Cards Operation Manager

The Card Operations Manager is responsible for the effective day-to-day management of Renmoney’s debit and credit card operations, ensuring operational stability, regulatory and scheme compliance, accurate reconciliation and settlement, effective fraud controls, efficient card issuance and personalisation, and a consistently positive cardholder experience.

The role will oversee the end-to-end operational processes supporting the card business and work closely with internal stakeholders, card schemes, processors, personalisation bureaus and other service providers to ensure that card products are delivered reliably, securely and efficiently.

1. Card Operations Management

• Manage the end-to-end operational processes for Renmoney’s debit and credit card portfolio, including card issuance, personalisation, activation, transaction processing, reconciliation, settlement and dispute management.
• Ensure card operational processes are efficient, scalable and appropriately controlled.
• Identify opportunities to automate manual card operations processes and improve turnaround times.
• Monitor operational performance and proactively address issues that could affect card availability, transaction processing or customer experience.
• Develop, maintain and continuously improve card operations procedures, process maps and operating manuals.

2. Regulatory and Card Scheme Compliance

• Ensure card operations comply with all applicable CBN, NIBSS and card scheme requirements, including Mastercard, Verve, Visa and AfriGO requirements w
• Monitor changes in regulatory and scheme rules and coordinate implementation of required operational changes.
• Ensure all required regulatory and scheme reports are accurate and submitted within stipulated timelines.
• Coordinate responses to internal audits, external audits, regulatory reviews and card scheme assessments.
• Ensure audit and compliance findings relating to card operations are addressed within agreed timelines.

3. Card Issuance, Personalisation and Inventory Management

• Manage card ordering, inventory, personalisation, activation and distribution processes.
• Maintain adequate card stock levels to support approved issuance plans and prevent stock-outs.
• Work closely with card personalisation bureaus and other service providers to ensure cards are produced and delivered within agreed service levels.
• Monitor card issuance turnaround times and resolve operational bottlenecks.
• Ensure appropriate controls are maintained over blank cards, personalised cards, PINs and other sensitive card materials.