HRINC (Cambodia) Co., Ltd

Manager, Card Issuing

Banking / Financial ServicePosted 7/8/2026

Location

Phnom Penh

Job Type

FULLTIME

Experience

5+ Years

Level

Lead

Work Mode

On-site

Industry

Banking / Financial Service

Languages

Khmer, English

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About the role

Lead and manage the overall card issuing business for Credit, Debit, and CSS portfolio, including growth strategy and performance tracking.
Develop and manage card product propositions (features, benefits, pricing, fees) for VISA, Mastercard, and CSS cards.
Drive card acquisition, activation, and usage campaigns to increase portfolio size and transaction volume across all schemes (VISA, Mastercard, CSS).
Monitor and optimize portfolio performance metrics including active rate, spend per card, and transaction volume.
Manage portfolio segmentation strategies (active/inactive, usage behavior, spend categories) to improve engagement and retention.
Oversee product lifecycle management including new product launches, enhancements, and migration across schemes (including CSS).
Track and optimize revenue streams including interchange, fees, FX income, and interest income.
Coordinate with Risk, Fraud, and Collections to ensure portfolio quality, credit performance, and fraud control are maintained.
Work closely with Marketing and Digital teams to drive campaign effectiveness and digital usage (eCommerce, contactless, tokenization where applicable).
Ensure compliance with card scheme rules (VISA, Mastercard, CSS), regulatory requirements, and internal policies.
Prepare and present portfolio performance reports and business insights to management.
Collaborate with IT and Operations to enhance system capabilities and customer experience.
Lead process improvement and automation initiatives to improve efficiency and data accuracy.
Manage relationships with card schemes and network partners, including VISA, Mastercard, and CSS.
Train and supervise team members within the Issuing Business and Portfolio unit.

Requirements

Bachelor’s degree in business administration, Finance, Banking, Marketing, or related field.
Minimum 5–8 years of experience in card issuing, product, or portfolio management in banking.
Strong understanding of card business across VISA, Mastercard, and CSS networks.
Experience managing Credit, Debit, and/or CSS portfolios is highly preferred.
Knowledge of card scheme rules, pricing models, and regulatory requirements.
Strong analytical skills in portfolio management, segmentation, and performance tracking.
Proficient in MS Excel and data analysis/reporting tools.

Required Skills

Business AdministrationFinanceBankingMarketingCard IssuingProduct ManagementPortfolio ManagementVISAMastercardCSS NetworksCredit Card ManagementDebit Card ManagementCard Scheme RulesPricing ModelsRegulatory RequirementsAnalytical SkillsSegmentationPerformance TrackingMS ExcelData Analysis

About HRINC (Cambodia) Co., Ltd

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HRINC is the leading provider of HR Services to the Cambodia market and expanding to the South East Asia region. We support multinational companies and leading ASEAN conglomerates and SMEs with their Human Resource needs, from consulting and market intelligence, to outsourcing and compliance as well as recruitment.

Industry

Banking / Financial Service

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