• Define the vision, roadmap, and requirements for card products, aligning them with the bank’s business objectives. • Stay abreast of global and regional market trends, continuously evolving the card product strategyy in line with emerging insights, opportunities and threats. • Drive card products innovation to continuously enhance the bank’s customer value proposition and competitiveness. • Oversee the end-to-end lifecycle of card products, including but not limited to debit, credit, virtual and prepaid cards. • Ensure the bank’s product offerings meet scheme, regulatory requirements and industry standards. • Collaborate with cross-functional teams to deliver seamless card products enhancements, new products including their go-to-market strategies. • Leverage Visa programs and incentives to stimulate business growth. • Be unreasonable about customer experience across our card products and all fulfilment touchpoints including but not limited to ATMs, POSs, and online. • Monitor customer feedback and market trends to continuously improve product offerings and fulfilment thereof. • Implement customer retention and loyalty programs to increase product usage and satisfaction. • Partner with customer experience, business technology and operations to ensure customer queries and issues are attended to and resolved promptly. • Collaborate with cross-functional teams to ensure efficient and secure processing of card transactions. • Manage relationships with schemes, card fulfillment providers vendors, and partners to optimize service delivery. • Champion risk management and compliance related to card operations. • Lead the planning and delivery of ongoing internal cross-functional teams upskilling. • Develop, manage and drive the realization of card portfolio revenue and cost budget. • Daily monitoring of the card portfolio performance, implementing timely interventions to achieve revenue and profitability targets. • Conduct financial analysis and reporting to support decision-making.

• Bachelor’s Degree preferably in Business, Commerce and/or Management Studies. • Scheme product, commercial, operations and risk management. • Solid demonstrable understanding of key product marketing principles. • 7-8 years’ experience, 5 of which should be in card management incl. operations. • Strong practical knowledge of schemes incl. Visa and Mastercard compliance requirements and regulations. • Understanding of key business drivers and ability to drive business output. • Demonstrated experience interpreting and implementing schemes incl. Visa and Mastercard crule changes. • Advanced forecasting, pricing and business modelling. • Good computer knowledge especially spread sheets and databases, word and PowerPoint. • Familiarity with PCI-DSS, EMV chip technology, 3D Secure, tokenization, contactless payments, and payment security standards. • Understanding of chargeback management processes and dispute resolution procedures. • Good interpersonal skills to work with other teams for implementation of activities. • Business and Industrial awareness. • Team player and ability to work with minimum supervision. • Solutions oriented mindset.

If you believe you meet the requirements as noted above, please use the link below to apply; careers.dfcugroup.com Once there, click on “Career Opportunities” to get started. (We recommend using Google Chrome for the best experience.) Deadline: Wednesday 15th October 2025 Only short-listed candidates will be contacted. Please note that all recruitment terms and conditions as stated in the HR Policies and Procedures Manual shall apply.