Head of Card Issuing and Merchant Aquiring (f/m/d)

What you can expect from us

• Prepare business and commercial reports and insights for senior management and board-level discussions.
• Collaborate cross-functionally with IT, sales, operations, CRM, finance, accounting planning and external stakeholders and partners to achieve objectives.
• Lead, mentor, and develop a high-performing team of professionals in the card based payments domain.
• Ensure adherence to regulatory requirements and industry standards (e.g., PCI DSS, PSD2).
• Ensure customer-centric service delivery through user-friendly solutions, robust support, and value-added offerings.
• Ensure sales coordination of Issuing and Acquiring products leveraging on different UCBA channels
• Develop pricing strategies, partnership agreements, and operational efficiencies to enhance margins.
• Drive revenue generation and optimize profitability across Issuing and Acquiring portfolios.
• Ensure a seamless, secure, and efficient experience for cardholders and merchants.
• Oversee the design, development, and deployment of innovative card products and merchant solutions.
• Develop growth initiatives targeting customer acquisition, retention, and market share.
• Align business objectives with organizational goals, market trends, and competitive landscape.
• Define and execute the overall strategy for Card Issuing and Merchant Acquiring services.

What we expect from you

• Proven track to deal with International Card Schemes (e.g. Visa, Mastercard, JBL, Amex etc.) and third parties (e.g. processors)
• Strong managerial skills to deliver business performances and product innovation through the coordination of Card Issuing team and Merchant Acquiring team
• Capability to drive complex projects in the Issuing and Acquiring space
• Leadership, communication, and stakeholder management skills.
• Strong knowledge of card based payment systems, regulatory environments, and emerging trends at local and continental levels.
• Proven track record of driving growth, innovation, and operational excellence in payments preferably in an international environment
• 10+ years of experience in Card Issuing, Merchant Acquiring, or payments industry.
• Bachelor's or Master's degree in Business, Finance, Technology, or related fields.

Our offer to you

A modern working environment with a certified family-friendly employer, where you actively shape the future

• Visibility to support future professional development prospects
• Working in a continuously evolving dynamic international environment, as part of an inspired and well-diversified team
• Working on topics with key and growing strategic focus for UniCredit and contributing to the strategic evolution of the related customer product and service offering
• Being part of the development and growth of Bank Austria and contributing to designing the transformation of the Bank's payments strategy
• Health Center with an extensive preventive and well-being offer as well as use of the UniCredit sports and leisure centre on Kaiserwasser
• Kindergarten at the Austria Campus with reserved space for employees
• Numerous employee benefits (discounts, bonuses)
• Exclusive benefits in the largest company cafeteria in Europe
• Attractive career and further training opportunities
• Work-life balance: flexible working hours and a wide range of voluntary social benefits
• An open, dynamic, international working atmosphere
• Smart Working at the Austria Campus or Remote Work
• Central location of the Austria Campus with direct connections via train, U1 and U2
• Accessibility
• Offer of discounted and free banking products
• A competitive salary dependent on your professional and personal qualifications is granted - the minimum wage for this fulltime position in accordance with the respective collective agreement is EUR 90.000,- gross per year.

As an employer, we offer equal opportunities. Together, we create a working environment that welcomes diverse thinking and inclusive behavior. By making all voices heard and leveraging "diversity of thought" regardless of gender identity, age, ethnicity, sexual orientation, physical and mental ability or cultural background, we ensure sustainable growth and new business opportunities, a strong drive for innovation and creativity as well as an overall improvement of the working environment with a positive impact on productivity, well-being and engagement of our people.
#Unlockabettertomorrow #WhenYOUbecomeUS

Application details:

• Location: Wien
• Start: as early as possible
• Contact: P&C EmployerBranding, Recruiting & CareerAdvisory, bankaustria_pc_talent_attraction@unicreditgroup.at

Apply now

Benefits for our employees

Professional advancement

• Days off for education
  You can get up to 5 days off for exams; learning offer, talent & leadership development, professional certifications
• Mentor program
  You can enroll in our mentor program and connect with a suitable mentor or mentee locally and globally
• Talent programs
  You can participate in various talent programs for different seniority levels locally and globally

Health & Social

• Health care
  Bank Austria offers health care and specialized checks and treatments within the offer of a health center at Campus Vienna and health services in all federal states
• Health and welfare fund
  Bank Austria provides you with financial support for various health and social benefits, eg. childcare contribution
• Pension fund
  Bank Austria is contributing to your VBV pension fund which starts three effective years after the beginning of employment

Work-Life Balance

• Vacation care for children *
  Bank Austria organizes holiday camps and workshops for your children at „UniCredit Center Kaiserwasser" in Vienna.
• Kindergarden on Campus *
  Bank Austria offers a discounted use and guaranteed spot in the Kindergarden on Campus in Vienna for children of employees working there
• Wellness and sports *
  You can get discounted wellness and sports offers and participate in sport teams at „UniCredit Center Kaiserwasser" in Vienna.
• Flexible Working Hours
  Bank Austria offers a flexible working model. This allows you to arrange your time freely and be more flexible
• Hybrid work within Austria
  You can get local flexibility through the possibility to work remotely (possibility and extent is organized in the team)

More Benefits

• Meals *
  At the Campus Vienna you can enjoy free coffee and use the canteen with reduced prices. Outside the Campus Vienna you will receive meal vouchers.
• Bank Products and Advisory
  You get employee discounts on banking products and services, eg. free bank account
• Referral Program
  Bank Austria offers a monetary reward for referring a new employee

Diversity, Equity & Inclusion (DE&I)

• Gender parity, equal opportunities, and fair pay
  Boost gender-balanced representation at all levels, with a focus on increasing the number of women in management positions, and ensure fair pay
• Accessibility
  Increase digital and physical accessibility for all our employees and customers
• Employee Resource Groups
  Promote creation and development of ERGs (Employee Resource Groups), amplifying employee voices about the needs of their communities and concretely addressing critical issues through an open dialogue
• depending on location (Vienna / federal states)