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product operations specialist

card operations specialist

HugoBank

<div>Card Operations Specialist is responsible for leading all aspects of day-to-day debit and credit card operations, including issuance, transaction processing, fraud detection, and compliance. The role is responsible for ensuring the efficiency, accuracy, and compliance while contributing to improvements in service delivery and digital payments infrastructure. 
Essential Duties and Responsibilities 
<ul><li><ul>
<li>
Manage end-to-end debit and credit card issuance, ensuring timely delivery, operational efficiency, and seamless transaction processing.</li>
<li>Track and report key performance indicators (KPIs), providing insights to senior management for operational improvements.</li>
<li>Monitor card activity and manage card capturing, blocking/unblocking, and replacements.</li>
<li>Collaborate with product teams to design and customize credit card offerings.</li>
<li>Identify opportunities for operational improvement through digital payment solutions and technological advancements.</li>
<li>Oversee and execute reconciliation, settlement, and other operational support activities during the pilot phase, including account opening, onboarding, KYC, and related operations.</li>
<li>Oversee the resolution of disputes for Visa scheme and 1LINK cards, ensuring compliance with network guidelines and timely resolution of customer issues.</li>
<li>Monitor and resolve disputes, chargebacks, and exception cases, ensuring customer satisfaction and compliance with regulations.</li>
<li>Ensure adherence to payment network regulations (e.g., Visa, MasterCard) and industry standards (e.g., PCI DSS).</li>
<li>Implement effective fraud detection and prevention mechanisms in collaboration with security teams.</li>
<li>Deliver seamless, customer-centric card services and resolve card-related issues promptly to enhance satisfaction.</li>
<li>Collaborate with internal and external stakeholders to align card operations with the bank&rsquo;s strategic objectives.</li>
<li>Handle procurement processes for card-related hardware (e.g., cabinets, printers) and consumables, including raising purchase orders and ensuring timely payment processing.</li>
<li>Manage key third-party vendors and partners ensuring adherence to SLAs and standards.</li>
</ul></li></ul>
Requirements<ul>
<li>
5-10 years experience managing debit and credit card operations in banking or financial services industry.</li>
<li>Strong understanding of banking payments, settlement, card services, payment networks, and regulatory requirements.</li>
<li>Bachelor&rsquo;s or Master&rsquo;s degree in Finance, Business Administration, or a related field.</li></ul></div>

Card Operations Specialist

<div>
 Card Operations Specialist is responsible for leading all aspects of day-to-day debit and credit card operations, including issuance, transaction processing, fraud detection, and compliance. The role is responsible for ensuring the efficiency, accuracy, and compliance while contributing to improvements in service delivery and digital payments infrastructure.
 
 
 
 Essential Duties And Responsibilities
 
 
 
 <ul>
 <li>
 Manage end-to-end debit and credit card issuance, ensuring timely delivery, operational efficiency, and seamless transaction processing
 </li>
 <li>
 Track and report key performance indicators (KPIs), providing insights to senior management for operational improvements
 </li>
 <li>
 Monitor card activity and manage card capturing, blocking/unblocking, and replacements
 </li>
 <li>
 Collaborate with product teams to design and customize credit card offerings
 </li>
 <li>
 Identify opportunities for operational improvement through digital payment solutions and technological advancements
 </li>
 <li>
 Oversee and execute reconciliation, settlement, and other operational support activities during the pilot phase, including account opening, onboarding, KYC, and related operations
 </li>
 <li>
 Oversee the resolution of disputes for Visa scheme and 1LINK cards, ensuring compliance with network guidelines and timely resolution of customer issues
 </li>
 <li>
 Monitor and resolve disputes, chargebacks, and exception cases, ensuring customer satisfaction and compliance with regulations
 </li>
 <li>
 Ensure adherence to payment network regulations (e.g., Visa, MasterCard) and industry standards (e.g., PCI DSS)
 </li>
 <li>
 Implement effective fraud detection and prevention mechanisms in collaboration with security teams
 </li>
 <li>
 Deliver seamless, customer-centric card services and resolve card-related issues promptly to enhance satisfaction
 </li>
 <li>
 Collaborate with internal and external stakeholders to align card operations with the bank's strategic objectives
 </li>
 <li>
 Handle procurement processes for card-related hardware (e.g., cabinets, printers) and consumables, including raising purchase orders and ensuring timely payment processing.
 </li>
 <li>
 Manage key third-party vendors and partners ensuring adherence to SLAs and standards
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 5-10 years experience managing debit and credit card operations in banking or financial services industry
 </li>
 <li>
 Strong understanding of banking payments, settlement, card services, payment networks, and regulatory requirements
 </li>
 <li>
 Bachelor's or Master's degree in Finance, Business Administration, or a related field
 </li>
 </ul>
</div>

