across Retail and FFMC models, including loads, reloads, settlements, reconciliation, and control
adherence.
Lead centralized Accounts Payable, Accounts Receivable, GST operations, General Ledger monitoring, and related reconciliation systems, ensuring strong control frameworks and timely financial
reporting.
Drive governance across internal processes and outsourced activities by managing vendors, defining SLAs, monitoring performance, and strengthening risk mitigation f
rameworks.
Maintain strong knowledge of RBI regulations, Master Card/Visa/NPCI rules, and ISO 9001 standards, ensuring full compliance across all operational
processes.
Maintain a zero‑tolerance environment for errors by ensuring NIL operational lapses, prompt root‑cause analysis, and mitigation of financial and reputatio
nal risks.
Champion an audit‑focused culture by continuously strengthening controls, closing audit observations, and enhancing operational r
esilience.
Continuously monitor and identify emerging trends, risks, and process gaps, taking end‑to‑end ownership of issue resolution and long‑t
erm fixes.
Conduct periodic reviews of operational workflows to drive simplification, digitization, and automation resulting in measurable improvements in turnaround time, cost savings, and e
fficiency.
Drive cost rationalization, resource optimization, and operational synergies across functions through data‑driven insights and performanc
e metrics.
Regularly evaluate processes to strengthen internal controls, enhance automation coverage, and ensure scalable and resilient o
and manage a diverse team, ensuring clarity of roles, objectives, and performance exp
the ability to think long‑term, anticipate risks, and align operational delivery with organizational
data‑driven decisions, balancing customer impact, operational efficiency, compliance, and cost consi
achievement of team KPIs, service standards, and operational goals through structured performance m
anagement.
Provide continuous coaching, feedback, and developmental guidance to build team capability and strengthen operational e
xcellence.
Identify high‑potential talent and create opportunities for growth through training, mentoring, and skill en
hancement.
Foster a…
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