Financial 45

• Develop and implement the strategic plan for the acquiring, card issuing, and e-commerce sectors, ensuring alignment with the bank’s overall goals.
  
• Identify new opportunities and partnerships to expand the acquiring network and drive growth in card and e-commerce businesses.
  
• Strengthen merchant relationships to secure larger business and increase market share.
  
• Oversee daily operations for acquiring, card issuing, and e-commerce, ensuring compliance and excellent service delivery.
  
• Manage acquiring business through POS, e-commerce, and mobile channels.
  
• Manage financial performance, including budgeting, forecasting, and reporting for acquiring, card issuing, and e-commerce.
  
• Ensure 100% revenue collection and minimize costs through efficient management.
  
• Build strong relationships with merchants, partners, and regulatory bodies to support strategic initiatives.
  
• Drive new product development and innovation, conducting market analysis to maintain a competitive edge.
  
• Secure larger market share through partnerships, monitor performance, and drive success for new product launches.
  
• Segment markets, identify opportunities, and lead growth campaigns to increase card uptake and usage.
  

Internal Controls, Processes & Procedures 20

• Identify and mitigate operational risks, ensuring compliance with regulations and internal policies.
  
• Ensure robust controls, compliance with policies and regulations, and timely escalation of issues.
  
• Keep fraud levels minimal through ongoing training.
  
• Address audit findings and maintain an updated risk register.
  
• Oversee operational performance, ensuring service reliability, scalability, and security across all acquiring, card issuing, and e-commerce platforms.
  
• Engage with internal stakeholders (e.g., Digital Banking, Retail, Corporate Banking, Technology, Risk, Compliance) to align acquiring, card issuing, and e-commerce strategies with broader Bank initiatives.
  
• Continuous review of partner on-boarding, partner management standards, rules of engagement, governance and quality assurance processes based on best practice.
  
• Collaborate with Risk Team, Commercial & SME Banking business heads to identify and escalate potential risks to senior management through appropriate governance channels and Quality assurance framework for compliance with Retail Banking requirements.
  
• Ensure SLA agreements are adhered to, processes in place, reports generated and target achieved.
  

Customer 20

• Champion customer-centric design across all acquiring, card issuing, and e-commerce channels to enhance user experience and loyalty.
  
• Create opportunities to engage with relevant partners in a way that generates maximum value for our customers.
  
• Undertake market research and user research for data analysis to develop a comprehensive business case that will Champion customer-centric design across all acquiring, card issuing, and e-commerce channels to enhance user experience and loyalty.
  

People 15

• Lead a team, and design and maintain a functional structure that is best suited and adaptive to the Retail Payments strategy.
  
• Foster collaboration to build, lead and influence key stakeholders to align to one common goal.
  
• Lead, mentor, and develop a high-performing team, fostering a culture of excellence and continuous improvement.
  
• Foster a culture of innovation, collaboration, agility, and continuous improvement.