<div>The Product Lead Credit Cards will be responsible for developing, managing, and scaling HugoBank&rsquo;s Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank&rsquo;s credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank&rsquo;s broader mission. 
Essential Duties and Responsibilities 
Product Strategy &amp; Proposition Development<ul>
<li>
Define and execute the end-to-end product strategy for HugoBank&rsquo;s Credit Card portfolio including secured and unsecured variants aligned with the bank&rsquo;s financial inclusion and lending-first vision.</li>
<li>Develop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users.</li>
<li>Conduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan.</li>
<li>Create and maintain the Credit Card Product Roadmap, ensuring alignment with the bank&rsquo;s overall product evolution and regulatory milestones.</li>
<li>Collaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential.</li>
</ul>
Product Design, Development &amp; Implementation<ul>
<li>
Translate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines.</li>
<li>Develop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.</li>
<li>Coordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management.</li>
<li>Support testing, UAT, and post-launch monitoring to ensure seamless product rollout.</li>
<li>Regularly review customer journeys and feedback to identify friction points and propose design enhancements.</li>
<li>Contribute to the long-term evolution of the bank&rsquo;s credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements.</li>
<li>Support the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.</li>
<li>Assist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank&rsquo;s strategic ecosystem.</li>
<li>Stay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives.</li>
</ul>
Portfolio Management &amp; Performance Optimization<ul>
<li>
Monitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability.</li>
<li>Drive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data.</li>
<li>Develop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history.</li>
<li>Maintain the product P&amp;L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers.</li>
<li>Build and execute campaigns and offers that drive product stickiness and long-term engagement.</li>
<li>Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience.</li>
</ul>
Governance, Risk &amp; Compliance<ul>
<li>
Ensure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies.</li>
<li>Work with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals.</li>
<li>Coordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks.</li>
<li>Conduct periodic risk reviews to identify control gaps and implement corrective actions.</li>
</ul>
Cross-Functional Collaboration &amp; Stakeholder Management<ul>
<li>
Act as the primary product liaison across internal functions &mdash; Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience.</li>
<li>Engage with external partners to ensure seamless delivery and innovation.</li>
<li>Partner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies.</li>
</ul>
Secondary Responsibilities<ul>
<li>
Participate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective.</li>
<li>Liaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes.</li>
<li>Coordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts.</li>
<li>Contribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards.</li>
<li>Ensure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release.</li>
</ul>
Requirements<ul>
<li>
Bachelor&rsquo;s degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory</li>
<li>6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments.</li>
<li>Proven track record of developing and managing credit card products including secured, unsecured, and co-branded variants.</li>
<li>Demonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization.</li>
<li>Exposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments.</li>
<li>Hands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent).</li>
<li>Experience working in banks, fintechs, or card-issuing institutions will be preferred.</li></ul></div>

Products Lead - Cards

<div>
 The Product Lead Credit Cards will be responsible for developing, managing, and scaling HugoBank's Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank's credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank's broader mission.
 
 
 
 Essential Duties And Responsibilities
 
 
 
 
 Product Strategy &amp; Proposition Development
 
 
 
 <ul>
 <li>
 Define and execute the end-to-end product strategy for HugoBank's Credit Card portfolio including secured and unsecured variants aligned with the bank's financial inclusion and lending-first vision
 </li>
 <li>
 Develop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users
 </li>
 <li>
 Conduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan
 </li>
 <li>
 Create and maintain the Credit Card Product Roadmap, ensuring alignment with the bank's overall product evolution and regulatory milestones
 </li>
 <li>
 Collaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential
 
 
 </li>
 </ul>
 
 Product Design, Development &amp; Implementation
 
 
 
 <ul>
 <li>
 Translate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines
 </li>
 <li>
 Develop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation
 </li>
 <li>
 Coordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management
 </li>
 <li>
 Support testing, UAT, and post-launch monitoring to ensure seamless product rollout
 </li>
 <li>
 Regularly review customer journeys and feedback to identify friction points and propose design enhancements
 </li>
 <li>
 Contribute to the long-term evolution of the bank's credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements
 </li>
 <li>
 Support the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation
 </li>
 <li>
 Assist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank's strategic ecosystem
 </li>
 <li>
 Stay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives
 
