Business Analyst – Digital & Alternate Delivery Channels (ADC)

Mobilink Microfinance Bank Ltd. (MMBL) is seeking a skilled Business Analyst to join the Digital & Alternate Delivery Channels (ADC) team. This role focuses on gathering, analyzing, and documenting business and functional requirements for various digital retail banking channels such as Mobile Banking, Internet Banking, Digital Onboarding, Account Opening, and Digital Lending, as well as alternate delivery channels including ATMs, Cash Deposit Machines (CDM), POS Acquiring & Issuing, QR Payments, Agent Banking, and Payment Gateways. The successful candidate will play a crucial role in bridging business needs with technology solutions to enhance digital banking experiences and ensure seamless integration across multiple platforms.

Key Responsibilities
- Prepare detailed Business Requirement Documents (BRDs), Functional Requirement Specifications (FRS), Agile User Stories, process flows, Use Cases, customer journey maps, and conduct GAP analysis.
- Develop API mapping documents involving REST/JSON schemas, Open Banking APIs, and ISO 8583 message fields to connect digital front-ends, middleware gateways, IRIS Payment Switch (TPS), 1Link payment rails (IBFT, Raast), and T24 Core Banking systems.
- Collaborate closely with UX/UI teams, technology departments, fintech partners, switch operators, and external vendors to ensure smooth channel integrations, service upgrades, and third-party ecosystem projects.
- Define transaction limit engines, fee and commission calculation rules, OTP/2FA security parameters, biometric verification systems (BVS), and dispute management workflows.
- Support User Acceptance Testing (UAT), System Integration Testing (SIT), defect triage using Jira, and post-implementation validation activities.
- Monitor channel availability, transaction trends, digital adoption metrics, customer behavior, and operational KPIs to identify opportunities for service improvement.
- Ensure compliance with State Bank of Pakistan (SBP) regulatory requirements, audit observations, eKYC guidelines, data privacy standards, and internal bank policies.

Required Qualifications
- Bachelor’s or Master’s degree in Information Technology, Computer Science, Network Engineering, or a related discipline.
- Minimum of 5 years’ experience as a Business Analyst within banking or financial services, with at least 3 years focused on Digital Banking, Alternate Delivery Channels, and payment systems.
- Strong functional expertise in ATM/CDM operations, POS Acquiring & Issuing, Agent Banking, Payment Gateways, IRIS Payment Switching, and Core Banking integrations.
- Proven experience in customer journey mapping, process re-engineering, and API/Open Banking integrations.
- Proficiency with Agile/Scrum tools and process mapping software such as Jira, Confluence, Visio, and Microsoft Office.
- Solid understanding of payments ecosystems, including 1Link, Raast, eKYC, and SBP digital channel compliance.

Preferred Qualifications and Benefits
- Certifications such as Certified Agile Business Analyst (CABA), ECBA, or CCBA are highly desirable.

MMBL is a leading microfinance institution serving over 48 million registered users, including more than 20 million monthly active customers across Pakistan. Operating through a hybrid model that combines traditional microfinance with digital banking technologies, MMBL has over 114 branches and a network of 270,000 branchless banking agents. The bank offers a wide range of services including savings, MSME loans, small housing loans, remittances, bill collection, mobile wallets, insurance, and various payment solutions, playing a pivotal role in advancing financial inclusion nationwide.

Joining MMBL means becoming part of a forward-thinking organization committed to innovation, teamwork, and customer-centricity. This role offers a unique opportunity to contribute to transformative digital initiatives that empower millions and shape the future of banking in Pakistan. If you are passionate about driving change and working in a dynamic environment, MMBL welcomes your expertise and enthusiasm.