Qureos Mentor

easypaisa digital bank

<div>
 
 
 About easypaisa digital bank:
 
 
 
 easypaisa is Pakistan&rsquo;s first digital bank and has advanced Pakistan&rsquo;s digital finance landscape. Backed by our shareholders, Telenor Group-a leading telecom operator in Asia and the Nordics- and Ant Group-the force behind Alipay, the world&rsquo;s leading open internet platform, easypaisa deliver secure, convenient financial solutions to millions of Pakistanis.
 
 
 
 
 
 
 Position Summary:
 
 
 
 The role is responsible for leading the planning, execution, and ongoing management of direct and alternate distribution channels for easypaisa Digital Bank. This position plays a central role in bridging sales, technology, business partners, and governance functions to deliver scalable, compliant, and efficient channel operations.
 
 
 The role owns end-to-end channel operations, including strategy execution, project delivery, digital and alternate channel performance, vendor management, and regulatory compliance. It ensures that channel initiatives are designed and implemented with strong operational controls, customer experience focus, and alignment with regulatory and internal policy requirements.
 
 
 The position also provides oversight on digital and branchless banking operations, supports product lifecycle management for alternate channels, and drives continuous improvement through data analysis, process optimization, and cost efficiencies. As a key point of contact for regulators, compliance, audit, and internal stakeholders, the role ensures the highest standards of ethics, risk management, and service delivery across all supervised channels.
 
 
 
 
 
 
 Duties and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Act as a key liaison between Sales Channels, Technology, BVS business partners and vendors, and Channel Planning and Distribution teams to support the design and delivery of new initiatives.
 </li>
 <li>
 Execution of channel operational strategy across direct and alternate distribution channels in line with the bank&rsquo;s growth and service objectives.
 </li>
 <li>
 Ensure effective implementation of sales operations systems, policies, and procedures for the distribution of easypaisa Digital Bank products and services.
 </li>
 <li>
 Own preparation of Business Requirement Documents for new developments, incorporating feedback from internal stakeholders and channel requirements to drive operational excellence.
 </li>
 <li>
 Manage end-to-end project delivery including scope definition, ROI analysis, UAT coordination, launch readiness, and post-implementation operational support.
 </li>
 <li>
 Execute complete operations management for alternate distribution channels, ensuring stability, efficiency, and service quality.
 </li>
 <li>
 Serve as the primary point of contact for regulatory, governance, compliance, and internal audit teams on agent and channel-related matters.
 </li>
 <li>
 Execution of approved policies and procedures across easypaisa Digital Bank locations and channels under supervision.
 </li>
 <li>
 Track regulatory, compliance, and audit observations and ensure timely closure through corrective and preventive actions.
 </li>
 <li>
 Embed the highest standards of ethics, regulatory compliance, and business conduct across branchless and digital banking operations, ensuring adherence to applicable laws, regulations, SBP guidelines, internal policies, and the easypaisa Code of Conduct.
 </li>
 <li>
 Provide regular performance, risk, and operational status updates to senior management.
 </li>
 <li>
 Ensure a high level of customer service by maintaining strong functional knowledge of banking products, digital platforms, and operational processes.
 </li>
 <li>
 Continuously identify opportunities to optimize costs, streamline processes, and improve service delivery across channels.
 </li>
 <li>
 Oversee day-to-day operations of digital, online, and alternate distribution channels to ensure smooth functionality.
 </li>
 <li>
 Monitor system performance, availability, and security in coordination with technology teams, and support timely resolution of operational or technical issues.
 </li>
 <li>
 Develop and implement controls and procedures to ensure regulatory compliance and effective risk mitigation.
 </li>
 <li>
 Manage escalations, inquiries, and complaints related to digital and alternate channel services.
 </li>
 <li>
 Collaborate closely with IT, product, and business teams to support rollout of new features, products, and enhancements.
 </li>
 <li>
 Analyze operational and channel data to identify trends and drive improvements in efficiency, reliability, and customer experience.
 </li>
 <li>
 Manage vendor relationships and ensure adherence to agreed service levels and contractual obligations.
 </li>
 <li>
 Stay informed on industry trends, regulatory changes, and best practices in digital and branchless banking operations.
 </li>
 <li>
 Review and manage the product lifecycle for alternate distribution channels to ensure continued relevance and performance.
 </li>
 <li>
 Coordinate and support internal audits, external audits, SBP inspections, and reviews by compliance or regulatory bodies, ensuring full adherence to bank and regulator requirements.
 </li>
 </ul>
 
