Job Title: Head of Card Operations
Location: Nigeria
Employer: Financial/Credit Card Operations and Services Company
BASIC PURPOSE: The Head of Card Operations is responsible for Operational policies, processes and procedures of the credit cards issuing company in Nigeria.
ACCOUNTABILITIES:
• Drive the core card operations of the company to generate targeted income and reduce cost including delinquency.
• Manage the design and implementation of policies and procedures to effectively identify, mitigate and monitor principal business risks arising from the business direction and strategic environment.
• Champion the formulation and implementation of strategies, plans and programmes which contribute to the effective support of the organisation's overall business goals and objectives.
• To champion the identification, mitigation and monitoring of business risks and drive compliance to approved policies and procedures.
• Oversee the formulation, administration and enforcement of business rules and policies to guide proper operational practices in the organisation, ensuring that the organisation is in compliance with all applicable laws and regulations.
• Responsible for development and implementation of strategic operational plans in line with broader company goals.
• Identify risks and long-term financial implications of corporate projects/initiatives, and advise the CEO accordingly.
• Proactive coordinate preventive detection of fraudulent/sharp practices, and conduct conclusive resolution of related investigations.
• Review and authorise key expenditures and transactions in line with the approved budgets and authority limits.
• Stay abreast of industry trends, events, issues and developments to assists /enable the development implementation of appropriate control measures, monitoring mechanism as well as their continuous update/revision.
• Review departmental performance reports and conduct performance appraisal of heads of departments.
• Provide Management with timely, complete and accurate financial and operational information for business decision-making process.Proactively manage all operations staffing requirements including recruitment, training and performance management in conjunction with MD.
• Provide leadership and mentoring to key all key operation staff.
Qualification: Bachelors Degree / Diploma in Finance or related field. Master's preferred.
Experience:
• Strong knowledge and appreciation of ICT and e-commerce/payment industry – key operations, products and services, trends, development, challenges, and issues.
• Minimum 15 years in the card industry spanning risk management, marketing, finance & strategy, card operations with major card issuers particularly in UK, USA and India
• Very good understanding of the workings of relevant IT infrastructure, management, processes/procedures, practices /methodologies, It security systems and applications.
• Strong financial and accounting knowledge, including understanding of finance best practices, international as well as Nigerian accounting and financial reporting standards.
• In–depth understanding and knowledge of leading practices and trends in risks management i.e. rounded experience in experience in analytics, statistical modelling, information visualisation and operational dash board, business intelligence.
• Strong understanding revenue assurance fraud detection process for e–commerce/payment operation.
• Very sound business acumen–financial and commercial knowledge
• Ability to think strategically and holistically
• Proactive with a strong customer focused orientation.
• High ethical standards and integrity level.
• Superior leadership and people management skills, including the ability to manage teams effectively.
Strong communication and interpersonal skills.
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