Head – Card Management / Alternate Delivery Channels

Candidate will be responsible for the followings –

Launching and monitoring all alternate delivery channels.

Responsible for setting up of technical and operational processes of acquiring, delivering and processing of Credit Card, Debit Card & Prepaid Card (such as Travelers Card, Food Card & Gift Card ), POS terminals, ATM Transactions & Mobile Banking, Kiosks etc.

Tie up with Mobile Companies, Microfinance Companies, Government Authorities, NGOs towards online disbursement of salary & loan, instant money transfer, top up of prepaid mobile card and collection of utility bills such electricity bill, water bill, telephone / mobile bill, govt. taxes, school colleges fees through alternate channels such ATM, Mobile, Internet Banking etc.

Acquiring & Setting up of online card management tracking system in order to track the Cards and Pins from receiving the application to processing, production, distribution and delivery.

Daily settlement of Inter Bank & Intra Bank transactions including claims if any and submitting daily Reconciliation & monthly MIS.

Investigate into tech-savvy frauds on ATMs, POS & Credit / Debit Cards in coordination with Audit Dept.

Handle and resolve internal and external customer complaints.

Manage the ATM Switch &/or National Switch, connecting to other Banks Switch/ATMs.

To formulate/decide all Policies, Procedures, Service Charges, Agreements with the Vendors to make the projects commercially viable.

Procurement/ selection of Hardware, Software, Stationery, Designing, developing products documentations etc.

Responsible for the overall performance of the Card business product management, product pricing, product launch, revenue and bottom line.

Research and understand the market and build futuristic service offerings (products) for the card space to stay ahead of competition.

Be responsible for end-to-end installation and management of ATM / POS networks including site selection and preparation, ATM / POS procurement and successful testing and installation through vendors / service providers.

Lead a specialized team of analysts focused on selecting strategic locations for deployment of ATMs / POS Terminals etc.

Assist in developing and executing Business Development plans and programs for deployment of Cards, POS & ATM traffic.

Control allocation of funds and take decisions along with Senior management team to manage Vendors for procurement.

Monitor performance of individual ATMs for transaction volumes, uptime, cash efficiency ratio and enhancing card database by sensitizing the respective branches to mobilize ATM usage etc.

Identify markets and frame strategies for product positioning/launching to ensuring that these services are positioned and sold appropriately to the relevant markets and customer groups.

Identify billing partners and build relationship with partners to readily support the customer base. Create an environment and provide strategic support for sales force to achieve the revenue targets.

Develop systems required to launching the cards-all types for any bank.

To Handle customer correspondence on behalf of operations & should be able to handle multiple priorities in parallel.

Develops process knowledge/training to the staff, be able to support the business effectively.


Education:(UG – B.Tech/B.E. – Electronics/Telecommunication, B.Com – Commerce, BCA – Computers) OR (PG – MBA/PGDM – Finance, Information Technology, M.Tech – Computers, Electronics/Telecommunication, MCA – Computers) AND ( Doctorate – Doctorate Not Required)

Candidate should have strong experience in operational and technical expertise in entire Card Management i.e. Credit Card, Debit Card & Prepaid Card ( Gift Card, Travelers Card, Food Card ), ATM & Point of Sale Terminal ( POS ), Internet Banking, Kiosks, New initiatives etc.

Experience of minimum 5 years in leading Commercial Bank is a must.
Must have Technical and Professional Banking knowledge to take care all matters related to these products.

Professional appearance and capable of communicating with the various banks counterparts / vendors on a professional and courteous manner.

Must have excellent oral and written communication skills in English.
Must be ready to relocate at Kabul.