 
 
 
 
 Role Relationship
 
 
 
 
 Internal
 
 
 <ul>
 <li>
 Head of Departments
 </li>
 <li>
 Governance / Business
 </li>
 <li>
 Sales Teams
 </li>
 </ul>
 
 
 
 
 
 External
 
 
 <ul>
 <li>
 State Bank of Pakistan
 </li>
 <li>
 BVS Vendor
 </li>
 <li>
 Business Partners
 </li>
 </ul>
 
 
 
 
 
 Knowledge and Experience
 
 
 
 
 Education:
 
 At least Graduation Degree
 
 
 
 Experience:
 
 Relevant experience in Channel Management, Operations, risk, governance, or compliance functions
 
 
 
 Behavioral Skills &amp; Competencies:
 
 
 <ul>
 <li>
 Good level of understanding of compliance, governance, risk and control matters
 </li>
 <li>
 Good Knowledge of Biometric verifications systems / hardware and related technologies
 </li>
 <li>
 Good knowledge of audit and reconciliation
 </li>
 <li>
 Good Knowledge of branchless banking Ecosystem
 </li>
 <li>
 Excellent written and oral communication skills
 </li>
 <li>
 Decision making and leadership skills.
 </li>
 <li>
 Ability to prioritize and work independently.
 </li>
 <li>
 Focused, organized, and results oriented.
 </li>
 <li>
 Ability to evaluate complex situations and to issue appropriate and pragmatic recommendations.
 </li>
 <li>
 Team player with interpersonal and teamwork skills
 </li>
 <li>
 Self-confidence, ability to stand their ground when required.
 </li>
 <li>
 Analytical / critical thinking skills
 </li>
 <li>
 Knowledge on banking products and risk assessment methodology preferred.
 </li>
 <li>
 Experience in coordination, reporting and communication with senior management.
 </li>
 <li>
 Experience with coordination and deployment of risk assessments
 </li>
 <li>
 Fluent in English
 </li>
 </ul>
 
 
</div>

Head of Islamic Banking

<div>
 
 
 About easypaisa digital bank:
 
 
 
 easypaisa is Pakistan&rsquo;s first digital bank and has advanced Pakistan&rsquo;s digital finance landscape. Backed by our shareholders, Telenor Group-a leading telecom operator in Asia and the Nordics- and Ant Group-the force behind Alipay, the world&rsquo;s leading open internet platform, easypaisa deliver secure, convenient financial solutions to millions of Pakistanis.
 
 
 
 
 
 
 Position Overview
 
 
 
 The EM/AD &ndash; Card Operations will be responsible for managing end-to-end operational functions for the credit card portfolio, including chargeback processing, fraud case management, settlement and reconciliation, and customer-facing card operations.
 
 
 The role will ensure all operational activities are executed in accordance with card scheme mandates, regulatory requirements, and internal operational policies, while maintaining high operational efficiency and a strong focus on customer experience.
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 Card Operations
 
 
 <ul>
 <li>
 Manage operational processes across the credit card lifecycle, ensuring efficiency, accuracy, and compliance.
 </li>
 <li>
 Oversee transaction settlement, reconciliation, and operational monitoring.
 </li>
 <li>
 Coordinate with product, technology, finance, risk, and compliance teams to ensure smooth operational execution.
 </li>
 </ul>
 
 
 Chargebacks &amp; Dispute Management
 
 
 <ul>
 <li>
 Manage the end-to-end chargeback lifecycle, including dispute investigation, documentation, and resolution.
 </li>
 <li>
 Ensure compliance with card scheme rules, dispute timelines, and chargeback procedures.
 </li>
 <li>
 Monitor chargeback trends and implement operational improvements to reduce disputes.
 </li>
 </ul>
 
 
 Fraud Operations
 
 
 <ul>
 <li>
 Oversee investigation and resolution of fraudulent transactions and suspicious activities.
 </li>
 <li>
 Ensure adherence to scheme guidelines and fraud liability frameworks.
 </li>
 <li>
 Coordinate with risk teams to implement fraud prevention and monitoring controls.
 </li>
 </ul>
 
 
 Settlement &amp; Reconciliation
 
 
 <ul>
 <li>
 Ensure accurate authorization, clearing, settlement, and reconciliation of card transactions.
 </li>
 <li>
 Investigate and resolve reconciliation discrepancies with internal teams and external partners.
 </li>
 </ul>
 
