The Bank of Punjab
The Bank of Punjab has opened applications for a senior operations role in its cards business. The bank is looking for a Unit Head for Credit Card Reconciliation in Lahore, a position that sits inside the Credit Cards and Digital Banking Operations Division of the Operations Group. If you have spent years working with card settlements, merchant payments and reconciliation controls, this is a leadership seat that puts you in charge of making sure every rupee that moves through the bank’s card network is matched, settled and accounted for correctly.
Last date to apply: 12 November 2026. Applications are submitted online through the Bank of Punjab’s official recruitment portal.
Bank of Punjab Unit Head Jobs 2026 – Quick Facts
| Organization | The Bank of Punjab (BOP) |
| Position | Unit Head – Credit Card Reconciliation |
| Division | Credit Cards & Digital Banking Operations (Operations Group) |
| Location | Lahore, Punjab |
| Grade band | Band-5 to Band-3 |
| Minimum qualification | Bachelor’s degree or equivalent from an HEC-recognized university |
| Experience required | Minimum 9 years of banking or non-banking experience |
| Maximum age | 55 years as of the application date |
| Salary | Market-based competitive remuneration (exact figure not published) |
| How to apply | Online through the Bank of Punjab’s official recruitment portal |
| Last date | 12 November 2026 |
What the Unit Head Will Look After
Credit card reconciliation is the daily discipline that keeps a bank’s card business honest. Every time a customer swipes a card or a merchant settles a day’s sales, money moves between the bank, the card schemes, the payment processor and the merchant’s account. The Unit Head makes sure those movements agree with each other, and chases down every difference before it becomes a loss.
- Daily, weekly and monthly reconciliation of credit card settlements and merchant settlements
- Merchant Discount Rate (MDR) calculations and interchange fee reconciliation
- Matching processor statements against the bank’s internal General Ledger accounts
- Reconciliation of card scheme charges and vendor invoices
- Monitoring daily transactions to spot misuse, system errors, unauthorized charges and discrepancies
- Investigating breaks, ageing them, and escalating open items until they are cleared
Issuing, Acquiring and the Payment Networks
The role covers both sides of the card business: issuing (cardholder transactions) and acquiring (merchant settlements and Point-of-Sale networks). The Unit Head keeps working relationships with Visa, Mastercard and UnionPay International, plus settlement banks and processors, so settlement problems are resolved quickly.
Who Can Apply – Eligibility Criteria
| Qualification | Minimum Bachelor’s degree or equivalent from an HEC-recognized local or foreign university; no single academic discipline is specified |
| Experience | At least 9 years of banking or non-banking experience; experience in card operations, transaction processing, financial controls or reconciliation systems is especially relevant |
| Age limit | Maximum 55 years as of the date of application |
| Skills that matter | Reconciliation systems, settlement processes, scheme rules, operational controls, vendor and IT coordination, team training |
Important Dates
| Advertisement published | 29 October 2026 |
| Last date to apply | 12 November 2026 |
| Interviews | Only shortlisted candidates are contacted; no TA/DA is paid |
Automation, Reporting and Team Development
Beyond the daily matching work, the Unit Head leads efforts to replace manual reconciliation tracking with specialized software platforms, working with vendors and IT teams to fix systematic errors at their root. The role also prepares management reports on outstanding differences and open operational risks, and designs training updates so card teams stay current with scheme rules.
Documents Checklist – Keep These Ready
- Updated CV showing card operations or reconciliation experience
- CNIC copy
- Degree and academic transcripts
- Experience certificates from current and previous employers
- Recent passport-size photograph, if the portal asks for one
- A valid mobile number and email address for shortlisting contact
How to Apply for BOP Unit Head Jobs 2026
- Visit the Bank of Punjab’s official recruitment portal and find the Unit Head – Credit Card Reconciliation vacancy for Lahore.
- Read the eligibility criteria, responsibilities and age limit carefully before starting your application.
- Fill in your personal, academic and professional experience details accurately.
- Upload your updated CV and any documents the portal requests.
- Submit before 12 November 2026 and keep your application confirmation for reference.
Why This Role Is Worth Applying For
Senior reconciliation roles are rare in Pakistani banking, and this one carries real authority: the Unit Head owns the control function for an entire card portfolio. The Bank of Punjab is one of the country’s fastest-growing banks with over 900 branches, and its cards and digital banking division is central to that growth. For a banker with nine or more years in operations, this is a direct step into a Band-5 to Band-3 leadership grade with market-based pay. Note honestly that the bank does not publish an exact salary figure; treat any salary number on third-party sites as an estimate, not an official offer.
Frequently Asked Questions
What is the last date to apply for the BOP Unit Head post?
12 November 2026. Applications must be submitted online before the deadline.
What qualification is required?
A minimum Bachelor’s degree or equivalent from an HEC-recognized university. No specific discipline is mandatory, but card operations or reconciliation experience is highly relevant.
How much experience is needed?
At least nine years of banking or non-banking experience, with preference for candidates experienced in card operations, transaction processing and financial controls.
Where is the job located?
Lahore, Punjab, in the bank’s Credit Cards & Digital Banking Operations Division.
Is there an age limit?
Yes. Applicants must be no more than 55 years old as of the application date.
Will the bank pay travel expenses for the interview?
No. The advertisement states that no TA/DA is admissible, and only shortlisted candidates are called for interviews.
Fraud warning: The Bank of Punjab never asks applicants to pay money for processing, shortlisting or appointment, and it never recruits through unofficial WhatsApp numbers or agents. Apply only through the bank’s official recruitment portal. If anyone demands payment or personal banking details in exchange for a job, do not pay — report it to the bank. Always confirm the vacancy on the official portal before submitting your application.
To apply for this job please visit www.bop.com.pk.