Credit Cards Associate – Operations & Technology | PwC India – Mumbai
Job Description
Summary
PwC India is hiring a Credit Cards Associate – Operations & Technology in Mumbai (Shivaji Park) for its Advisory/Operations practice. This role is ideal for professionals with 4–8 years of experience in credit card processing, operations, and technology, including card lifecycle management, CMS platforms, and payment solutions. The candidate will help banks and FinTechs implement, scale, and optimize card portfolios, driving customer engagement, operational efficiency, and business growth. PwC provides the opportunity to work on end-to-end card operations, product launches, and technology implementations, combining strategic advisory with hands-on execution.
Job Details at a Glance
| Job Title | Credit Cards Associate – Operations & Technology |
|---|---|
| Company | PwC India |
| Location | Mumbai (Shivaji Park) |
| Department/Practice | Advisory – Operations |
| Experience Required | 4–8 years |
| Education | BE/B.Tech/Postgraduate |
| Technical Skills | Credit Card Processing, CMS, SQL, APIs, Cloud, BRD/FRD, UAT |
| Optional Skills | Credit Cards Domain Expertise |
| Work Mode/Shift | Full-time, office-based |
| Industry | Banking, FinTech, Financial Services |
Responsibilities
Cards Business
- Design and implement new card products, including target segmentation, customer acquisition, loyalty programs, and P&L management.
- Provide consultation to banks and FinTechs on viable product propositions aligned with market expectations.
- Manage card portfolio growth, activation, engagement, and profitability.
- Develop end-to-end customer engagement campaigns for portfolio enhancement.
- Apply knowledge of credit and underwriting risk and scorecard analysis.
Cards Operations
- Oversee end-to-end credit, debit, and virtual card operations.
- Manage pre-issuance, authorization, disputes, collections, NPA, reconciliation, and settlement processes.
- Implement and enhance transaction authorization and fraud monitoring frameworks.
- Work with major Card Management Systems (CMS) and maintain process documentation, SOPs, and operational requirements.
- Conduct UAT and vendor management for operational processes.
- Drive automation initiatives to optimize existing operations.
Cards Technology
- Work as Business Analyst, Product Manager, or Product Owner in card payments domain.
- Handle end-to-end card issuing and processing implementations.
- Collaborate with card schemes for certifications, tokenization, and dispute resolution.
- Create BRDs, FRDs, and technical documentation for development and implementation.
- Utilize ISO 8583, scheme settlement files, simulators (VTS, MCPS), APIs, Postman, SQL, and cloud technologies for solutions delivery.
Skills and Qualifications
Mandatory Skills:
- Strong knowledge of credit card operations and processing.
- Hands-on experience in CMS platforms and card lifecycle management.
- Ability to develop technical documentation and conduct UAT.
Preferred Skills:
- Exposure to credit card product design, portfolio management, and customer engagement campaigns.
- Knowledge of APIs, cloud deployments, SQL, and data analysis.
- Experience in automation of card operations and technology integration.
Educational Requirements:
- BE/B.Tech or Postgraduate degree in relevant fields.
Benefits
- Opportunity to lead credit card initiatives for banks and FinTech clients.
- Exposure to emerging payment technologies and card lifecycle solutions.
- Structured mentorship and learning programs to support career growth.
- Competitive salary and comprehensive benefits for professional and personal well-being.
Apply Now
Take the next step in your career as a Credit Cards Associate – Operations & Technology at PwC India. Contribute to innovative card solutions and operational excellence for leading banks and FinTechs.