IN_Manager_Credit Cards_FS Tech_Advisory_Mumbai

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