Manager/Assistant Manager Credit Card

Raqami Islamic Digital Bank Ltd.; Karachi Division; In loco; PKR 2.000.000 - 4.000.000; Tempo pieno

Descrizione del lavoro

Raqami Islamic Digital Bank Ltd. seeks a Manager/Assistant Manager – Credit Card to lead the development and daily management of the Bank’s Islamic Credit Card, ensuring Shariah compliance and SBP regulatory adherence.

You will drive product docs, digital journeys, and MIS reporting while coordinating with Risk, Operations, and Marketing teams. Your role involves supervising product variants, verifying profit/fees, UAT execution, and cross-functional collaboration to ensure successful card

Competenze

• 3–5 years of experience in cards, consumer financing, card operations or product management in an Islamic or commercial bank.
• Exposure to credit card products and card implementation initiatives preferred.

Mansioni

• Assist in developing and enhancing Shariah-compliant credit card variants, features and reward programs.
• Support preparation and upkeep of product documents, including PPG, KFS, BRDs, FAQs, and terms and conditions.
• Support design of digital journeys, including in-app application, instant issuance, card controls, tokenization (Google Pay / Apple Pay), statements and auto-debit repayment.
• Ensure profit, fee, minimum payment and charity calculations follow the approved PPG and Shariah structure, and validate system parameters during UAT.
• Coordinate UAT and go-live of credit card features and enhancements with Technology and the card processor.
• Monitor local and cross-border settlements, fee and profit postings, reversals and GL reconciliation exceptions with Operations and Finance.
• Coordinate resolution of card disputes, chargebacks, merchant issues and customer escalations with Operations and Customer Experience.
• Coordinate with Credit Risk and Collections on credit criteria, limit management and dunning activities.
• Ensure compliance with SBP regulations and Shariah Board guidelines, support Compliance, Shariah and audit reviews, and close observations.
• Track and report credit card MIS, covering applications, approvals, activation, spend, utilization, delinquency and income, and support campaigns with Marketing.

Conoscenze

Credit Card Product

Shariah-Compliant Structures

Card Management Systems

Settlement & Reconciliation

Dispute Management

SBP Regulations

BRD & UAT Support

Documentation (PPG/KFS/TCs)

Excel Reporting (Power BI)

Stakeholder Coordination

Attention to Detail

Learning Agility

Formazione

Bachelor’s degree in Business Administration, Finance, Commerce or Economics

Master’s degree

Strumenti

Power BI

Core Banking System

Descrizione del lavoro

Job Title: Manager/Assistant Manager – Credit Card

Department: Retail Banking

Job Overview

We are seeking a detail-oriented and customer-focused Manager/Assistant Manager – Credit Card to support the launch, growth and day-to-day management of the Bank’s Islamic Credit Card. The role will assist in product development, digital customer journeys, operational monitoring, and Shariah and regulatory compliance. It will ensure the card is delivered in line with the Shariah structure approved by the Bank’s Shariah Board, SBP regulations and the Bank’s digital strategy.

Key Responsibilities

• Assist in developing and enhancing Shariah-compliant credit card variants, features and reward programs.
• Support preparation and upkeep of product documents, including PPG, KFS, BRDs, FAQs, and terms and conditions.
• Support design of digital journeys, including in-app application, instant issuance, card controls, tokenization (Google Pay / Apple Pay), statements and auto-debit repayment.
• Ensure profit, fee, minimum payment and charity calculations follow the approved PPG and Shariah structure, and validate system parameters during UAT.
• Coordinate UAT and go-live of credit card features and enhancements with Technology and the card processor.
• Monitor local and cross-border settlements, fee and profit postings, reversals and GL reconciliation exceptions with Operations and Finance.
• Coordinate resolution of card disputes, chargebacks, merchant issues and customer escalations with Operations and Customer Experience.
• Coordinate with Credit Risk and Collections on credit criteria, limit management and dunning activities.
• Ensure compliance with SBP regulations and Shariah Board guidelines, support Compliance, Shariah and audit reviews, and close observations.
• Track and report credit card MIS, covering applications, approvals, activation, spend, utilization, delinquency and income, and support campaigns with Marketing.

Experience Required

• Minimum 3–5 years of experience in cards, consumer financing, card operations or product management in an Islamic or commercial bank.
• Exposure to credit card products and card implementation initiatives will be preferred.

Educational Background Required

• Bachelor’s degree in Business Administration, Finance, Commerce or Economics.
• Master’s degree preferred.

Skills & Competencies

• Credit Card Product & Lifecycle (Billing Cycle, Minimum Payment, Profit Calculation, Fees, Delinquency)
• Shariah-Compliant Card Structures (Tawarruq, Ujrah)
• Card Management Systems & Core Banking
• Settlement & Reconciliation
• Chargeback & Dispute Management
• SBP Regulations for Cards & Consumer Financing
• BRD Preparation & UAT Support
• Product Documentation (PPG, KFS, T&Cs)
• Excel-Based Reporting & MIS (Power BI preferred)
• Stakeholder Coordination
• Attention to Detail
• Learning Agility

Raqami Bank is an equal opportunity employer. We welcome applications from all qualified individuals, including Persons with Disabilities (PWDs), and are committed to fostering an inclusive workplace where everyone has the opportunity to succeed.

Last date to apply: November 13, 2026.