Team Leader - Retail Banking Ops - Cards Ops

Product Implementation Specialist

Provide guidance in developing and maintaining procedures for product/process implementation, develop charge back handling strategy to avoid financial losses to the bank, merchants and card holders. Analyze and advice dispute reduction strategy to acquiring merchant to reduce dispute losses. Implement, maintain and improve processes to ensure effective operational processes to monitor and maintain financial controls and achieve business objectives to enhance/optimize profitability of the merchant and issuance business. Be part of the business decision and work closely with product and promotions teams to understand current and future requirements, ensuring the crucial balance between risk and service is well understood and accepted. Provide guidance in developing and maintaining procedures for product implementation, case approval, compliance programs, monitor quality performance of financial and chargebacks processes. Provide analysis and guidance in establishing internal and external agreements. Plan and develop card financial and chargeback training programs to card center staff to develop their skill. Plan and establish effective relationships with member banks and service level agreements with internal and external departments. Responsible for monitoring and implementing compliance requirements from card schemes like Visa / Mastercard/JCB/CUP/DINERS and other regional switches.

Key Result Areas

Monitor all associations' settlement and funds position, balancing and reconciliation and corrective action on daily basis. Preparation and submission of accurate and timely quarterly operating certificate to Associations, analyse expense and income trending and alert stakeholders on timely basis on pricing variations. Provide coaching and feedback to the team which can customize to fit multi-disciplinary perspective. Monitor UAE switch system reports for balancing and reconciliation for all countries under the purview. Emerge as the product expert for all relevant areas reporting to this position. Being central point of contact for association guidelines/newsletters/publications and ensure timely publishing to business groups with probable impact. Ensure that Bank's Compliance and Regulatory procedures are followed. Ensure maintenance of MI for staff productivity and constantly strive to increase the level of individual as well as unit's overall productivity. Also to ensure that necessary job rotation and training is provided for staff development and career growth. Create an atmosphere conducive to mutual co-operation among staff members and foster team spirit. Ensure unit attains satisfactory internal and external audit rating. Ensure that unit's standard operating procedures are reviewed, change documents are maintained and updated regularly. Ensure the transactions are processed as per the unit's SLA and the operational errors/losses are very minimum. Manage Monthly - MER, KRI, RCSA and Reconciliation reporting within the timelines. Constantly work towards generation of new ideas/innovations and ensure year on year digitization/productivity/process automation targets are achieved. Knowledge of VAT procedures and applicability to interchange and settlement and merchant payments.

Knowledge, Skills and Experience

Sound knowledge of general banking with good experience on Cards domain. Hands on experience in working in Prime Platform/Flexcube system. Sound knowledge of association systems, visa/mastercard on line, association pricing and interchange computation. 6-8 years' multi-discipline banking experience. Excellent communication skills (both written & verbal), Good analytical thinking/interpersonal skills. Client communication and management, People Management skills. Strong knowledge on MS Office tools, MIS reporting and analysis. Ability to meet stringent client deliverables, effective presentation skills. Effective decision making power & conflict handling.