<p fr-original-style="" style="font-size: 14px;"><span style="white-space:pre;" id="isPasted"></span>To define, drive, and execute the medium- to long-term strategy for the Card Business, ensuring sustainable growth, diversification of revenue streams, and alignment with the bank’s overall retail and digital banking strategy.</p><p fr-original-style="" style="font-size: 14px;"><br></p><p fr-original-style="" style="font-size: 14px;"><br></p><p fr-original-style="" style="font-size: 14px;"><br></p><p id="isPasted" fr-original-style="" style="font-size: 14px;"><strong fr-original-style="" style="font-weight: 700;">Card Business Strategy</strong></p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Develop and maintain a 3 – 5 year Card Business Strategy covering Credit, Debit, Prepaid Rewards & loyalty ecosystem and new revenue streams and partnerships.</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Translate strategy into annual strategic initiatives and roadmap.</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Ensure alignment with Retail Banking strategy, Digital Banking roadmap, Regulatory and scheme direction</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Monitor market, competitor, and scheme trends and recommend strategic responses.</p><p fr-original-style="" style="font-size: 14px;"><strong fr-original-style="" style="font-weight: 700;">Growth Initiatives & New Business Development</strong></p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Identify, assess, and develop new card-related growth initiatives, including new card propositions, Co-branded and affinity programs, travel, lifestyle, and ecosystem-based card offerings</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Lead feasibility assessments and define go-to-market models.</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Coordinate initiative delivery with Product, Portfolio, IT, Risk, Compliance, and Operations.</p><p fr-original-style="" style="font-size: 14px;"><strong fr-original-style="" style="font-weight: 700;">BIN Sponsorship & Fintech Partnerships</strong></p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Own the BIN Sponsorship program strategy and operating model.</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Identify and onboard suitable partners (e.g. fintechs, exchanges, corporates).</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Develop commercial structures, pricing models, and revenue forecasts.</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Coordinate with Legal, Compliance, Risk, and Schemes to ensure regulatory compliance, risk containment and commercial sustainability</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Monitor ongoing performance of sponsored programs.</p><p fr-original-style="" style="font-size: 14px;"><strong fr-original-style="" style="font-weight: 700;">Business Case Development & Financial Modelling</strong></p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Prepare business cases for new initiatives, including revenue projections, cost structures, ROI, break-even analysis and risk considerations. </p><p id="isPasted" fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Support submissions to Management Committees, Executive Management, and Board.</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Track post-launch performance against approved business cases.</p><p fr-original-style="" style="font-size: 14px;"><strong fr-original-style="" style="font-weight: 700;">Stakeholder & External Engagement</strong></p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Act as a key strategic interface with:</p><p fr-original-style="" style="font-size: 14px;">o<span style="white-space:pre;"> </span>Card schemes (Visa, Mastercard, domestic schemes)</p><p fr-original-style="" style="font-size: 14px;">o<span style="white-space:pre;"> </span>Strategic partners and ecosystems</p><p fr-original-style="" style="font-size: 14px;">o<span style="white-space:pre;"> </span>Internal senior stakeholdersStakeholder & External Engagement</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Support engagement with regulators on strategic card initiatives, as required.</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Represent the Card Business in cross-bank strategic forums.</p><p fr-original-style="" style="font-size: 14px;"><strong fr-original-style="" style="font-weight: 700;">Governance & Reporting</strong></p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Ensure all strategic initiatives follow approved governance processes.</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Maintain a centralized pipeline of strategic initiatives.</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Provide regular strategy and progress updates to senior management.</p><p fr-original-style="" style="font-size: 14px;">•<span style="white-space:pre;"> </span>Ensure clear ownership, timelines, and accountability for initiatives.</p><p fr-original-style="" style="font-size: 14px;"><br></p>
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