IN-Manager_Credit Cards _FS tech_Advisory_Mumbai

Line of Service

Advisory

Industry/Sector

FS X-Sector

Specialism

Operations

Management Level

Manager

Job Description & Summary

A career within Application and Emerging Technology services, will provide you with a unique opportunity to help our clients identify and prioritise emerging technologies that can help solve their business problems. We help clients design approaches to integrate new technologies, skills, and processes so they can get the most out of their technology investment and drive business results and innovation.

*Why PWC

At PwC, you will be part of a vibrant community of solvers that leads with trust and creates distinctive outcomes for our clients and communities. This purpose-led and values-driven work, powered by technology in an environment that drives innovation, will enable you to make a tangible impact in the real world. We reward your contributions, support your wellbeing, and offer inclusive benefits, flexibility programmes and mentorship that will help you thrive in work and life. Together, we grow, learn, care, collaborate, and create a future of infinite experiences for each other. Learn more about us.

At PwC, we believe in providing equal employment opportunities, without any discrimination on the grounds of gender, ethnic background, age, disability, marital status, sexual orientation, pregnancy, gender identity or expression, religion or other beliefs, perceived differences and status protected by law. We strive to create an environment where each one of our people can bring their true selves and contribute to their personal growth and the firm’s growth. To enable this, we have zero tolerance for any discrimination and harassment based on the above considerations. "

Responsibilities:
    Cards Business:
•    Experience in creating new product propositions, target segmentation, customer acquisition strategies, loyalty programs, P&L and strategic partnerships around cards.
•    Must have an experience or understanding of cross-sell/ affordability programs.
•    Experience in card portfolio management, business development and scaling existing card portfolios including enhancing activation and monthly engagement rates.
•    Experience in designing end to end customer engagement communication plan and campaigns to improve portfolio activity
•    Must have understanding of credit and underwriting risk, scorecard analysis
•    Have provided consultation to banks or FinTechs on creating new viable product proposition with market expectation.
•    Must have hands on experience in cards implementation from ideation, planning to launch for a new card product.
•    Experience in setting up entire cards business for new bank/Fintech and ensuring profitability of the new product.
Cards Operations:
•    Must have worked on the end-to-end cards operations for a bank or Fintech.
•    Have managed card operations for credit cards, debit cards or virtual cards for banks or Fintechs
•    Good understanding of operations process and key components for pre-issuance, authorizations, disputes, collections, NPA, scheme reporting, reconciliation & Settlement and other post issuance activities.
•    Experience in setting up at least 1 or 2 key areas of credit card operations from Pre-Issuance, Post issuance, Repayments, disputes, authorization, recon & settlement, collections for a Bank
•    Must have an understanding transaction authorization and fraud monitoring framework.
•    Experience in working on any of the major card management system (CMS) platform.
•    Experience in creating process documents, SOPs and operational requirements.
•    Experience in conducting UAT and managing vendors from end-to-end cards operations.
•    Have worked on improving the operational process by implementing automation to the existing cards operations process.
Cards Technology:
•    Extensive 2-8 years of experience in card payments domain preferably as a Business Analyst, Product Manager or Product Owner role.
•    Experience working on any major Card management systems(CMS) , Authorizations, Clearing & Settlements, Frauds and Disputes.
•    Must have hands on experience working on end-to-end implementations for card issuing & processing.
•    Experience working with card schemes on certifications for tokenization, disputes etc.
•    Ability to write BRDs, FRDs and conduct UAT for the features and requirements of card Lifecycle.
•    Experience in defining and creating technical documents for the development and implementation.
•    Good understanding on standard messages such as ISO 8583, scheme settlement files, scheme simulators such VTS, MCPS etc.
•    Good exposure on webservices, APIs and have worked on tools such as Postman.
•    Knowledge on SQL, Data Analysis and Cloud deployments/migrations.

Mandatory skill sets:
    Credit Cards

Preferred skill sets:
    Credit Cards

Years of experience required:
    7-10 years of experience 

Education qualification:
    Btech/MBA
 

Education (if blank, degree and/or field of study not specified)

Degrees/Field of Study required: Master of Business Administration, Bachelor of Engineering

Degrees/Field of Study preferred:

Certifications (if blank, certifications not specified)

Required Skills

Credit

Optional Skills

Desired Languages (If blank, desired languages not specified)

Travel Requirements

Up to 40%

Available for Work Visa Sponsorship?

No

Government Clearance Required?

No

Job Posting End Date