Manager Audit - Branchless Banking

Department: Internal Audit

Reports To: Head Branchless Banking Audit

Job Grade: AVP

Total Position: 01

Location: Head Office

What is Manager Audit - Branchless Banking – MMBL?

We are looking for a proactive, detail-oriented, and experienced audit professional to support and execute Branchless Banking (BB) audit activities at MMBL. This role plays a critical part in strengthening governance, risk management, and internal controls by delivering risk-based audit and advisory engagements in line with regulatory requirements and international audit standards. The position offers an excellent opportunity to contribute to value-added audits while leading and developing a high-performing audit team.

What Manager Audit - Branchless Banking – MMBL Does?

• Identify and evaluate audit risk areas and contribute to the development of the enterprise risk-based annual internal audit plan in coordination with Audit Managers and the Head BB Audit.
• Execute the approved audit plan and ensure completion of audit, advisory, and fraud-related engagements within defined timelines.
• Manage and perform audit procedures including supervision of fieldwork, issue identification, development of audit criteria, evidence analysis, and documentation of client processes.
• Lead and guide the BB Audit team in conducting interviews, reviewing documents, administering surveys, preparing working papers, and drafting audit summaries.
• Supervise the identification, development, and documentation of audit issues and recommendations, ensuring appropriate action plans are designed, agreed, and approved.
• Conduct follow-ups on audit observations as per SBP guidelines and internal policies, ensuring maximum on-spot or timely issue closure and consolidated follow-up reporting.
• Ensure audit results are discussed with management and communicated through timely reports and presentations, including implementation of revised report formats and rating criteria.
• Resolve audit findings disagreements where possible and escalate unresolved matters to the Head BB Audit.
• Represent the internal audit function in organizational projects, management meetings, and external forums where required.
• Perform audit engagements in accordance with international standards and approved methodologies, including the process audit approach. Prepare for internal and external QA assessments and support QA reviews of other units.
• Participate in the implementation of the Audit Management System (AMS) and ensure audits are conducted within AMS guidelines. Support audit enhancement and capacity-building initiatives.
• Ensure team members receive required training, skill development, and professional certification support.
• Manage logistics and administrative aspects of audit engagements, including expense reviews and policy compliance.
• Pursue ongoing professional development, stay updated with latest professional standards, and share learnings with the team.
• Perform any other duties assigned by the Head BB Audit.

What are we looking for and what does it take to be the Manager Audit - Branchless Banking - MMBL?

Job Requirements:

• Minimum 8 years of experience in the banking industry.
• Hands-on experience in Branchless Banking Audits, Management Audits, and Departmental Audits across Head Office functions.
• CIA / ACCA / ACA / ACMA / M.Com with at least 4 years post-qualification experience.
• Bachelor’s degree from a reputable institution; MBA preferred.
• Proficiency in MS Office, Artificial Intelligence tools, and data analytics .
• Experience in preparing and contributing to audit plans and audit tools.

Soft Skills:

• Strong analytical and problem-solving skills
• Team leadership and people management
• Excellent communication and interpersonal skills
• Time management and ability to work under pressure
• Negotiation and stakeholder management skills
• Customer and relationship management mindset

About MMBL:

Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 114 branches and 270,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan instalments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion. MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.

Why Join MMBL?

This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavor.