Assistant Manager Digital Banking Operations

Job Description:

Reporting & MIS Maintenance

Responsible to compile data for daily, weekly, fortnightly, monthly and quarterly reporting to SBP, 1Link and internal stake holders.

Maintain MIS of all digital channel transactions for internal and external reporting.

Preparing, managing and sharing all ATM transactions, ATM Downtime, ATM Performance, card production and card status reports with higher management

Maintain MIS of HOT marking and inform Manager ATM Operations in case of any issue.

Review and Reconciliation

Make analysis and reconciliation of the following to ensure system accuracy and identification of issues for necessary action

Debit Cards requests in card management system versus cards actually issued

Zero balance debit card requests versus issuance upon availability of balance

Applicable debit card annual charges versus deduction

Applicable SMS annual subscription versus deduction

Identify any income leakage and report to line management for necessary action.

Report cases of overcharge to customers for necessary rectification.

Process missing charges deduction / reversal of overcharge through system / batches.

Maintain complete MIS for record purposes.

Maintain close coordination with Finance & I.T for re-developing Debit Card Issuance, Annual charges as well as SMS Subscription Annual Charges Deduction Mechanism.

Card Management

Responsible for marking destroyed card as HOT in card management system.

Close Monitoring of over aged lying with branches for follow-ups and timely destruction.

Ensure timely destruction of uncollected by branches cards as per SOPs.

Ensure effective administration of captured cards (On Us & Off Us) and their delivery to respective banks as per TAT set by SBP

Form Card Request processing

Timely checking customers request for card issuance through E-Form

Processing of customer’s request.

Liaison with the branches for any issues with respect to missing information

Maintenance of MIS.

Delinking of ADC Channels & HOT Marking.

D-linking of ADC channels & debit card from deceased account as per SOP

D-linking of ADC channels & debit against account closure request.

D-linking of ADC channels & debit from Zero Balance Accounts prior to process closure by CPU.

Maintain MIS for audit trail.

Establishing Productivity & Efficiency Benchmarks

Maintain a working knowledge of duties and responsibilities of other positions within DFI operations and acts as a backup where and when necessary

Keep proper records of reports / correspondence ensuring safe custody

Maintain day to day discipline as per approved policies & procedures of the bank.

Responsible to maintain satisfactory audit rating of the assigned tasks.

Ensure Compliance of policies and procedures (as applicable) and service quality standards / guidelines.

Quarterly PSD Report.

Policy Compliance & Audit Rating

Ensure compliance with Bank’s policies and procedures as well as SBP/prudential regulations for smooth conduct of Operations efficiently and consistently.

Take ownership of compliance, Audit and self-assessment functions including rectification of all discrepancies.

Ensure preparedness of the unit for review and audit by internal/external/SBP Auditors

Job Specifications:

Minimum of 3-4 years of experience in banking operations, specifically in Debit Card management or related roles within the microfinance or commercial banking sector.

Bachelor’s degree in Finance, Banking, Business Administration, or a related field. Relevant certifications in banking operations or digital banking preferred.

Knowledge/Skills:

Proficient in Debit Card management systems and digital banking technologies, with a solid understanding of relevant banking regulations in Pakistan.

Analytical Skills: Strong analytical and problem-solving skills with attention to detail, capable of making data-driven decisions.

Communication Skills: Excellent verbal and written communication skills, with the ability to effectively communicate with customers and internal teams.

Customer Service Orientation: Commitment to providing high-quality customer service and enhancing the overall customer experience

Last Date to apply is 10th May 2026.