 
 Customer Operations
 
 
 <ul>
 <li>
 Manage customer complaints, disputes, and service requests related to card transactions.
 </li>
 <li>
 Ensure timely resolution of issues in line with defined service level agreements (SLAs).
 </li>
 <li>
 Identify operational improvements to enhance overall customer experience.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business, Finance, Economics, or a related discipline (Master&rsquo;s degree preferred).
 </li>
 <li>
 3&ndash;5 years of experience in card products or payments operations within a bank, fintech, or payment service provider.
 </li>
 <li>
 Minimum 2&ndash;3 years of experience managing card operations, including chargebacks, fraud case handling, settlement, reconciliation, and ADC operations.
 </li>
 <li>
 Strong knowledge of card scheme mandates, chargeback procedures, dispute cycles, and fraud liability frameworks is required.
 </li>
 </ul>
 
 
 
 
 
 Preferred Experience
 
 
 <ul>
 <li>
 Experience working with international card schemes (Visa / Mastercard).
 </li>
 <li>
 Exposure to card management systems, payment processors, or payment gateways.
 </li>
 <li>
 Experience handling chargeback representment, pre-arbitration, and arbitration processes.
 </li>
 </ul>
 
 
 
 
 
 Key Skills
 
 
 <ul>
 <li>
 Strong understanding of the card payments ecosystem and operational workflows
 </li>
 <li>
 Knowledge of chargeback management and fraud operations
 </li>
 <li>
 Strong analytical and problem-solving skills
 </li>
 <li>
 Ability to manage high-volume operational processes
 </li>
 <li>
 Strong stakeholder management and communication skills
 </li>
 </ul>
 
 
 
 
 
 Key Performance Indicators
 
 
 <ul>
 <li>
 Chargeback ratio and dispute resolution timelines
 </li>
 <li>
 Fraud case resolution and loss mitigation
 </li>
 <li>
 Settlement and reconciliation accuracy
 </li>
 <li>
 Customer complaint resolution turnaround time
 </li>
 <li>
 Compliance with scheme and regulatory mandates
 </li>
 </ul>
 
 
</div>

EM/AD Card operations

<div>
 
 
 About easypaisa digital bank:
 
 
 
 easypaisa is Pakistan&rsquo;s first digital bank and has advanced Pakistan&rsquo;s digital finance landscape. Backed by our shareholders, Telenor Group-a leading telecom operator in Asia and the Nordics- and Ant Group-the force behind Alipay, the world&rsquo;s leading open internet platform, easypaisa deliver secure, convenient financial solutions to millions of Pakistanis.
 
 
 
 
 
 
 Position Summary:
 
 
 
 The incumbent is responsible for executing, managing, and supporting the day-to-day operational, partner coordination, and performance delivery of Easypaisa Bank&rsquo;s international remittance business under the strategic direction of the Head of International Remittances.
 
 
 
 
 
 The role ensures smooth corridor activation, partner onboarding, PRI compliance, transaction processing integrity, and service delivery, while coordinating internally with Product, Compliance, Operations, Treasury, and Technology to achieve business growth, regulatory adherence, and customer experience objectives.
 
 
 
 
 
 The incumbent acts as the primary execution arm for implementing remittance initiatives, maintaining partner relationships, and ensuring operational readiness across all active corridors.
 
 
 
 
 
 
 Duties and Responsibilities:
 
