About this role
- KEY RESPONSIBILITIES:
- Oversee the complete lifecycle of payment cards (Instant Issuance, Centralized Personalization, Renewals, Re-issuances, and Pin Mailers/e-PINs).
- Monitor and manage daily bulk files sent to and received from card personalization vendors/bureaus.
- Ensure strict adherence to dual control procedures for inventory management (unperso/blank plastics, HSM keys, and security collateral).
- Conduct regular reconciliation of card inventory, damaged stock, and destroyed cards.
- Perform configuration, parameter setups, and testing for card BINs, product types, limits, fee structures, and expiry rules.
- Troubleshoot system errors between core banking application (CBS), card management system (CMS), and payment switches (e.g., Visa, Mastercard, UnionPay, or local switches).
- Support user acceptance testing (UAT) for card software upgrades, patch deployments, and new product launches.
- Serve as Tier-2 support for branch networks, contact centers, and digital channels regarding card status queries, declines, and block/unblock requests.
- Investigate and resolve card issuance transaction failures, failed print jobs, and cardholder configuration bugs within predefined SLAs.
- Handle chargebacks, dispute intake, and account adjustments related to issuing operational errors.
- Ensure full compliance with PCI-DSS (Payment Card Industry Data Security Standard) and card scheme rules (Visa/Mastercard/Amex/Discover).
- Maintain strict PIN security practices, cryptographic key handling protocols, and sensitive data protection measures.
- Assist in internal, external, and card scheme compliance audits by gathering operational evidence and maintaining mandatory operational logs.
- Generate daily, weekly, and monthly reports on card issuance volumes, failure rates, turnaround times (TAT), and active base stats.
- Liaise with third-party vendors (Card Personalization Bureaus, Courier/Delivery partners, Switch Providers) to maintain service level agreements.
- DAILY RESPONSIBILITIES:
- Review, approve, and route personalized credit/debit card instant-issuance and batch-printing files to internal personalization bureaus or third-party card vendors.
- Investigate and clear failed card authorizations, PIN reset failures, balance sync errors, and declined transactions across the core card management system (CMS) and payment switches (Visa/Mastercard).
- Reconcile vault inventory for blank plastic stock, EMV chips, and PIN mailers, ensuring strict dual-custody audit controls and tracking branch delivery logistics.
- Review automated fraud alerts, process first-level card block requests for compromised cards, and file initial dispute chargebacks through card scheme portals.
- Reconcile card issuing transaction logs, interchange fees, and ATM/POS settlement files between the bank’s core system and international/national card networks.
- CHALLENGES:
- Managing settlement mismatches between internal bank accounts, card switches, and global networks (Visa/Mastercard) caused by time-zone differences, system outages, or currency conversion lags.
- Handling disputes within rigid card network windows (e.g., Visa/Mastercard chargeback rules) while balancing customer expectations with fraud mitigation and loss controls.
- Navigating fulfilment bottlenecks—such as personalized chip failures, courier delivery issues, or third-party card printing bureau downtime—without breaching SLAs.
- MINIMUM POSITION QUALIFICATION REQUIREMENTS
- Academic & Professional
Particulars
Detail
Specific Field or Qualification
Need Type[1]
Education
Bachelor’s degree
Economics, Finance or Business-related course
RQ
Professional Qualifications
- Certified Card Payments Professional
- PCI-DSS Specialist / Internal Security Assessor
RQ
- Experience
Total Minimum No of Years Experience Required
2
Detail
Minimum No of Years
Need Type[2]
Banking & Financial services/ Regulatory exposure
1
DE
Card issuing
1
ES