Careers/ Join uab/ Head, Cards and Merchants ​

Head, Cards and Merchants

We are currently seeking an experienced professional to join the Retail Banking team in the role of heading our Cards and Merchants section. The role will oversee the development of Debit Cards, Credit Cards, POS and eCommerce business.

Principal Responsibilities

  • Assume overall responsibility for the Cards and Merchants business performance and operational efficiency
  • Develop and implement cards and merchants acquisition strategies
  • Explore new opportunities through innovative product development and strategic partnerships to drive revenue growth
  • Work with Product Marketing team to develop campaign mechanics and proposition to drive card acquisition and usage
  • Work closely and actively engage with respective sales channels for cards and merchants’ acquisitions
  • Work closely with IT and Operation to ensure smooth and timely delivery of Cards and Merchants related projects
  • Supervise the Cards Operation Section on the followings: –
    • Provides direction & support to all customer touchpoints & operational functions in fulfilment of customer experience through digitisation and automation initiatives
    • Continuously enhance risk management practices to prevent fraud in the issuing and acquiring business
    • Implement and monitor credit card collection effort to improve NPL ratio
    • Improve settlement process and time
    • Enhance customer and merchant service level
  • Analyse cards and merchants Profit and Loss report to identify areas for improvement
  • Develop and update cards and merchant’s business and financial performance to the respective committees
  • Build relationship with all stakeholders including but not limited to the partners, merchants, cards associations, service providers and others
  • Ensure full compliance with internal policies, card associations and Central Bank of Myanmar and other relevant authorities


  • Minimum 10 years working experience in retail banking, preferably in the card and merchant industry
  • Evidence of strong analytical, statistical to identify opportunities to grow the card and merchant business & drive incremental card and merchant transactions
  • Ability to think out-of-the-box to craft innovative campaigns and able to establish strategies to drive customer and merchant loyalty, increase activation rate and reduce attrition rate
  • Evidence of strong business decision making & have good planning & organization skills
  • Minimum requirement of Bachelor’ Degree is needed for the role