 
 </li>
 </ul>
 
 Portfolio Management &amp; Performance Optimization
 
 
 
 <ul>
 <li>
 Monitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability
 </li>
 <li>
 Drive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data
 </li>
 <li>
 Develop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history
 </li>
 <li>
 Maintain the product P&amp;L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers
 </li>
 <li>
 Build and execute campaigns and offers that drive product stickiness and long-term engagement
 </li>
 <li>
 Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience
 
 
 </li>
 </ul>
 
 Governance, Risk &amp; Compliance
 
 
 
 <ul>
 <li>
 Ensure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies
 </li>
 <li>
 Work with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals
 </li>
 <li>
 Coordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks
 </li>
 <li>
 Conduct periodic risk reviews to identify control gaps and implement corrective actions
 
 
 </li>
 </ul>
 
 Cross-Functional Collaboration &amp; Stakeholder Management
 
 
 
 <ul>
 <li>
 Act as the primary product liaison across internal functions &mdash; Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience
 </li>
 <li>
 Engage with external partners to ensure seamless delivery and innovation
 </li>
 <li>
 Partner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies
 
 
 </li>
 </ul>
 
 Secondary Responsibilities
 
 
 
 <ul>
 <li>
 Participate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective
 </li>
 <li>
 Liaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes
 </li>
 <li>
 Coordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts
 </li>
 <li>
 Contribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards
 </li>
 <li>
 Ensure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Bachelor's degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory
 </li>
 <li>
 6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments
 </li>
 <li>
 Proven track record of developing and managing credit card products including secured, unsecured, and co-branded variants
 </li>
 <li>
 Demonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization
 </li>
 <li>
 Exposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments
 </li>
 <li>
 Hands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent)
 </li>
 <li>
 Experience working in banks, fintechs, or card-issuing institutions will be preferred
 </li>
 </ul>
</div>

Zue Pvt Ltd

Job Title: Denial Management Specialist Location: Main Shahra-e-Faisal, Karachi (On-site) Employment Type: Full-time Shift Timings: 07:00 PM to 04:00 AM PST Working Days: Monday to FridayJob Responsibilities<ul><li>Verify claim status with payers and portals; record outcomes.</li><li>Review processed claims/ERAs to confirm accuracy and spot denials.</li><li>Fix errors and submit corrected claims/resubmissions.</li><li>Submit reconsiderations and appeals with required support.</li><li>Follow up with payers until the claim is resolved/paid.</li><li>Manage A/R for denied claims to reduce aging.</li><li>Analyze denial reasons and take action to resolve/prevent repeats.</li></ul>Job Requirements<ul><li>Experience in US healthcare billing or revenue cycle is a plus.</li><li>Basic knowledge of US insurance claims, denials, and payments.</li><li>Excellent and clear English communication skills.</li><li>Well-organized, detail-oriented, and able to handle multiple tasks.</li><li>Comfortable using billing software, payer portals, and spreadsheets.</li><li>Quick learner who can adapt to payer rules and updates.</li></ul>Perks &amp; Benefits:<ul><li>OPD &amp; IPD health coverage for self, dependents, and parents.</li><li>Life insurance for self.</li><li>Fuel card for male employees.</li><li>Free pick &amp; drop for female employees.</li><li>In-house gym facility.</li><li>Paid leaves &amp; US holidays.</li><li>Referral bonus program.</li></ul>Job Type: Full-timeApplication Question(s):<ul><li>What is your current salary? </li><li>What is your expected salary? </li><li>If selected? Would you be able to join immediately? </li><li>Are you comfortable working onsite from 07:00 PM to 04:00 AM PST (Night Shift)? </li><li>Residential Area in Karachi? </li></ul>Work Location: In person

