Unit Head - Credit Card Reconciliation
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Full job description
Salary: PKR Negotiable
The Bank of Punjab, one of Pakistan's fastest growing banks with a network of more than 900 branches, is looking for a Unit Head to run credit card reconciliation in its Cards and Digital Banking Operations Division in Lahore. The role covers both sides of the card business, issuing and acquiring, and needs someone who can keep settlements accurate, controls tight and reporting reliable. The bank offers market-based competitive remuneration. Applications close on 12 November 2026 through the bank's careers portal.
What we're looking for:
- Minimum Bachelor's degree or equivalent from an HEC-recognized local or foreign university.
- At least 9 years of banking or non-banking experience, ideally with strong exposure to cards operations and reconciliation.
- Good understanding of card schemes, settlement processes and reconciliation controls.
- Able to lead a team, train staff on card network rules and operational controls, and report clearly to management.
- Age up to 55 years as of 12 November 2026.
Key Responsibilities & Deliverables:
- Run the daily, weekly and monthly reconciliation of credit card and merchant settlements, covering interchange and MDR fees, processor statements and internal ledger accounts.
- Look after both issuing and acquiring reconciliation, including scheme charges, merchant settlements, POS networks and vendor invoices.
- Clear variance backlogs and unmatched or ageing items promptly, and keep open items under control.
- Stay in touch with Visa, Mastercard, UPI, settlement banks and third-party processors on settlement matters.
- Put in place and maintain internal controls for the unit, and watch daily transactions for misuse, errors or unauthorised charges.
- Work with vendors, IT and core banking teams to fix recurring processing problems and move manual tracking onto proper reconciliation software.
- Prepare management reports on ageing breaks, open risks and financial impact, and keep the unit's audit and control ratings at an acceptable level.
Skills & Tools:
Position: Unit Head - Credit Card Reconciliation
Work: On-site
Salary: Market Competitive
Company: THE BANK OF PUNJAB
Work Location: Lahore, Pakistan
Apply by sending your CV + profile through Jobswala.
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