Senior Officer - Cards

Raqami Islamic Digital Bank; Lahore; On-site; PKR 1,200,000 - 2,400,000; Full time

Job summary

Raqami Bank is seeking a Senior Officer - Cards to securely manage the end-to-end lifecycle of returned, undelivered, intercepted, and re-dispatched card products within Card Operations. The role emphasizes compliance, risk management, and timely investigation, with a focus on delivering quality customer service.

You will coordinate with internal teams and service partners, perform MIS reporting, and support audits while driving process improvements to enhance efficiency and controls.

Qualifications

• Card Operations & Lifecycle Management is required.
• Returned Card Processing experience is preferred.
• Risk Management, Fraud Monitoring & Prevention is essential.
• Complaint Resolution capabilities.
• Compliance & Audit Support knowledge.
• MIS Reporting & Documentation skills.
• Process Improvement & Quality Assurance.
• Analytical & Problem-Solving skills.
• Communication & Stakeholder Management.
• Team Collaboration.
• Accountability & Integrity.
• Customer Service Excellence.
• MS Office proficiency.

Responsibilities

• Receive and verify shipments of undelivered, returned, or intercepted cards and update tracking information.
• Validate and update card statuses in the card management system to mitigate fraud.
• Investigate delivery exceptions and coordinate with partners for timely resolution.
• Authorize secondary dispatches or card reissuance per approved procedures.
• Monitor daily operations and perform quality checks for policy adherence.
• Prepare MIS, management, and exception reports for review by management.
• Support audits by providing required documentation and corrective action updates.
• Identify process improvements to enhance efficiency and risk controls.

Skills

Card Operations & Lifecycle Management

Returned Card Processing

Risk Management, Fraud Monitoring &amp

Complaint Resolution

Compliance & Audit Support

MIS Reporting & Documentation

Process Improvement & Quality 2

Analytical & Problem-Solving Skills

Communication & Stakeholder Management

Team Collaboration

Accountability & Integrity

Customer Service Excellence

Microsoft Office Proficiency

Education

Bachelor's degree from an HEC-recognized university

Job description

Job Description:

Job Title: Senior Officer - Cards

Department: Operations

Job Overview

To securely manage the end-to-end lifecycle of returned, undelivered, intercepted, and re-dispatched debit, credit, ATM, and proprietary identification cards. The role ensures compliance with operational controls, regulatory requirements, and service standards while minimizing operational risk, preventing fraud, and enhancing customer experience through timely investigation, resolution, and re-delivery of cards.

Key Responsibilities

• Receive and verify shipments of undelivered, returned, or intercepted cards from courier partners and postal services. Record and update tracking information within relevant systems while maintaining complete custody records.
• Scan, validate, and update card statuses in the card management system, ensuring prompt blocking or returned-card marking to mitigate fraud and misuse risk.
• Investigate card delivery exceptions, customer complaints, and operational discrepancies. Coordinate with internal stakeholders and external service providers to ensure timely resolution within defined TATs.
• Validate customer requests and authorize secondary dispatches or card reissuance in accordance with approved procedures and service standards.
• Monitor daily operational activities, review transactions, and perform quality assurance checks to ensure adherence to policies, procedures, and control requirements.
• Maintain accurate records and prepare operational MIS, management reports, and exception reports for review by management.
• Support internal, external, regulatory, and compliance audits by providing required documentation, evidence, and corrective action updates.
• Identify process improvement opportunities to enhance operational efficiency, customer service, and risk controls

Experience Required

• 2-4 years of relevant banking operations experience, preferably within Card Operations, Customer Services, BranchOperations, or Payment Operations.

Educational Background Required

• Bachelors degree from an HEC-recognized university.

Skills & Competencies

• Card Operations & Lifecycle Management
• Returned Card Processing
• Risk Management, Fraud Monitoring & Prevention
• Complaint Resolution
• Compliance & Audit Support
• MIS Reporting & Documentation
• Process Improvement & Quality Assurance
• Analytical & Problem-Solving Skills
• Communication & Stakeholder Management
• Team Collaboration
• Accountability & Integrity
• Customer Service Excellence
• Microsoft Office Proficiency

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 12, 2026