Unit Head - Credit Card Reconciliation - Operations Group

The Bank of Punjab is one of the fastest growing banks in Pakistan, with over 35 years of profound existence. It operates through a network of 900+ branches across the country, offering premium banking services with a major focus on unsurpassed value-added services for its customers through advanced solutions.

In line with the Bank’s progression strategy, we invite applications from experienced, dedicated, and performance-driven professionals for the position of Unit Head in our Credit Cards & Digital Banking Operations Division (Operations Group). This role offers an excellent opportunity for the right candidates who are eager to build a long-term career in a dynamic organization.

Grade: Band-5/ Band-3

Location: Lahore

Job Responsibilities:

Lead and supervise the daily, weekly, and monthly reconciliation of credit card and merchant settlements, including MDR, interchange fees, processor statements, and internal General Ledger accounts.
Oversee both sides of the card business, issuing (cardholder transactions) and acquiring (merchant settlements and POS networks), along with the reconciliation of scheme charges and vendor invoices.
Ensure timely processing and resolution of variance backlogs, unmatched entries, and open aging items.
Maintain relationships and communication with the schemes (Visa, MasterCard, UPI), settlement banks, and third-party processors.
Develop, implement, and maintain internal control procedures specific to the business units.
Monitor daily transactions to detect, investigate, and escalate potential misuse, system errors, or unauthorized charges.
Identify systemic processing flaws or errors by working closely with vendors, IT, and core banking teams.
Lead automation initiatives to transition manual tracking to specialized reconciliation software platforms.
Design and deliver regular training updates regarding card network rules and operational controls.
Prepare and present comprehensive management reports outlining aging breaks, open risks, and financial impacts for review purposes.
Ensure that the Unit’s Audit & Internal Control ratings are maintained at an acceptable level and remain stable.

Eligibility Criteria:

Qualification: Minimum Bachelor’s or equivalent degree from an HEC recognized local or foreign university.

Experience: Minimum 9 years of banking or non-banking experience.

Age: Up to 55 years as of November 12, 2026.

Important Note:

Only shortlisted candidates will be called for an interview. No TA/DA will be admissible.
The Bank of Punjab reserves the right to accept or reject any application(s) without assigning any reason(s).
The Bank is an equal opportunity employer. Females, minorities, differently-abled persons (DAPs), and transgender individuals are encouraged to apply.
The above position(s) carry market-based competitive remuneration.
Individuals fulfilling the above-mentioned criteria are encouraged to apply online through the BOP career portal bop.rozee.pk latest by November 12, 2026.

Skills

MIS Reporting Process Automation Payment System Knowledge Financial Analysis Settlement Management Card Reconciliation

Job Details

Industry:

Banking/Financial Services

Functional Area:

Monitoring & Evaluation (M&E)

Total Positions:

1 Post

Job Shift:

First Shift (Day)

Job Type:

Full Time/Permanent

Department:

Cards & Digital Banking Ops. Division, (Operations Group)

Job Location:

Lahore, Pakistan

Gender:

No Preference

Minimum Education:

Bachelors

Degree Title:

Bachelor's or equivalent degree from an HEC recognized local/foreign university

Career Level:

Experienced Professional

Minimum Experience:

9 Years (Minimum 09 years banking / non-banking experience.)

Apply Before:

Nov 13, 2026

Posting Date:

Oct 29, 2026

The Bank of Punjab (BOP)

Banking/Financial Services · More than 5000 employees - Lahore

The Bank of Punjab was established in 1989 under The Bank of Punjab Act, 1989 passed by Provincial Assembly of the Punjab, as a non-scheduled Commercial Bank with majority shareholding of Government of the Punjab. The Bank earned the status of a scheduled Commercial Bank in 1994 and currently carries a vast network of over 620 online branches, strategically located across the Country along with an ATM network of over 550 offering 24/7 banking services to its diverse clientele of over 2 million. Since its inception, the BOP has seen many ups and downs and has also successfully weathered the waves of economic volatility, recessions and stiff market competition over the years. Current strong network base coupled with solid capital structure and phenomenal financial results posted during last few years has transformed the Bank to one of a leading financial institution of the Country. Now, the Bank standouts among peer group as a robust and rapidly growing commercial Bank. Besides offering a range of products and services to meet the modern days’ banking requirements of its clients, the Bank has also established its footprint in the areas of consumer financing, agriculture credit, corporate & investment banking, cash management and alternative delivery channels. While achieving the objective of financial inclusion through its presence in remote and unbanked areas of the Country with HarFardKaKhayal the Bank is playing its due role in the economic growth of the Country through its various specially tailored and designed products and services.