Cards Operation Manager
AI summary
Renmoney is hiring a Cards Operation Manager to oversee end-to-end debit and credit card operations in Nigeria. The role covers card issuance, personalisation, transaction processing, reconciliation, fraud management, and regulatory compliance with CBN, NIBSS, and card scheme requirements. The position requires strong operational management skills in the card payments industry.
- Oversees end-to-end debit and credit card operations
- Ensures CBN, NIBSS, Mastercard, Verve, Visa and AfriGO compliance
- Manages card issuance, personalisation and inventory
- Handles fraud risk management and dispute resolution
- Based in Nigeria with national scope
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- UnclearRelated work experienceThe text mentions experience, but the exact level should be confirmed at source.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in security, call_center, internshipThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Not specifiedThe vacancy is associated with this location.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Cards Operation Manager evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Renmoney and the role in Not specified.
- Add concrete examples related to security, call_center, internship, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Jobzilla Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Cards Operation Manager role in security, call_center?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Not specified under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Renmoney before the interview.
Ask what the first priorities will be in the role and how success will be measured.
Similar jobs to consider
Use AI to apply better
After confirming the original source, use Career Assistant to check role fit, tailor your CV and prepare a cover letter or employer message.
Original source description
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.
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.
Identify opportunities to automate manual card operations processes and improve turnaround times.
Develop, maintain and continuously improve card operations procedures, process maps and operating manuals.
Ensure card operational processes are efficient, scalable and appropriately controlled.
Monitor operational performance and proactively address issues that could affect card availability, transaction processing or customer experience.
Regulatory and Card Scheme Compliance:
Ensure all required regulatory and scheme reports are accurate and submitted within stipulated timelines.
Ensure card operations comply with all applicable CBN, NIBSS and card scheme requirements, including Mastercard, Verve, Visa and AfriGO
Requirements
- w
- Ensure audit and compliance findings relating to card operations are addressed within agreed timelines.
- Coordinate responses to internal audits, external audits, regulatory reviews and card scheme assessments.
- Monitor changes in regulatory and scheme rules and coordinate implementation of required operational changes.
- Card Issuance, Personalisation and Inventory Management:
- Maintain adequate card stock levels to support approved issuance plans and prevent stock-outs.
- Manage card ordering, inventory, personalisation, activation and distribution processes.
- Work closely with card personalisation bureaus and other service providers to ensure cards are produced and delivered within agreed service levels.
- Ensure appropriate controls are maintained over blank cards, personalised cards, PINs and other sensitive card materials.
- Monitor card issuance turnaround times and resolve operational bottlenecks.
- Transaction Processing, Reconciliation and Settlement (this is primarily handled by the central operations team; the job of the card ops manager here will be to ensure everything is done correctly, within stipulated timelines and in line with regulations):
- Monitor outstanding reconciliation items and ensure timely closure.
- Oversee daily reconciliation of card transactions across relevant channels, processors, card schemes and settlement accounts.
- Ensure the accuracy and completeness of operational card data used for financial, risk and management reporting.
- Ensure reconciliation is completed within agreed timelines and discrepancies are promptly investigated and resolved.
- Work closely with Finance, Technology, Risk and relevant partners to resolve settlement and reconciliation breaks.
- Fraud Risk and Card Security:
- Ensure operational processes comply with applicable card security and data-protection requirements.
- Coordinate investigations and resolution of card-related fraud incidents.
- Monitor card fraud trends and recommend operational controls to reduce fraud exposure and losses.
- Work with Risk, Fraud and Information Security teams to strengthen fraud prevention, monitoring and response across Renmoney card products.
- Ensure fraud alerts and suspicious card transactions are reviewed and escalated promptly.
- Dispute and Chargeback Management (this is primarily handled by the central operations team; the job of the card ops manager here will be to ensure everything is done correctly, within stipulated timelines and in line with regulations):
- Analyse dispute trends and recommend process improvements to reduce recurring issues.
- Oversee cardholder disputes, chargebacks, reversals and transaction-related investigations.
- Ensure disputes are processed in accordance with card scheme rules and agreed customer service timelines.
