Unit Head – Credit Card Reconciliation

Department: Credit Cards & Digital Banking Operations Division (Operations Group)
Grade: Band 5 to Band 3
Employment Type: Experienced Professional
Minimum Experience: 9 Years
Maximum Age: 55 Years
Qualification: Bachelor's Degree or Equivalent

The Bank of Punjab (BOP) is one of Pakistan's fastest-growing banks, with over 35 years of banking experience and a nationwide network of 900+ branches. The bank provides a wide range of premium banking services, focusing on innovative financial solutions and customer satisfaction.

💼 Position Overview

The Bank of Punjab is inviting applications from experienced, dedicated, and performance-driven professionals for the position of Unit Head – Credit Card Reconciliation in its Credit Cards & Digital Banking Operations Division.

The selected candidate will lead credit card and merchant settlement reconciliation operations, strengthen internal controls, manage financial discrepancies, and improve operational efficiency through automation.

🎯 Key Responsibilities

• Lead daily, weekly, and monthly reconciliation of credit card transactions and merchant settlements.

• Supervise reconciliation of MDR, interchange fees, processor statements, and General Ledger accounts.

• Oversee issuing and acquiring operations, including cardholder transactions, merchant settlements, and POS networks.

• Manage reconciliation of card scheme charges and vendor invoices.

• Ensure timely resolution of financial discrepancies, unmatched entries, and pending reconciliation items.

• Maintain professional relationships with Visa, MasterCard, UPI, settlement banks, and third-party processors.

• Develop and implement internal control procedures for operational activities.

• Monitor transactions to identify potential misuse, system errors, and unauthorized charges.

• Coordinate with vendors, IT, and core banking teams to resolve processing issues.

• Lead automation initiatives to replace manual reconciliation processes with specialized software.

• Provide training on card network regulations and operational controls.

• Prepare management reports highlighting reconciliation issues, financial risks, and potential impacts.

• Maintain acceptable audit and internal control ratings for the unit.

🎓 Eligibility Criteria

Qualification:

• Minimum Bachelor's Degree or equivalent qualification from an HEC-recognized local or foreign university.

Experience:

• Minimum 9 years of banking or non-banking professional experience.

Age Limit:

• Maximum 55 years as of the application date.

🌐 How to Apply

Interested and eligible candidates can submit their applications online through the official BOP recruitment portal.

📞 Contact Information

BOP Phone Banking: 111-267-200

⚠️ Important Instructions

• Only shortlisted candidates will be contacted for interviews.

• No TA/DA will be provided for interviews.

• The Bank of Punjab reserves the right to accept or reject any application without providing a reason.

• Competitive, market-based remuneration will be offered.

• BOP is an equal opportunity employer. Females, minorities, differently-abled persons, and transgender candidates are encouraged to apply.

🔎 Source: Official Careers Portal
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