Payments Team- Credit Cards

Job Location:
Mumbai

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