- Monitor outstanding dispute cases and ensure timely resolution.
- Vendor and Partner Management:
- Escalate and drive resolution of high-impact service issues.
- Conduct regular operational and service review meetings with key partners.
- Manage operational relationships with key card ecosystem partners, including processors, personalisation bureaus, card schemes and other service providers.
- Monitor vendor performance against contractual service-level agreements.
- Maintain appropriate documentation of vendor performance, incidents and remedial actions.
- Customer
- Good understanding of card transaction processing, reconciliation, settlement, disputes, chargebacks, fraud management and card personalisation.
- Bachelor’s Degree in Finance, Banking, Business Administration, Economics, Accounting, Information Technology or a related discipline.
- Strong practical knowledge of debit and/or credit card operations.
Experience
and Issue Resolution:
Drive initiatives that improve the reliability and quality of the cardholder experience.
Conduct root-cause analysis of significant or repeated customer issues and implement corrective actions.
Partner with Customer
and other relevant teams to ensure card-related customer complaints and operational issues are resolved promptly.
Monitor card-related customer complaints, turnaround times and recurring issues.
Management Information and Reporting:
Provide timely insights on operational risks, trends and emerging issues.
Maintain accurate operational dashboards and performance indicators.
Prepare periodic card operations reports for management covering operational performance, issuance, reconciliation, fraud, disputes, customer complaints, vendor performance and key incidents.
Support budgeting, forecasting and operational planning for the card business.
Stakeholder Management:
Support the launch of new card products, features and operational capabilities.
Represent Card Operations in relevant internal governance forums and partner engagements.
Ensure operational readiness before the launch of new card products, programmes or functionality.
Collaborate with Product, Technology, Finance, Risk, Compliance, Customer Experience, Internal Audit and other internal stakeholders to support the card business.
Key Performance Indicators
Performance will be measured across the following areas:
Reduction in confirmed card fraud losses and timely review of fraud alerts.
Timely delivery of management and operational reports.
Prevention of material card stock-outs.
Achievement of card personalisation and activation turnaround times.
Timely closure of audit and compliance findings.
Completion of transaction reconciliation within agreed T+1 timelines.
100% timely submission of applicable regulatory and scheme reports.
Achievement of agreed reconciliation accuracy levels and timely closure of reconciliation breaks.
Achievement of agreed vendor SLA performance.
Reduction in card-related customer complaints and repeat complaints.
Reduction in manual operational processes and card-related escalations.
Timely resolution of high-impact vendor incidents.
Zero regulatory sanctions or card scheme penalties arising from card operations.
Success Profile
The successful Card Operations Manager will be highly organised, control-conscious and commercially aware, with the ability to balance operational efficiency, regulatory compliance, risk management and customer experience.
The individual should be proactive in identifying issues before they affect customers, comfortable managing multiple external partners, and capable of building robust operational processes that can support the growth of Renmoney’s card portfolio.
working with card schemes such as Mastercard, Verve and/or AfriGO.
Relevant professional certifications in cards, payments, banking operations, risk, fraud or project management would be an advantage.
Familiarity with CBN, NIBSS and applicable payment-card regulatory requirements.
managing processors, card bureaus, card schemes and other third-party service providers.
Minimum of 5–7 years’
in banking, fintech, payments or card operations, with at least 2–3 years in a supervisory or managerial capacity.
Required Skills and Competencies:
Strong customer-service orientation.
Ability to manage multiple operational priorities and incidents simultaneously.
Excellent vendor and stakeholder management skills.
Ability to work effectively across Product, Technology, Finance, Risk, Compliance and Customer
teams.
Strong attention to detail and commitment to accuracy.
Strong reconciliation and financial-control orientation.
Strong written and verbal communication skills.
Excellent operational and process-management skills.
Ability to identify operational inefficiencies and drive automation and process improvement.
Data-driven approach to performance management and decision-making.
Strong analytical and problem-solving capability.
Good understanding of operational risk, fraud and control frameworks.
Strong understanding of the cards and payments ecosystem.
How to Apply
Interested and qualified candidates should:
Click here to apply online
View all Jobs in Nigeria
Lagos State