Denial Management Specialist

Job Title: US Bookkeeping Specialist Location: Main Shahra-e-Faisal, Karachi (On-site) Employment Type: Full-time Shift Timings: 07:00 PM to 04:00 AM PST Working Days: Monday to FridayKey Responsibilities:<ul><li>Monitor, reconcile, and report on medical and office inventory to ensure accurate valuation and cost control.</li><li>Analyze the complete revenue cycle (charges, claims, payments, adjustments) for billing accuracy, timely collections, and regulatory compliance.</li><li>Review and categorize daily financial transactions in accounting software.</li><li>Prepare and post journal entries for expenses, payroll distributions, bank transfers, loan payments, and tax liabilities.</li><li>Perform monthly bank reconciliations to align QuickBooks records with bank statements.</li><li>Enter invoices and reconcile packing slips before scheduling vendor payments.</li><li>Review and recommend improvements to the chart of accounts.</li><li>Maintain secure and updated QuickBooks connectivity for timely financial review.</li><li>Generate Profit &amp; Loss statements and Balance Sheets on monthly/quarterly/annual basis.</li><li>Coordinate periodic meetings with the Head of Finance for financial review and recommendations.</li></ul>Requirements:<ul><li>Bachelor&rsquo;s degree in Accounting, Finance, or a related field.</li><li>Proven experience with bookkeeping and financial reconciliation, preferably in a healthcare setting.</li><li>Hands-on proficiency with QuickBooks or similar accounting software.</li><li>Strong understanding of revenue cycle processes and general ledger accounting.</li><li>Ability to prepare journal entries and financial reports.</li><li>Strong analytical skills with high attention to detail and accuracy.</li><li>Familiarity with inventory management processes.</li><li>Ability to maintain data confidentiality and comply with financial regulations.</li></ul>Perks &amp; Benefits:<ul><li>OPD &amp; IPD health coverage for self, dependents, and parents.</li><li>Life insurance for self.</li><li>Fuel card for male employees.</li><li>Free pick &amp; drop for female employees.</li><li>In-house gym facility.</li><li>Paid leaves &amp; US holidays.</li><li>Referral bonus program.</li></ul>Job Type: Full-timeApplication Question(s):<ul><li>What is your current salary? </li><li>What is your expected salary? </li><li>If selected? Would you be able to join immediately? </li><li>Residential Area in Karachi? </li><li>Are you comfortable working onsite in the night shifts from 07:00 PM to 04:00 AM PST?</li></ul>Work Location: In person

US Bookkeeping Specialist

Job Title: Inbound Specialist Location: Main Shahra-e-Faisal, Karachi Shift Timings: 07:00 PM to 04:00 AM PST Working Days: Monday to Friday Employment Type: Full Time and OnsitePosition Overview:Zue is seeking experienced and enthusiastic professionals with strong English communication skills and a solid background and prior experience in Virtual Assistance, CSR, Inbound and Outbound roles. The selected candidates will act as a crucial link between our company and its US-based customers/clients, ensuring their needs are met with efficiency and care.Key Responsibilities:<ul><li>Handle incoming customer calls with professionalism and empathy, addressing inquiries, concerns, and complaints effectively.</li><li>Provide accurate information and assistance to resolve issues, escalating complex matters when necessary.</li><li>Use company systems to access customer accounts, assist with online transactions, troubleshoot technical issues, and guide customers through web-based applications.</li><li>Promote and educate customers on self-service tools for improved efficiency.</li><li>Document customer interactions, issues, and resolutions accurately in the CRM system while maintaining organized records and generating reports when required.</li><li>Stay updated on company products, services, and policies to provide informed support.</li><li>Collaborate with colleagues and other departments to resolve customer issues and provide constructive feedback for continuous improvement.</li></ul>Requirements:<ul><li>Minimum 2 years of US customer service experience.</li><li>Bachelor&rsquo;s degree or A-Levels.</li><li>Proficiency in MS Office Suite.</li><li>Exceptional English communication skills (written and verbal).</li><li>Flexibility to work USA shift timings.</li></ul>Perks and Benefits:<ul><li>OPD and IPD Health facility for self, dependents, and parents</li><li>Life Insurance Coverage for self</li><li>Fuel Card for Male Employees</li><li>Free Pick &amp; Drop for Female Employees</li><li>In-House Gym Facility</li><li>Paid Leaves &amp; US Holidays</li><li>Referral Bonus</li></ul>Job Type: Full-timeWork Location: In personJob Type: Full-timeApplication Question(s):<ul><li>What is your current salary?</li><li>What is your expected salary?</li><li>If selected? Would you be able to join immediately?</li><li>Residential Area in Karachi?</li><li>Are you comfortable working onsite in the evening shifts/ US hours, i.e., 07:00 PM to 04:00 AM Pakistan Time?</li></ul>Work Location: In person

Customer Service Representative (Inbound)

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Card Operations Specialist

Card Operations Specialist

Products Lead - Cards

Products Lead - Cards

Denial Management Specialist

US Bookkeeping Specialist

Customer Service Representative (Inbound)