Division Head - Digital Payment Technology

Description

A Leading Bank is Hiring!

Position: Division Head Digital Payment Technology
Designation: Division Head
Department: Information Technology Group
Reporting to: Group Head Information Technology / Chief Information Officer

1. JOB PURPOSE

Manage the technology operations and delivery of digital payment platforms covering instant payment systems, interbank fund transfer links and card scheme payment rails ensuring platform availability, integration reliability, scheme compliance and timely execution of payment initiatives in line with bank policy and State Bank of Pakistan requirements.

2. KNOWLEDGE AND EXPERIENCE

Knowledge and Skills:

• Bachelor's / Master's degree (Preferably in Computer Science, Information Systems, Software Engineering or Electrical Engineering).
• Certification in ITIL, ISO 8583 based payment systems, PCI DSS or PMP from an accredited body.
• Working knowledge of State Bank of Pakistan payment systems regulations, RAAST participation rules, 1LINK operating framework and Visa or MasterCard scheme requirements.

Experience Profile:

Minimum 10 to 12 years of technology experience in banking or financial services including at least 5 years in payment systems, payment switch operations or card payment technology with team leadership responsibility.

Behavioral Competencies:

• Operational Discipline
• Problem Resolution
• Compliance Orientation
• Stake Holder Management

Responsibilities

1. Manage availability, performance and incident resolution of the RAAST payment platform, 1LINK payment switch and card scheme payment interfaces against defined service levels to ensure uninterrupted payment processing for customers and interbank counterparties.
2. Implement new payment products, features and regulatory mandates on the payment platforms within approved scope, budget and timelines to ensure the bank meets State Bank of Pakistan deadlines and customer payment demands.
3. Maintain integrations with 1LINK, EuroNet, RAAST, card schemes and settlement systems and monitor interface health, message flows and reconciliation status daily to ensure payment transactions settle accurately and discrepancies are resolved within agreed timelines.
4. Ensure compliance of payment platforms with scheme rules, certification requirements and change controls and maintain supporting evidence for audit and inspection to sustain a verified compliance posture across payment channels.
5. Track payment platform incidents, root causes and corrective actions and report monthly platform performance, transaction trends and open issues to the Line Manager to enable informed decisions on platform improvements.
6. Coordinate audit observations, inspection queries and scheme assessments covering the payment platforms and track closure of findings against committed timelines to ensure sustained regulatory compliance.
7. Build capability of the payment technology team through structured task allocation, performance feedback and skills development plans to ensure continuity of platform operations and delivery capacity.

Experience

10 Years

Apply By

Dec 1, 2026

Required Skills

• instant payment systems
• Team Leadership
• Incident Management
• Payment Reconciliation
• Digital payment platforms
• payment platform incident management
• regulatory mandates
• payment products implementation
• Payment Processing
• card scheme payment interfaces
• 1LINK payment switch
• RAAST payment platform
• payment initiatives
• scheme compliance
• integration reliability
• Platform Availability
• card scheme payment rails
• Interbank Fund Transfer

Nice to Have Skills

• Risk Management
• Stakeholder Management
• Compliance Orientation
• Problem Resolution
• Operational Discipline
• audit and inspection compliance
• MasterCard scheme requirements
• Visa scheme requirements
• 1LINK operating framework
• RAAST participation rules
• State Bank of Pakistan payment regulations
• PMP
• PCI DSS
• ISO 8583 payment systems
• ITIL