Deputy General Manager – US Retail Banking Jobs in Pune | Cognizant Careers 2025

August 25, 2025 Indianjobhub

Deputy General Manager – US Retail Banking (Pune) at Cognizant: Drive Innovation in Cards, Payments, and Banking Operations

The financial services industry is evolving at a rapid pace, with retail banking operations in the United States experiencing significant change due to regulatory updates, digital adoption, and shifting consumer expectations. Cognizant, a global leader in professional services and digital transformation, is seeking an accomplished Deputy General Manager (DGM) – US Retail Banking to join its Pune office. This role offers a unique opportunity for seasoned professionals with deep expertise in US retail banking, cards and payments, debit/credit dispute management, and advanced MS Excel analytics to play a pivotal part in driving operational excellence.

With over 15 years of industry experience, the ideal candidate will not only ensure the smooth running of daily operations but also contribute to strategic growth, compliance, and process innovation. This is a work-from-office role in Pune with exposure to global teams and U.S. clients, requiring flexibility to work in US shifts.

Why This Role Matters

The US retail banking sector is increasingly complex, with institutions facing mounting pressure to deliver seamless card services, reduce fraud, resolve disputes quickly, and comply with stringent regulations. Cognizant is committed to partnering with banks and financial institutions to streamline these challenges.

The Deputy General Manager role is designed for a leader who thrives in operational excellence, process optimization, and cross-functional collaboration. By managing banking operations, debit/credit card dispute processes, and client relationships, the DGM will ensure that business goals align with customer satisfaction, regulatory standards, and profitability.

Key Responsibilities

As the DGM – US Retail Banking (Pune), the selected candidate will undertake a diverse range of strategic and operational responsibilities:

1. Operations Leadership

Direct the daily functioning of retail banking and card/payment services to ensure smooth operations.
Ensure accuracy, efficiency, and compliance across the department.
Address operational bottlenecks and proactively identify areas of improvement.

2. Advanced Data Analysis

Leverage MS Excel expertise to analyze large sets of banking data.
Generate meaningful insights, create performance dashboards, and prepare management reports.
Present analytical findings to senior leaders, COO teams, and business stakeholders for decision-making.

3. Cards & Payments Dispute Management

Direct processes involving debit and credit card dispute resolution, ensuring timely and compliant handling.
Monitor risk exposure, minimize potential losses, and establish preventive mechanisms.
Collaborate with clients and regulatory teams to meet strict dispute resolution guidelines.

4. Client and Stakeholder Engagement

Work closely with clients, product specialists, COO teams, and distribution leaders to support new business initiatives.
Drive client confidence by ensuring transparent communication and reliable delivery.
Act as a strategic partner in expanding business opportunities and strengthening relationships.

5. Project Delivery

Lead projects from inception to execution, ensuring adherence to timelines, budgets, and quality expectations.
Prepare business requirement documents, project plans, and risk assessments.
Deliver enhancements to client tools, reports, and systems by partnering with IT and testing teams.

6. Performance & Team Management

Establish consistent hiring practices and oversee team performance management.
Mentor and train team members to improve technical, operational, and leadership skills.
Create a collaborative and motivating environment to retain talent and foster growth.

7. Compliance & Risk Oversight

Guarantee that all operations adhere to US retail banking regulations and company policies.
Conduct periodic audits, track performance metrics, and report compliance updates to senior leadership.
Anticipate regulatory changes and prepare operational processes accordingly.

8. Continuous Improvement

Implement improvement initiatives aimed at streamlining workflows and lowering operational costs.
Evaluate technology adoption opportunities to automate manual tasks.
Drive organizational change initiatives to enhance scalability and operational efficiency.

