Unit Head - Cards Issuing & Acquiring Operations

About the Company

Unit Head - Cards Issuing & Acquiring Operations is part of a dynamic organization focused on delivering high-quality banking operations and service

s.

About the

Role

The role holder will be responsible for strategic, operational, and people leadership of the unit, ensuring efficient delivery of banking operations, compliance with regulatory and internal policies, and high-quality service outcomes. Also managing the unit to execute a wide spectrum of defined banking operations processes with high standards of accuracy, and service delivery. The role oversees end‑to‑end functional ownership of Credit Cards Operations, ATM Operations, Prepaid Operations, Commercial Cards Operations, Interchange & Settlement Operations, General Ledger Reconciliations, GST Operations, Cash Management Operations, and Merchant Enablement Operations. The role demands strong ownership of performance, process excellence, risk management, and stakeholder engag

ement.

Responsi

• bilities
  
  Support organizational strategy by translating business requirements into operationa
• l actions.Drive key initiatives related to operational excellence, digital transformation, customer experience, and cost opt
• imization.Monitor key performance indicators and present insights, reports, and recommendations to senior m
• anagement.Lead and oversee the end‑to‑end lifecycle management of a portfolio of 3 million cards and allied card products, ensuring accuracy, compliance, and seamless customer e
• xperience.Provide strategic and operational direction for a merchant ecosystem of 2 lakh+ merchants, covering application onboarding, MID/TID generation, rental recovery, settlement processing, payments, hold/release decisions, dispute management, and MDR g
• overnance.Oversee ATM/CRM terminal reconciliation and exception management, ensuring accurate financial accounting, timely issue resolution, and alignment with regulatory and network req
• uirements.Manage the complete lifecycle of Multi‑Currency/FX Cards across Retail and FFMC models, including loads, reloads, settlements, reconciliation, and control
• adherence.Lead centralized Accounts Payable, Accounts Receivable, GST operations, General Ledger monitoring, and related reconciliation systems, ensuring strong control frameworks and timely financial
• reporting.Drive governance across internal processes and outsourced activities by managing vendors, defining SLAs, monitoring performance, and strengthening risk mitigation f
• rameworks.Maintain strong knowledge of RBI regulations, MasterCard/Visa/NPCI rules, and ISO 9001 standards, ensuring full compliance across all operational
• processes.Maintain a zero‑tolerance environment for errors by ensuring NIL operational lapses, prompt root‑cause analysis, and mitigation of financial and reputatio
• nal risks.Champion an audit‑focused culture by continuously strengthening controls, closing audit observations, and enhancing operational r
• esilience.Continuously monitor and identify emerging trends, risks, and process gaps, taking end‑to‑end ownership of issue resolution and long‑t
• erm fixes.Conduct periodic reviews of operational workflows to drive simplification, digitization, and automation resulting in measurable improvements in turnaround time, cost savings, and e
• fficiency.Drive cost rationalization, resource optimization, and operational synergies across functions through data‑driven insights and performanc
• e metrics.Regularly evaluate processes to strengthen internal controls, enhance automation coverage, and ensure scalable and resilient o
• perations.Lead and manage a diverse team, ensuring clarity of roles, objectives, and performance exp
• ectations.Demonstrates the ability to think long‑term, anticipate risks, and align operational delivery with organizational
• strategy.Makes data‑driven decisions, balancing customer impact, operational efficiency, compliance, and cost consi
• derations.Drive achievement of team KPIs, service standards, and operational goals through structured performance m
• anagement.Provide continuous coaching, feedback, and developmental guidance to build team capability and strengthen operational e
• xcellence.Identify high‑potential talent and create opportunities for growth through training, mentoring, and skill en
• hancement.Foster a collaborative, inclusive, and high‑performance culture focused on accountability and continuous im
• provement.Ensure succession planning, workforce planning, and optimal resource allocation across
• processes.Promote employee engagement, motivation, and retention through regular communication and recognition
• practices.Demonstrate strong personal accountability, discipline, and integrity in all aspect
• s of work.Exhibit effective time management, prioritization, and the ability to handle multiple high‑impact responsibilities simul
• taneously.Stay updated on regulatory changes, industry best practices, and internal process updates to drive informed decisi
• on‑making.Maintain composure and clarity during escalations, audits, or operational contingencies, ensuring well‑coordinated
• responses.Take ownership of learning by seeking feedback, upskilling, and adapting to technological or process adv
• ancements.Lead by example in communication, professionalism, and adherence to compliance and cont
• rol norms.Proactively identify risks, inefficiencies, or improvement areas and take initiative to implement correctiv