Cards and Credit Lending Specialist

About the role
This role is responsible for managing end-to-end card settlement and reconciliation activities, including the handling of customer inquiries related to card management. The role ensures timely, accurate, and efficient processing of card-related operations in accordance with established operational procedures, service level agreements, and internal control standards.
In addition, this role will provide guidance and operational support to Card & Credit Lending Operations team, manages operational investigations and exception cases, supports risk and control initiatives, and serves as a key liaison for internal stakeholders.
Key Responsibilities
· Perform and manage daily card settlement and reconciliation activities for debit and credit card transactions.
· Investigate and resolve reconciliation breaks, settlement exceptions, transaction disputes, and operational issues within agreed service levels.
· Monitor settlement accounts and ensure accurate reconciliation with card schemes and internal records.
· Manage card-related operational activities, including card issuance, replacement, renewal, maintenance, and customer requests.
· Handle investigations and exception management for card transactions and operational discrepancies.
· Provide guidance and support to Operations on daily operational matters.
· Prepare operational, reconciliation, and management reports.
· Support risk, audit, and compliance reviews, ensuring adherence to policies and procedures.
· Collaborate with internal stakeholders to resolve issues and improve operational effectiveness.
· Participate in process improvement and automation initiatives.
Key Accountabilities
· Accurate and timely completion of settlement and reconciliation activities.
· Prompt resolution of outstanding reconciliation items and operational exceptions.
· Compliance with internal policies, regulatory requirements, and audit standards.
· High-quality service delivery to internal and external stakeholders.
· Maintenance of a strong operational risk and control environment.
Qualifications & Experience
· Bachelor's Degree in Business, Finance, Banking, Accounting, or a related discipline.
· 3-5 years of experience in card operations, settlement, reconciliation, payment operations, or banking operations.
· Experience in handling investigations, exception management, and operational controls is an advantage.
Skills & Competencies
· Strong analytical and problem-solving skills.
· Good understanding of card payment operations and reconciliation processes.
· Knowledge of operational risk, compliance, and control requirements.
· Attention to detail with a high level of accuracy.
· Good communication and stakeholder management skills.
· Ability to work independently and manage multiple priorities.
Key Performance Indicators (KPIs)
· Settlement and reconciliation completed within SLA.
· Timely resolution of exceptions and investigations.
· Accuracy level of operational processing and reporting.
· Compliance findings and audit observations.
· Stakeholder satisfaction and service quality metrics.
JR00000667