Unit Head - Credit Card Reconciliation - Operations Group - TJ / 1930495

The Bank of Punjab (BOP), one of Pakistan’s fastest-growing banks with over 35 years of established presence and a network of more than 900 branches nationwide, is seeking a Unit Head for Credit Card Reconciliation within its Operations Group in Lahore. This role is part of the Credit Cards & Digital Banking Operations Division and offers a promising career opportunity for experienced and results-oriented professionals who are committed to long-term growth in a dynamic banking environment. The successful candidate will play a critical role in managing the reconciliation processes related to credit card operations, ensuring accuracy, compliance, and efficiency in line with the bank’s strategic objectives.

Key Responsibilities

- Lead and oversee daily, weekly, and monthly reconciliation of credit card and merchant settlements, including Merchant Discount Rate (MDR), interchange fees, processor statements, and internal General Ledger accounts.
- Manage both issuing (cardholder transactions) and acquiring (merchant settlements and POS networks) sides of the card business, including reconciliation of scheme charges and vendor invoices.
- Ensure timely resolution of variance backlogs, unmatched entries, and aging open items to maintain operational integrity.
- Maintain effective communication and relationships with card schemes such as Visa, MasterCard, and UPI, as well as settlement banks and third-party processors.
- Develop and enforce internal control procedures tailored to the specific needs of the business units to mitigate risks.
- Monitor daily transactions to identify, investigate, and escalate potential misuse, system errors, or unauthorized charges promptly.
- Collaborate closely with vendors, IT, and core banking teams to detect and resolve systemic processing flaws or errors.
- Lead initiatives to automate reconciliation processes by transitioning from manual tracking to specialized reconciliation software platforms.
- Design and conduct regular training sessions to update the team on card network rules and operational controls.
- Prepare and present detailed management reports highlighting aging breaks, open risks, and financial impacts for senior management review.
- Ensure that the unit maintains acceptable and stable Audit and Internal Control ratings in compliance with regulatory standards.

Required Qualifications

- A minimum of a Bachelor’s degree or equivalent from an HEC-recognized local or foreign university.
- At least 9 years of relevant experience in banking or non-banking financial operations.
- Age limit up to 55 years as of November 12, 2026.

Additional Information

The Bank of Punjab is an equal opportunity employer encouraging applications from females, minorities, differently-abled persons (DAPs), and transgender individuals. The position offers a competitive, market-based remuneration package. Only shortlisted candidates will be contacted for interviews, and no travel allowance or daily allowance will be provided. The bank reserves the right to accept or reject any application without providing reasons.

Interested candidates who meet the eligibility criteria are encouraged to apply online through the official BOP career portal by November 12, 2026. This is an excellent opportunity for professionals seeking to advance their careers in a reputable and rapidly expanding financial institution.