Qualifications & Skills Required

The position demands a highly experienced leader with a blend of technical, domain, and leadership expertise. The following qualifications and skills are required:

Educational Background: Graduate or Postgraduate degree; professional certifications in banking or payments preferred.
Experience: Minimum of 15+ years of work experience, including 8+ years in US retail banking operations.
Technical Proficiency: Advanced skills in MS Excel, including pivot tables, macros, complex formulas, and data visualization.
Domain Knowledge: In-depth exposure to cards and payments operations, especially in debit/credit dispute processes.
Leadership Skills: Strong people management skills with experience in hiring, training, mentoring, and performance monitoring.
Analytical Abilities: Ability to synthesize large data sets, spot trends, and deliver actionable insights.
Regulatory Awareness: Comprehensive knowledge of banking regulations, compliance standards, and risk mitigation practices.
Strong written and verbal communication abilities to effectively engage with clients, stakeholders, and international teams.
Project Management: Proven track record of delivering projects within deadlines and managing multiple stakeholders.
Adaptability: Comfort with US time zones and hybrid work models.
Team Development: Ability to nurture high-performing teams through training and coaching.

Career Growth Opportunities

Joining Cognizant as a Deputy General Manager in US Retail Banking opens up pathways to leadership roles in operations, consulting, and digital transformation. The individual will gain:

Exposure to international banking operations and high-impact client engagements.
Opportunities to lead cross-functional initiatives across payments, compliance, and process automation.
A chance to shape Cognizant’s global retail banking strategy and influence client transformation journeys.
Long-term career advancement through mentorship, training, and international exposure.

Life at Cognizant

Cognizant fosters a culture of collaboration, inclusivity, and innovation. With more than 300,000 associates worldwide, the organization empowers its people to thrive in an environment where ideas are encouraged, contributions are valued, and success is shared.

Inclusive Culture: Cognizant ensures equal opportunities, celebrating diversity across race, gender, and background.
Global Impact: Teams collaborate worldwide, bringing together expertise to solve client challenges.
Employee Support: Associates benefit from wellness programs, upskilling opportunities, and a supportive workplace.
Innovation-Driven Environment: Employees work on cutting-edge projects that transform industries.

About Cognizant

Cognizant stands as a global leader in professional services, empowering clients to design, develop, and operate digital-first enterprises. By combining technology, consulting, and industry knowledge, Cognizant helps organizations across industries drive growth and efficiency.

Headquarters: Teaneck, New Jersey, USA
Global Workforce: Over 300,000 professionals across 65 countries
Recognition: Featured on the NASDAQ-100 Index and named among Forbes’ World’s Best Employers 2024
Focus Areas: Digital transformation, cloud modernization, AI/ML solutions, and financial services innovation

Cognizant continues to be a trusted partner to leading banks and financial institutions, helping them navigate regulatory complexities, embrace digital banking, and improve operational efficiency.

Equal Opportunity Commitment

Cognizant is proud to be an equal opportunity employer. Employment decisions are made without regard to race, color, religion, gender identity, sexual orientation, disability, veteran status, or any other protected category.

For candidates requiring reasonable accommodation during the application or interview process, Cognizant offers dedicated support. Applicants may contact CareersNA2@cognizant.com for assistance.

Why Apply for the DGM – US Retail Banking Role?

This opportunity is ideal for senior professionals looking to:

Make a significant impact in the US retail banking and payments domain.
Work closely with global teams, clients, and leadership.
Drive operational innovation and strategic business growth.
Build a fulfilling career at one of the world’s most admired professional services companies.

If you have the technical expertise, leadership acumen, and domain knowledge required for this role, Cognizant invites you to bring your career to the next level by applying for the Deputy General Manager – US Retail Banking (Pune) position today.

Final Thoughts

The Deputy General Manager role in US Retail Banking at Cognizant Pune is more than just an operational leadership position—it’s an opportunity to shape the future of banking operations, strengthen client partnerships, and contribute to Cognizant’s mission of digital transformation.

With a blend of technical mastery, operational insight, and leadership skills, this role is tailored for individuals eager to transform banking processes while working in a dynamic and supportive global environment.

Apply Here

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