FTE role | Credit Cards SME (Product Analyst)

E-Solutions Group - Berkeley Heights, NJ

Full-time

Berkeley Heights, NJ

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services

About the position

The Cards SME (Product Analyst) role is focused on leveraging expertise in credit card systems to design, optimize, and implement innovative card-based solutions within the banking sector. The position requires a deep understanding of credit card operations, compliance with industry standards, and collaboration with various teams to enhance product offerings and ensure regulatory adherence.

Responsibilities

• Provide expert knowledge in credit card systems, including credit, debit, prepaid cards, onboarding, account opening, authorization, A/R receivables processing, A/C payables, and collections.
• Offer insights into industry trends, regulatory requirements, and emerging technologies related to credit cards.
• Lead the implementation of BIAN standards within credit card systems.
• Ensure alignment of card product development and integration with BIAN frameworks.
• Collaborate with Product, Engineering, and IT teams to design and develop innovative card solutions.
• Advise on card product configurations, features, and integration with existing banking/payment systems.
• Enhance card issuance, processing, dispute resolution, authorization, and settlement processes.
• Identify and implement improvements in card transaction workflows and suggest automation solutions.
• Ensure card products comply with local and international regulations.
• Conduct regular risk assessments and audits to mitigate fraud, security breaches, and data compromise.
• Provide training and mentorship to internal teams on card-related processes and best practices.
• Serve as an escalation point for complex card-related issues.
• Liaise with external partners, vendors, and payment networks to ensure seamless product integration and compliance.
• Report on card program performance and improvements to leadership.

Requirements

• At least 7 years of experience in the card's domain (credit, debit, prepaid) within financial services or fintech.
• Proven track record in card product development, transaction processing, and operational management.
• Practical experience in implementing BIAN standards.
• Strong understanding of card processing systems, including authorization, clearing, and settlement.
• Familiarity with ISO 8583 messaging, EMV standards, and PCI DSS compliance.
• Knowledge of fraud detection techniques, dispute resolution, and regulatory compliance.
• Proficiency in payment gateway integration, acquiring/issuing processes, and reconciliation.
• In-depth understanding of BIAN standards and their application in card product development and integration.
• Excellent verbal and written communication skills.
• Ability to convey complex technical concepts to non-technical stakeholders.

Nice-to-haves

• Experience with emerging payment technologies such as mobile payments, tokenization, and blockchain.
• Previous involvement in digital transformation projects in the financial industry.
• Understanding of global card schemes and regional payment networks.