Unit Head, Credit Card Reconciliation & Card Ops

Recruit AI; Lahore; On-site; PKR 2,800,000 - 3,600,000; Full time

Job summary

The Bank of Punjab in Lahore is seeking an experienced Unit Head for Credit Card Reconciliation within the Credit Cards & Digital Banking Operations Division. You will lead end-to-end reconciliation for card settlements, MDR, and scheme fees, while coordinating with Visa/MasterCard/UPI and processors.

The role requires strong internal controls, problem solving, and the ability to drive automation and improvements across the unit to maintain robust audit ratings.

Qualifications

• Bachelor’s degree or equivalent from an HEC recognized local or foreign university.
• Minimum 9 years of banking or non-banking experience.

Responsibilities

• Lead and supervise the daily, weekly, and monthly reconciliation of credit card and merchant settlements, including MDR, interchange fees, processor statements, and internal General Ledger accounts.
• Oversee both sides of the card business, issuing (cardholder transactions) and acquiring (merchant settlements and POS networks), along with the reconciliation of scheme charges and vendor invoices.
• Ensure timely processing and resolution of variance backlogs, unmatched entries, and open aging items.
• Maintain relationships and communication with the schemes (Visa, MasterCard, UPI), settlement banks, and third-party processors.
• Develop, implement, and maintain internal control procedures specific to the business units.
• Monitor daily transactions to detect, investigate, and escape potential misuse, system errors, or unauthorized charges.
• Identify systemic processing flaws or errors by working closely with vendors, IT, and core banking teams.
• Lead automation initiatives to transition manual tracking to specialized reconciliation software platforms.
• Design and deliver regular training updates regarding card network rules and operational controls.
• Prepare and present comprehensive management reports outlining aging breaks, open risks, and financial impacts for review purposes.
• Ensure that the Unit’s Audit & Internal Control ratings are maintained at an acceptable level and remain stable.

Education

Bachelor’s degree or equivalent from an HEC-recognized university

Job description

The Bank of Punjab in Lahore is seeking an experienced Unit Head for Credit Card Reconciliation within the Credit Cards & Digital Banking Operations Division. You will lead end-to-end reconciliation for card settlements, MDR, and scheme fees, while coordinating with Visa/MasterCard/UPI and processors.

The role requires strong internal controls, problem solving, and the ability to drive automation and improvements across the unit to maintain robust audit ratings.