Department: Cards & Payments Division (Digital Banking Group)
Grade: Band-7 to Band-5
Number of Positions: 01

Key Responsibilities

Commercial Strategy & Revenue Growth

• Own and drive acquiring and alliances revenue targets.
• Develop annual commercial strategies for merchant acquisition, portfolio expansion, alliance development, and pricing.
• Maintain full profit and loss (P&L) accountability.

Strategic Alliance Development

• Identify, negotiate, and establish partnerships across retail, hospitality, food & beverage, apparel, and FMCG sectors.
• Manage the complete alliance lifecycle, from opportunity identification to activation and performance monitoring.

Sales Leadership

• Lead and develop the acquiring sales team.
• Set performance targets and establish structured sales pipeline and CRM practices.
• Drive the team to exceed commercial objectives.

Merchant Portfolio Management

• Oversee merchant and alliance portfolios.
• Conduct regular account reviews and implement retention strategies.
• Increase wallet share through incentives, cross-selling, and value-added solutions.

Product & Market Development

• Gather merchant feedback and provide insights for product enhancement.
• Assess new business opportunities, loyalty integrations, and co-branded initiatives.

Pricing & Commercial Negotiations

• Lead MDR and commercial pricing negotiations.
• Monitor industry benchmarks and ensure sustainable profitability.

Market Intelligence

• Track competitor products, pricing strategies, and partnership initiatives.
• Recommend actionable strategies to strengthen market positioning.

Compliance & Risk Management

• Ensure adherence to SBP regulations, Visa, Mastercard, and 1LINK requirements.
• Maintain compliance with AML/CFT standards.
• Report commercial risks and portfolio performance to senior management.

Eligibility Criteria

Education

• Minimum Bachelor's degree from an HEC-recognized local or foreign university.

Experience

• Minimum 7–9 years of relevant Banking or Non-Banking industry experience.

Age Limit

• Up to 55 years (as of the application closing date).

Why Join BOP?

• Market-competitive compensation package.
• Opportunity to work in a leading digital banking environment.
• Exposure to strategic partnerships and business growth initiatives.
• Inclusive and equal-opportunity workplace.

How to Apply

Interested candidates are encouraged to submit their applications through the Bank of Punjab's official careers portal before the closing date.

Important Notes

• Only shortlisted candidates will be contacted for interviews.
• No TA/DA will be admissible.
• BOP reserves the right to accept or reject any application without assigning any reason.
• Females, minorities, differently-abled persons (DAPs), and transgender individuals are strongly encouraged to apply.

🔎 Source: Official Careers Portal

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