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About the CompanyUnit Head - Cards Issuing & Acquiring Operations is part of a dynamic organization focused on delivering high-quality banking operations and services.About theRoleThe role holder will be responsible for strategic, operational, and people leadership of the unit, ensuring efficient delivery of banking operations, compliance with regulatory and internal policies, and high-quality service outcomes. Also managing the unit to execute a wide spectrum of defined banking operations processes with high standards of accuracy, and service delivery. The role oversees end‑to‑end functional ownership of Credit Cards Operations, ATM Operations, Prepaid Operations, Commercial Cards Operations, Interchange & Settlement Operations, General Ledger Reconciliations, GST Operations, Cash Management Operations, and Merchant Enablement Operations. The role demands strong ownership of performance, process excellence, risk management, and stakeholder engagement.ResponsibilitiesSupport organizational strategy by translating business requirements into operational actions.Drive key initiatives related to operational excellence, digital transformation, customer experience, and cost optimization.Monitor key performance indicators and present insights, reports, and recommendations to senior management.Lead and oversee the end‑to‑end lifecycle management of a portfolio of 3 million cards and allied card products, ensuring accuracy, compliance, and seamless customer experience.Provide strategic and operational direction for a merchant ecosystem of 2 lakh+ merchants, covering application onboarding, MID/TID generation, rental recovery, settlement processing, payments, hold/release decisions, dispute management, and MDR governance.Oversee ATM/CRM terminal reconciliation and exception management, ensuring accurate financial accounting, timely issue resolution,



and alignment with regulatory and network requirements.Manage the complete lifecycle of Multi‑Currency/FX Cards across Retail and FFMC models, including loads, reloads, settlements, reconciliation, and controladherence.Lead centralized Accounts Payable, Accounts Receivable, GST operations, General Ledger monitoring, and related reconciliation systems, ensuring strong control frameworks and timely financialreporting.Drive governance across internal processes and outsourced activities by managing vendors, defining SLAs, monitoring performance, and strengthening risk mitigation frameworks.Maintain strong knowledge of RBI regulations, MasterCard/Visa/NPCI rules, and ISO 9001 standards, ensuring full compliance across all operationalprocesses.Maintain a zero‑tolerance environment for errors by ensuring NIL operational lapses, prompt root‑cause analysis, and mitigation of financial and reputational risks.Champion an audit‑focused culture by continuously strengthening controls, closing audit observations, and enhancing operational resilience.Continuously monitor and identify emerging trends, risks, and process gaps, taking end‑to‑end ownership of issue resolution and long‑term fixes.Conduct periodic reviews of operational workflows to drive simplification, digitization, and automation resulting in measurable improvements in turnaround time, cost savings, and efficiency.Drive cost rationalization, resource optimization, and operational synergies across functions through data‑driven insights and performance metrics.Regularly evaluate processes to strengthen internal controls, enhance automation coverage,



and ensure scalable and resilient operations.Lead and manage a diverse team, ensuring clarity of roles, objectives, and performance expectations.Demonstrates the ability to think long‑term, anticipate risks, and align operational delivery with organizationalstrategy.Makes data‑driven decisions, balancing customer impact, operational efficiency, compliance, and cost considerations.Drive achievement of team KPIs, service standards, and operational goals through structured performance management.Provide continuous coaching, feedback, and developmental guidance to build team capability and strengthen operational excellence.Identify high‑potential talent and create opportunities for growth through training, mentoring, and skill enhancement.Foster a collaborative, inclusive, and high‑performance culture focused on accountability and continuous improvement.Ensure succession planning, workforce planning, and optimal resource allocation acrossprocesses.Promote employee engagement, motivation, and retention through regular communication and recognitionpractices.Demonstrate solid personal accountability, discipline, and integrity in all aspects of work.Exhibit effective time management, prioritization, and the ability to handle multiple high‑impact responsibilities simultaneously.Stay updated on regulatory changes, industry best practices, and internal process updates to drive informed decision‑making.Maintain composure and clarity during escalations, audits, or operational contingencies, ensuring well‑coordinatedresponses.Take ownership of learning by seeking feedback, upskilling, and adapting to technological or process advancements.Lead by example in communication, professionalism, and adherence to compliance and control norms.Proactively identify risks, inefficiencies, or improvement areas and take initiative to implement corrective actions.

Apply on Kit Job: kitjob.in/job/4pxsmk

📌 Unit Head - Cards Issuing & Acquiring Operations (Maharashtra)
🏢 Yes Bank
📍 Maharashtra