Opportunity Information
1
Bank/ Digital Bank/ Microfinance Bank/ Financial Institution
Mid Career
On Site
Karachi
The Role
We are seeking a detail-oriented and customer-focused Manager/ Assistant Manager- Credit Card to support the launch, growth and day-to-day management of the Bank’s Islamic Credit Card. The role will assist in product development, digital customer journeys, operational monitoring, and Shariah and regulatory compliance.
•Assist in developing and enhancing Shariah-compliant credit card variants, features and reward programs •Support preparation and upkeep of product documents, including PPG, KFS, BRDs, FAQs, and terms and conditions •Support design of digital journeys, including in-app application, instant issuance, card controls, tokenization (Google Pay/ Apple Pay), statements and auto-debit repayment •Ensure profit, fee, minimum payment and charity calculations follow the approved PPG and Shariah structure, and validate system parameters during UAT •Coordinate UAT and go-live of credit card features and enhancements with Technology and the card processor •Monitor local and cross-border settlements, fee and profit postings, reversals and GL reconciliation exceptions with Operations and Finance •Coordinate resolution of card disputes, chargebacks, merchant issues and customer escalations with Operations and Customer Experience •Coordinate with Credit Risk and Collections on credit criteria, limit management and dunning activities •Ensure compliance with SBP regulations and Shariah Board guidelines, support Compliance, Shariah and audit reviews, and close observations •Track and report credit card MIS, covering applications, approvals, activation, spend, utilization, delinquency and income, and support campaigns with Marketing
Applicants General Eligibility & Requirements
3- 5 years
Education, Experience and Skills Requirements
- Bachelor 16 Years: Business Administration, Finance, Commerce, Economics
- Masters: Business Administration
Minimum 3- 5 years of experience in cards, consumer financing, card operations or product management in an Islamic or commercial bank
Credit card product lifecycle, Shariah-compliant card structures, Card management systems, Settlement and reconciliation, Chargeback and dispute management, SBP regulations for cards, BRD preparation, UAT support, Excel reporting and MIS, Stakeholder Coordination
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About the Employer
Raqami Islamic Digital Bank