Head: Card Issuing

Role: Head: Card Issuing

Job Family

Project, Process and Product

Career Stream

Product

Leadership Pipeline

Manage Managers

Job Purpose

Head: Card Issuing will be responsible for managing the performance, income statement and evolution of the bank Card Individual Issuing business for credit cards, debit cards, co-brand cards and American Express Cards across Consumer, RRB and NPW segments. This includes defining the value proposition vision and strategy, driving the refinement of target segments and target client journeys, the understanding of client needs, the understanding and resolution of challenges in the end to end value chain. Drive and participate at industry level bodies within the payments eco system.

Job Responsibilities

Development and refinement of the end-to-end strategy for the Card Individual Issuing covering financial and non-financial (beyond banking) needs
Analyse international and local market trends, changes in market / clients needs, competitors strategies as well as internal value delivery system to find unmet client needs, value opportunities and areas for improvement
Develop and refine the Card Issuing strategy taking external and internal factors into account, also in consultation with internal stakeholders across the value chain and in alignment to overall cluster and enterprise strategies
Communicate vision and strategy effectively within and outside of the organisation to get buy-in and assure effective execution
Advise and consult to segments by providing professional solutions that meet the requirements of the segments business needs and solve for potential value gaps in the segments value chain
End-to-end management and accountability for the Card Individual Issuing business
Ensure required client value and client experience is delivered effectively and efficiently according to agreed Service Level Agreements, operational level agreements, contractual agreements and project scopes, schedules, and budgets
Identify shortcomings in the value delivery system and drive their resolution through responsible areas
Report on current and past performance in the delivery of the value proposition as well as progress of change initiatives at various forums and on an ad-hoc basis, pro-actively and reactively, including P&L and risk management
Being the specialist for Card Individual Issuing within the organisation.
Drive the realisation of the Card Individual Issuing strategy
Identify and size opportunities, conceptualise required change initiatives and draft business cases
Ensure that change initiatives are realising the intended business value and that they are delivered with a short time-to-market and within budget
Identify potential and required local and international partners for delivering the strategy and establish strong relationships and partnerships
Pilot and test new solutions in the market together with other internal teams and external partners
Drive commercialisation of new solutions into the market

Essential Qualifications NQF Level

Matric / Grade 12 / National Senior Certificate
Advanced Diplomas/National 1st Degrees

Preferred Qualification

MSc, MBA
MMP / SMP / MM or equivalent
Post graduate management qualification

Minimum Experience Level

10+ years of experience, including 5-7 years leadership roles
Demonstrated experience in product development, product management or innovation consulting
Exceptional understanding of card issuing
Strong experience in understanding and analysing market trends, competitors, opportunities, and technology developments related to card issuing
Deep understanding of payments and processes
Experience with and confidence in delivering presentations to clients and senior executives up to board level
Proven track record in identifying opportunities for partnerships and alliances to drive innovative business solutions
Building relationships and influence in a cross-functional / matrix structure

Technical / Professional Knowledge