The Analyst – DFS Reconciliation is responsible for ensuring the accuracy, integrity, and timely reconciliation of the bank’s digital transaction ecosystem, core clearing accounts, and interbank settlement pipelines. This role executes daily data matching, performs hands-on exception handling to prevent liquidity risks, and prepares structured reports for management while assisting in routine operational operational workflows.
Pipeline Execution: Execute the daily reconciliation of high-volume digital transaction pipelines, including real-time systems (such as RAAST, wallets, and payment gateways) and standard clearing networks (such as IBFT) across both regular and deferred settlement cycles.
GL Matching & Exception Management: Perform daily General Ledger (GL) to bank statement and partner balance matching. Investigate, track, and resolve open entries, chargebacks, and un-reconciled balances across digital wallets, branch accounts, and suspense accounts.
Risk Mitigation: Identify aging entries, operational discrepancies, or potential leakage points, escalating financial or liquidity risks to the Team Lead or Risk Management team promptly.
Month-End Book Closing: Support month-end closing activities by balancing, verifying, and preparing settlement entries for all assigned digital clearing GLs within strict corporate closing timelines.
MIS Reporting: Draft daily, weekly, and monthly Management Information System (MIS) reports detailing outstanding positions, reconciliation efficiency, and aging analysis for management review.
Cross-Functional Coordination: Collaborate with IT, Treasury, Customer Operations, and external DFS partners to resolve transaction failures, investigate system errors, and streamline data lifecycles.
Bachelor’s degree in Finance, Accounting, Banking, Fintech, or a related field (e.g., BS Finance, BBA, B.Com).
Progress toward professional certifications (such as ACCA, CA foundation/inter, or relevant digital banking diplomas) is a plus
Job Locations:
Head Office
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 installments), 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.