Associate Digital Payments - DFS

Mobilink Microfinance Bank Ltd. (MMBL) is seeking a detail-oriented and knowledgeable Associate Digital Payments - DFS to join our team at the Head Office. This role focuses on managing financial postings related to deposits, credits, receivables, payables, taxes, and FED within the bank’s digital financial services. The ideal candidate will play a crucial role in handling liquidity management solutions for agents, ensuring smooth inflow and outflow of funds, and supporting various financial operations linked to Jazz Cash and other services. This position requires a strong understanding of financial systems, compliance with banking regulations, and effective coordination with multiple internal and external stakeholders to maintain seamless digital payment services.

Key Responsibilities:
- Manage agent liquidity solutions including bulk disbursements, commissions for promotional campaigns, and Jazz Cash replenishment for MMBL branches and PMCL call centers, covering morning cash-in, evening cash-out, and periodic reimbursements.
- Ensure accurate financial posting on balance sheet heads such as deposits, credits, receivables, payables, taxes, and FED, adhering to SOPs, rules, and controls for payment processing.
- Maintain and update MIS and transaction data reports for management on a regular basis.
- Monitor daily fund holdings in correspondent banks and report to Finance and Treasury departments to support liquidity management.
- Ensure compliance with the bank’s policies, procedures, and SBP/prudential regulations to facilitate efficient operations.
- Provide support to internal and external stakeholders for liquidity management to guarantee uninterrupted Jazz Cash services across all touchpoints.
- Demonstrate comprehensive knowledge of Cash Management Department processes, policies, and documentation requirements.
- Oversee availability of funds in relevant accounts, process debit authorities, and manage cash disbursements to agents within agreed turnaround times.
- Manage intra-day liquidity requirements, including real-time cash positions at agent banks.
- Handle replenishment of funds for internal accounts linked to services such as Nano Loans and B2B transactions.
- Resolve complaints raised by the DFS channel and interdepartmental teams promptly.
- Analyze customer service standards, identify issues, and implement solutions.
- Maintain proper documentation and financial records daily for audit purposes.
- Coordinate with cross-functional teams for data reporting and transaction processing.
- Perform daily reconciliation and balancing of settlement accounts between CPS and T-24 systems.
- Liaise with MMBL branches, Finance, DFS, and correspondent bank points of contact.
- Manage franchise credit postings weekly/quarterly, including pullbacks on maturity and settlements.
- Oversee commission and tax refundable disbursements for franchises and retailers.
- Process reversals, recoveries, and pending transactions to resolve customer complaints timely.
- Undertake additional tasks assigned by the line manager related to daily operations.
- Maintain a high level of motivation and professionalism to ensure timely task completion.

Required Qualifications:
- Minimum 1 to 2 years of relevant experience in financial systems or digital payment operations.
- Educational background in ICOM, BCOM, BBA, MBA, or MCOM.

About MMBL:
Mobilink Microfinance Bank Ltd. serves over 48 million registered users, including more than 20 million monthly active customers across Pakistan. Operating through a hybrid model that integrates traditional microfinance with mobile and digital banking technologies, MMBL has over 114 branches and 270,000 branchless banking agents. The bank offers a USSD-based digital channel providing savings, microenterprise loans, housing loans, remittances, collections, mobile wallets, insurance, and various payment services. MMBL is a leader in promoting financial inclusion nationwide.

Why Join MMBL?
This role offers a unique opportunity to contribute to transformative change by empowering millions with digital financial tools. MMBL fosters a positive, innovative, and collaborative work environment that values customer-centricity and entrepreneurship. Join us to be part of a team dedicated to driving financial inclusion and digital empowerment across Pakistan.