Job Description

Department: Branchless Banking

Job Type: Permanent

Grade: AVP

Positions: 1

The Manager – Bank Reconciliation at Mobilink Microfinance Bank Ltd. (MMBL) ensures the accuracy and integrity of financial data across all banking platforms. This role bridges traditional finance with digital innovation, overseeing end-to-end reconciliation of third-party payments, corporate collections, and branchless banking products. The ideal candidate drives automation, enhances data visualization, and supports the bank’s digital transformation agenda.

Key Responsibilities

1. Operational Excellence & Data Integrity

Oversee daily reconciliations for complex fund movements: Correspondent Banks, Internal Accounts, Nano Lending, Insurance, Merchant settlements.
Manage synchronization of third-party payment collections and disbursements.
Handle daily liquidity requirements, funding cycles, and clearing processes.
Share reconciled data with Finance, IT, and Business teams to ensure timely settlements and dispute resolution.

2. Digital Transformation & Automation

Identify manual bottlenecks and implement RPA or advanced scripting for automation.
Collaborate with IT/Product teams to enhance systems, improve transaction visibility, and auto-matching.
Leverage emerging fintech tools to optimize data ingestion and anomaly detection.

3. Compliance & Risk Management

Ensure compliance with internal policies, State Bank of Pakistan (SBP) guidelines, and Prudential Regulations.
Lead investigations of complex discrepancies and manage dispute resolution within SLA.
Maintain audit-ready documentation and enforce high standards of conduct.

4. Leadership & Strategic Liaison

Lead, mentor, and train a team of reconciliation specialists.
Collaborate with Internal Audit, Finance, and external partners to align reconciliation outcomes with corporate goals.

Requirements

Education & Professional Qualifications

MBA, BBA, or MS in a relevant field.
Professional certification such as ACCA, ICMA, or CA (Inter) preferred.

Skills & Expertise

Advanced proficiency in Tableau, Power BI, or similar BI tools.
Strong team leadership with focus on reconciliation accuracy, automation, and process improvement.
Expertise in ADC products including IBFT, UBPS, RAAST, E-Commerce, ATM, POS, etc.
Track record in audit compliance and dispute resolution.

About MMBL

Mobilink Microfinance Bank Ltd. serves over 48 million registered users across Pakistan, including 20+ million monthly active customers. Operating with 114+ branches and 270,000 branchless banking agents, MMBL provides digital channels for savings, MSME loans, remittances, collections, mobile wallets, insurance, and B2B/B2P/G2P payments. The bank champions financial inclusion while fostering innovation, collaboration, and a customer-centric culture.

Why Join MMBL?

This is an opportunity to play a key role in driving digital and operational transformation in banking. Join a team committed to empowering millions across Pakistan with innovative financial solutions.

Apply Now to be part of MMBL’s journey toward redefining financial services in the digital era.