Assistant Manager - Card Centre Product Management

Job Profile

Strategic leadership

• Align team KPIs and processes with portfolio growth, risk control and service goals.
• Streamline and standardise card processes to reduce delays and errors.
• Use MIS and trend analysis to guide improvements and make recommendations.
• Promote automation, digital solutions and best practice.

Card product management and portfolio growth

• Credit card advances: expand total lending volume and credit line utilization.
• Activity and spend: raise the 30-day active percentage, spend per active card and transactions per active card across credit and debit, building top-of-wallet status.
• Portfolio revenue: maximize net fee income, interest yield and total card revenue.
• Cross-border campaigns: design incentives such as spend-and-win and cashback for overseas travel and international e-commerce.
• CASA integration: align debit card usage with Current and Savings Account growth to deepen deposit engagement and balance retention.
• Segmented BTL initiatives: run personalized SMS, EDM and push notification campaigns for dormant, low-active and high-value cardholders.
• Google Pay initiatives: drive mobile wallet enrolment and contactless adoption through cashbacks and first-transaction rewards.
• LankaPay/JCB activation: optimize JCB card issuance and acceptance, with co-branded promotions for regional and travel-focused spend.

People and processes

• Allocate work, set targets and monitor staff productivity and quality.
• Coach, train and cross-skill team members on systems, procedures and compliance requirements.
• Build a motivated team, conduct performance reviews and ensure succession planning and backup arrangements.

Compliance and audit

• Ensure all card operations follow Central Bank regulations, card scheme rules (Visa, MasterCard and others), AML/KYC guidelines and internal SOPs.
• Maintain documentation, audit trails and control checks, support internal and external audits, and close out findings promptly.

Operational monitoring and reporting

• Track TAT, error rates, volumes, complaints and SLA adherence, identify bottlenecks, and implement improvements through automation, workflow changes or policy revisions.
• Prepare daily, weekly and monthly MIS reports on volumes, backlogs, KPIs, incidents and exceptions, and present clear analysis and recommendations to management.

Coordination and strategic support

• Act as the key liaison between the Card Centre and branches, sales teams, Marketing department, Risk, IT, Finance, Contact Centre and customer service units, so information flows smoothly and issues are resolved quickly.
• Support the Senior Manager with capacity planning, system enhancements, new product rollouts, policy revisions and digital initiatives, including project work, UAT and change management.

Applicant Profile

Essential qualifications

• Bachelor's degree in Business Administration, Finance, Banking or Information Technology, or a recognized professional banking qualification.

Essential experience

• At least 5 years in banking operations, card operations or the fintech industry.
• At least 3 years of direct experience in one or more of: card product management, card scheme integration (LankaPay), or digital wallet and contactless payment implementation (such as Google Pay).

Knowledge

• Strong knowledge of credit and debit card products, processes and regulatory frameworks.
• Understanding of payment systems and card networks (Visa, MasterCard).
• Proficiency in banking software and core banking systems.

Skills

• Excellent analytical, problem-solving and decision-making skills.
• Strong communication and stakeholder coordination skills.
• Ability to prepare MIS reports and present findings to management.

Abilities

• Leadership and people management capability.

Desirable

• Prior supervisory or team leadership experience.
• Hands-on experience running card marketing or campaign initiatives, and familiarity with UAT and project delivery.