Job Description

### ** Job Opportunity: Senior Manager Cards & Payments Operations**

**Location:** United Arab Emirates

**Company:** ITHR

**Employment Type:** Permanent

**Availability:** Immediate joiners preferred

**Salary:** Negotiable based on experience

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### **About the Role**

ITHR is seeking a dynamic and experienced **Senior Manager Cards & Payments Operations** to lead and optimize our end-to-end payment operations. This role is ideal for professionals with deep expertise in card issuance, acquiring, wallets, and UPI-based ecosystems, who are passionate about driving operational excellence and innovation in the fintech space.

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### **Key Responsibilities**

- Lead and manage daily operations for **card issuance, acquiring, wallets, and UPI-based transactions**.

- Interface with **payment networks** (VISA, Mastercard, RuPay, NPCI) to ensure seamless **settlement, reconciliation, and dispute resolution**.

- Drive **automation, scalability, and efficiency** across transaction processing and customer support workflows.

- Ensure **compliance** with local and international regulations (RBI, PCI-DSS, ISO, etc.).

- Collaborate with **technology, compliance, and product teams** to support new payment features and enhancements.

- Monitor and analyze key **operational metrics** (e.g., transaction success rate, decline trends, TAT, fraud ratios).

- Lead **incident response and escalation management** with partner banks, processors, and service providers.

- Implement robust **fraud monitoring, chargeback, and dispute management** controls.

- Manage **vendor and partner relationships** related to cards and payment infrastructure.

- Support **audits, internal risk assessments, and regulatory inspections**.

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### **Required Qualifications & Experience**

- 712 years of experience in **payments operations, digital banking, or fintech**.

- Proven exposure to **card schemes** (VISA, Mastercard, RuPay) and **UPI ecosystems**.

- Hands-on experience with **wallets, tokenization, APIs, and EMV transaction processing**.

- Strong understanding of **settlement, reconciliation, chargeback cycles, and dispute management**.

- Excellent knowledge of **regulatory frameworks** (RBI, NPCI, PCI-DSS).

- Experience with **banking systems, payment gateways, or fintech platforms**.

- Strong **analytical, communication, and stakeholder management** skills.

- Bachelors degree in **Engineering, Finance, or related fields** (MBA preferred).

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### **Preferred Profile**

- Experience with **VISA, Mastercard, RuPay/NPCI**, fintech aggregators, or issuer/acquirer banks.

- Familiarity with **ISO 8583 messaging standards**, **UPI APIs**, and **RTGS/IMPS/NEFT** operations.

- **Host certifications** and experience with **certification tools** like **FIME FINSIM**.

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### **Why Join ITHR?**

- Be part of a **fast-growing fintech environment**.

- Work on **cutting-edge payment technologies** and global integrations.

- Enjoy a **collaborative, innovation-driven culture**.

- Competitive compensation with **flexibility and growth opportunities**.

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