Operations Manager Credit Card

M. RAMZEEN KAMALDEEN

SUMMARY

Seasoned banking professional with an illustrious 31-year career,

comprising 11 years of adept IT Operations Management and Project Management, coupled with an impressive 16-year tenure in credit card domain leadership. A proficient Domain Strategist in Credit and Debit cards operations, specializing in end-to-end functionality design, process optimization, card operations, digital payments, risk management, and system functionality. Extensive experience across the Middle East, Africa, South Asia, and Southeast Asian regions within the SCB Footprint. Detail-oriented risk management specialist versed in financial analysis and reporting. Brings advanced understanding of market conditions and trends, risk mitigation strategies and financial decision-making. Expert in diverse statistical analyses techniques.

EXPERIENCE

Director, Group Credit Cards Financial Transacting, 11/2019 – 02/2024 Standard Chartered Bank

• Designed and executed credit card financial transacting journeys on a global scale across the SCB footprint, ensuring seamless and efficient customer experiences.

• Collaborated closely with Group Credit Cards Product teams to enhance client experiences and strategically advance priorities within Standard Chartered Bank's Retail Banking Business.

• Pioneered a cost-saving initiative resulting in approximately US$ 1 million savings in card plastic procurement through a comprehensive Global RFI process.

• Lead a transformative project aimed at automating and digitizing the card dispute journey across 11 markets, improving operational efficiency and customer satisfaction.

Senior Manager, Group Retail Operations, 06/2017 - 10/2019 Standard Chartered Bank

• Led as core solution designer for SCB's Credit Cards Management system and rewards platform, ensuring streamlined and innovative design to enhance customer experience.

• Spearheaded strategic initiatives to standardize processes and system functionalities across SCB markets, optimizing efficiency and consistency.

• Ensured consistent adherence to regular scheme compliance requirements, fostering technical relationships with card scheme operations to maintain smooth operations.

• Managed diverse business, regulatory, and sanctions-related requirements for credit cards across SCB's global operations, ensuring compliance and risk mitigation.

CONTACT

Address: Halifax, NS, Canada

Phone: +1-902-***-****

Email: *******.*********@*****.***

SKILLS

• Budget and P&L Management

• Account Management

• Credit card Management System

• Customer Trend Analysis

• Process Management

• Operations Management

• Product Management

• Business Administration

• Strategic Planning

• Customer Service

• Team Building and Leadership

• Relationship Building

EDUCATION AND

TRAINING

2019

Postgraduate Institute of

Management (PIM) - Sri Lanka

• MBA (General Business

Management) with a GPA of 6.0

1992

Royal Institute - Sri Lanka

• GCE Advanced Level (Sri Lanka) –

Successfully sat for Pure

Mathematics, Applied Mathematics,

Senior Manager, Product Engineering, 10/2013 - 05/2017 Standard Chartered Bank

• Identified opportunities for improvement and standardization throughout the Credit Card product life cycle within SCB's global footprint, enhancing efficiency and consistency.

• Managed and controlled system parameters for credit cards, maintaining accuracy and relevance in alignment with evolving industry standards and regulations.

• Played a pivotal role in ensuring standardized, efficient, and compliant Credit Card operations across various markets, contributing to SCB's global credit card success.

• Conducted thorough problem analysis to identify challenges within Credit and Debit card processes, proposing and implementing effective solution designs to mitigate issues.

Project Manager, Cards and Channels, 04/2006 - 09/2013 Standard Chartered Bank - MESA

• Demonstrated expertise in EMV migration, managing the transition to EMV technology in compliance with industry standards and security protocols.

• Provided comprehensive oversight of payment scheme activities, operations, risk management, and MIS to ensure seamless and secure transaction processes.

• Successfully managed and led all consumer banking operations projects for the expansive MESA region, with a primary focus on credit cards and efficient cheque clearing processes.

• Leveraged a strategic approach to navigate the intricacies of consumer banking operations, ensuring optimal functionality, risk mitigation, and adherence to industry regulations.

Senior Officer, Card Projects, 10/2004 - 04/2006

Standard Chartered Bank - MESA

• Managed All Credit card related changes for the MESA region.

• Provided strategic direction and oversight to staff, ensuring successful completion of assigned tasks.

• Developed and implemented policies and procedures for effective operations.

• Conducted performance reviews with direct reports, providing feedback and guidance to improve efficiency.

Senior Officer, Regional Data Centre, 01/1997 - 09/2004 Standard Chartered Bank - MESA

• Led IT operations for the expansive MESA region, managing the Regional Data Center (RDC) that effectively oversaw core banking operations for over 12 countries and managed credit card operations for around 8 countries.

• Oversaw a complex ATM network that spanned across 5 countries, along with local switch networks and connections to major payment schemes such as VISA and Mastercard.

• Demonstrated expertise in managing critical financial operations, maintaining the integrity and efficiency of core banking and credit card activities across diverse countries.

• Built effective partnerships with payment schemes, networks, and Physics and Chemistry

1991

Aquinas College - Sri Lanka

• GCE Advanced Level (Ed Excel) –

Successfully sat for Pure

Mathematics, Physics and

Chemistry.

1987

St Benedict's College - Sri Lanka

• GCE Ordinary Level (Sri Lanka) –

Successfully sat for Mathematics.

English, Tamil, Science, Health

Science, Social Studies, Commerce

& Accounts.

ACCOMPLISHMENTS

• Launched 7 new credit card

markets for SCB in Middle East,

Africa and Southeast Asia since

2004.

• Successfully managed over 30

payment card compliance testing

since 2004

• SCB Chairman's award nominee in

2004, for the Regional Data Centre

migration in Dubai.

• Launched over 30 plus credit card

products across SCB footprint

including Islamic Credit card

products in 3 markets.

• Implementation specialist for Debit

card EMV migration for SCB in UAE

and Africa

• Migrated 14 markets into EMV

compliance for credit cards.

• Conducted over 15 Credit cards

training across the SCB Footprint

CERTIFICATIONS

MIT Sloan School of Management and

Emeritus (2021)

• Certificate in Digital

Transformation – Platform

Strategies for Success

British Computer society (2004 - 2017)

• Professional Member

stakeholders, contributing to the success of IT operations while adhering to industry standards and regulatory requirements. System Controller, 04/1995 - 01/1997

Standard Chartered Bank - Sri Lanka

• Monitored system performance and identified potential issues.

• Developed, tested and implemented system controls to ensure accuracy of data input.

• Conducted regular maintenance on the system to increase efficiency and reliability.

• Provided technical support for users experiencing difficulties with the system.

Management Accounts Clerk, 08/1993 - 04/1995

Standard Chartered Bank - Sri Lanka

• Played a pivotal role in annual budget formulation and forecasting, leveraging financial insights to contribute to strategic decision-making.

• Introduced innovation by creating the inaugural menu-driven Country budget package, streamlining the budget preparation process and demonstrating leadership in forward-thinking solutions.

• Spearheaded the automation of data extraction and report production within the finance unit, enhancing operational efficiency and data accuracy.

• Collaborated effectively with cross-functional teams, contributing to seamless financial processes, accurate reporting, and compliance with regulatory requirements.

Data Entry Clerk, 02/1993 - 07/1993

Standard Chartered Bank - Sri Lanka

• Reviewed entered data for accuracy and completeness, cross-checking it with source documents to ensure consistency.

• Ensured compliance with all relevant rules and regulations governing data entry activities.

• Prepared summaries of daily work completed for review by supervisors.

• Maintained confidentiality of sensitive information entered into the system.

Contact this candidate