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Job title:
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Credit Card Specialist
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Experience Required
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3 – 6 Years
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Responsibilities:
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- Credit Card Operations: Oversee the day-to-day operations of credit card processing, including account setup, card activation, credit limit management, transaction monitoring, and statement reconciliation.
- Risk Management: Identify and mitigate potential risks associated with credit card operations by monitoring fraud patterns, conducting periodic reviews, and implementing preventive measures.
- Compliance: Ensure compliance with applicable credit card regulations, such as the Payment Card Industry Data Security Standard (PCI DSS), Fair Credit Reporting Act (FCRA), and other relevant guidelines.
- Customer Support: Provide exceptional customer service by resolving credit card-related inquiries, disputes, and complaints in a timely and professional manner.
- Relationship Management: Collaborate with internal stakeholders, such as finance, sales, and customer service teams, to address credit card-related issues, improve processes, and drive business growth.
- Reporting and Analysis: Prepare regular reports on credit card activities, trends, and performance metrics to assess the effectiveness of operations, identify areas for improvement, and support decision-making.
- Process Improvement: Continuously evaluate existing credit card processes and systems, identify opportunities for streamlining and automation, and implement enhancements to increase efficiency and accuracy.
- Training and Development: Conduct training sessions for employees on credit card processes, policies, and best practices to ensure a thorough understanding and adherence to established guidelines.
- Vendor Management: Collaborate with credit card service providers and vendors to resolve technical issues, negotiate contracts, and optimize service delivery.
- Stay Updated: Stay abreast of industry trends, regulatory changes, and emerging technologies in the credit card domain to proactively adapt and enhance credit card operations.
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Qualifications:
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- Education: Bachelor's degree in finance, business administration, or a related field. Relevant certifications (e.g., Certified Credit Card Professional, Certified Fraud Examiner) are a plus.
- Experience: 3-6 years of experience in credit card operations, preferably in a business/operational role within the financial services industry. Experience in the Kingdom of Saudi Arabia (KSA) is preferred.
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Knowledge and Skills:
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- In-depth understanding of credit card processes, regulations, and industry best practices.
- Proficient in credit card transaction processing systems and related software.
- Strong analytical and problem-solving skills with the ability to assess complex credit card-related issues.
- Excellent attention to detail and accuracy in transaction processing and data management.
- Familiarity with risk management techniques, fraud detection, and prevention strategies.
- Solid knowledge of credit card compliance requirements, including PCI DSS, FCRA, and other relevant guidelines.
- Exceptional customer service skills and the ability to handle customer inquiries, disputes, and complaints professionally and efficiently.
- Excellent communication and interpersonal skills to collaborate effectively with internal stakeholders and external vendors.
- Strong reporting and data analysis skills to generate insights and support decision-making processes.
- Ability to adapt to changing industry trends, regulatory landscapes, and emerging technologies in the credit card domain.
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