Credit Card Lead

Investec is seeking an experienced and strategic Credit Card Ops Leader to drive the creation and implementation of our new credit card platform from the ground up. This pivotal role will be responsible for building a comprehensive, secure, and client-focused credit card capability, including the setup and management of the unsecured lending process and associated risk management.

As a key player within our Banking Operations team, you will lead the operational aspects of the credit card platform, positioning Investec as a leader in innovative credit solutions for our clients.

You will also have line management responsibility for the operations analyst working on the debit card offering, in order to create a holistic card offering that is efficient and joined up end to end.

Key Responsibilities:

Platform Development

As a team, partner with technology to build a robust, scalable credit card platform, including system design, integration, and deployment, tailored to meet the needs of private banking clients.

Unsecured Lending Setup

Establish and oversee the unsecured lending process for credit card facilities, ensuring alignment with the bank's credit policies and risk tolerance.

Risk and Compliance Management

Implement and manage risk assessment protocols and compliance measures, ensuring all lending activities align with regulatory and industry standards for data security, fraud prevention, and consumer protection.

Strategic Roadmap

Develop and execute a comprehensive strategy and roadmap for the credit card platform, in partnership with technology, aligning with the bank's broader growth and digital transformation goals.

Technology Architecture

As a team, design and optimise the credit card system architecture, ensuring seamless integration with other banking systems, scalability, and performance optimisation.

Vendor and Partner Management

Select and manage third-party vendors and partners for processing, security, and integration needs, ensuring quality and alignment with the bank's objectives.

Data-Driven Insights

Work closely with analytics teams to leverage data for insights into customer behaviour, credit risk, and portfolio performance, informing decisions that enhance client engagement and operational efficiency.

Cross-Functional Collaboration

Collaborate with product, compliance, risk management, and customer experience teams to ensure the credit card platform meets business requirements and client expectations.

Core Skills & Experience

•10+ years of experience within credit/debit card services, unsecured lending, or financial services.

• Proven track record of building or scaling credit card or lending platforms, including experience with unsecured credit, risk management, and compliance.

• Strong knowledge of risk management practices for unsecured lending, with a focus on regulatory compliance and fraud prevention.

• Technical expertise in payment processing, credit decision engines, and credit card network integration.

• Familiarity with Agile methodologies and experience managing large-scale, cross-functional projects.

• Excellent problem-solving and decision-making skills, with the ability to navigate complex regulatory and technical challenges.

• Exceptional communication and leadership skills, with the ability to influence and align stakeholders at all levels of the organization.