 
 <ul>
 <li>
 Implement business plans and corridor strategies defined by the Head of International Remittances.
 </li>
 <li>
 Coordinate with sending partners (MTOs, banks, aggregators) to ensure timely activation and scaling of remittance flows.
 </li>
 <li>
 Monitor transaction volumes, identify gaps, and support initiatives to enhance throughput.
 </li>
 <li>
 Track corridor-wise performance and prepare actionable insights for management review.
 </li>
 <li>
 Serve as the operational liaison with international remittance partners for:
 </li>
 <li>
 Settlement coordination
 </li>
 <li>
 Technical connectivity follow-ups
 </li>
 <li>
 Product implementation matters
 </li>
 <li>
 Operational troubleshooting
 </li>
 <li>
 Support onboarding of new PRI partners by coordinating documentation, testing, and internal approvals.
 </li>
 <li>
 Maintain structured engagement with partners to ensure SLA adherence and service quality.
 </li>
 <li>
 Assist in managing interactions related to Pakistan Remittance Initiative (PRI) matters including:
 </li>
 <li>
 Submission follow-ups
 </li>
 <li>
 Partner approval documentation
 </li>
 <li>
 Reporting and incentive claims support
 </li>
 <li>
 Ensure all remittance activities comply with SBP regulations, AML/CFT requirements, and internal policies.
 </li>
 <li>
 Maintain readiness for audits, regulatory inspections, and compliance reviews.
 </li>
 <li>
 Coordinate with Operations to ensure:
 </li>
 <li>
 Accurate and timely processing of inward remittances
 </li>
 <li>
 Minimal transaction failures and returns
 </li>
 <li>
 Root cause resolution of processing issues
 </li>
 <li>
 Track reconciliation, settlement, and exception management with Treasury and Operations teams.
 </li>
 <li>
 Identify process gaps and recommend automation or workflow enhancements.
 </li>
 <li>
 Monitor receiver journey performance including credit timelines, complaint trends, and transaction success ratios.
 </li>
 <li>
 Work with Product and Technology teams to address service pain points and improve usability.
 </li>
 <li>
 Support awareness initiatives with partners to promote Easypaisa as a preferred payout channel.
 </li>
 <li>
 Prepare periodic MIS, dashboards, and corridor analytics for internal stakeholders.
 </li>
 <li>
 Analyze transaction trends, partner productivity, and revenue contribution.
 </li>
 <li>
 Assist in budgeting inputs, forecasting data, and performance tracking for the remittance portfolio.
 </li>
 <li>
 Ensure seamless execution of product launches and partner integrations.
 </li>
 <li>
 Track competitor activity, corridor trends, and global remittance innovations.
 </li>
 <li>
 Provide feedback to management on emerging opportunities and operational enhancements.
 </li>
 <li>
 Support feasibility assessments for new partnerships and corridors.
 </li>
 <li>
 Support the Head of International Remittances in driving departmental initiatives and execution timelines.
 </li>
 <li>
 Coordinate with internal stakeholders to ensure alignment on deliverables and project milestones.
 </li>
 <li>
 Assist in developing SOPs, workflows, and documentation for operational standardization.
 </li>
 <li>
 Ensure adherence to Easypaisa Bank&rsquo;s Code of Conduct, risk framework, and operational controls.
 </li>
 <li>
 Maintain proper documentation, audit trails, and regulatory records for all remittance activities.
 </li>
 <li>
 Uphold the Bank&rsquo;s behavioural values and compliance culture in all engagements.
 </li>
 </ul>
 
 
 
 
 
 Key Performance Indicators (KPIs)
 
 
 <ul>
 <li>
 Corridor activation and partner onboarding timelines
 </li>
 <li>
 Transaction volume growth across active corridors
 </li>
 <li>
 PRI processing and reporting accuracy
 </li>
 <li>
 Partner SLA adherence
 </li>
 <li>
 Customer experience metrics (TAT, complaint ratios)
 </li>
 <li>
 MIS accuracy and reporting timeliness
 </li>
 </ul>
 
 
 
 
 
 Role Relationship
 
 
 
 
 Internal
 
 
 <ul>
 <li>
 IT / Product Development
 </li>
 <li>
 Operations
 </li>
 <li>
 Compliance
 </li>
 <li>
 Branch Banking
 </li>
 <li>
 Human Resource
 </li>
 <li>
 Finance
 </li>
 <li>
 Internal Audit
 </li>
 <li>
 Channel &amp; Marketing teams
 </li>
 </ul>
 
 
 
 
 
 External
 
 
 <ul>
 <li>
 SBP
 </li>
 <li>
 Other Banks
 </li>
 <li>
 International Tie-Ups / Business Partners
 </li>
 <li>
 Channel partners
 </li>
 <li>
 Organizations dealing with immigrants workers (OPF, BEOE, Directorate of Immigration)
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Knowledge and Experience
 
 
 
 
 Education:
 
 Bachelor&rsquo;s or Master&rsquo;s degree in Finance, Banking, Business Administration, or related field.
 
 
 
 Experience:
 
 5&ndash;8 years of experience in international remittances
 
 
 
 Behavioral Skills &amp; Competencies::
 
 
 <ul>
 <li>
 Understanding of cross-border payment workflows and settlement cycles
 </li>
 <li>
 Data analysis and reporting skills
 </li>
 <li>
 Strong coordination and stakeholder management ability
 </li>
 <li>
 Knowledge of digital wallet-based remittance models is an advantage.
 </li>
 </ul>
 
 
</div>

EM International Remittance

Join easypaisa digital bank and explore 4   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

easypaisa digital bank

About Company

Manager/ EM Channel Enablement

Head of Islamic Banking

EM/AD Card operations

EM International Remittance