Gather, analyse, and document business and functional requirements for Digital Retail Banking channels (Mobile Banking/Dost App, Internet Banking, Digital Onboarding, Account Opening, Digital Lending) and Alternate Delivery Channels (ATM, Cash Deposit Machines - CDM, POS Acquiring & Issuing, QR Payments, Agent Banking, Payment Gateways).
• Prepare BRDs, Functional Specifications (FRS), Agile User Stories, process flows, Use Cases, customer journey maps, and GAP analysis.
• Create API mapping documents (REST/JSON schemas, Open Banking APIs, ISO 8583 message fields) connecting digital front-ends, middleware gateways, IRIS Payment Switch (TPS), 1Link payment rails (IBFT, Raast), and T24 Core Banking.
• Collaborate with UX/UI, technology, fintech partners, switch operators, and external vendors for seamless channel integrations, service upgrades, and third-party ecosystem projects.
• Support User Acceptance Testing (UAT), System Integration Testing (SIT), defect triage (Jira), and post-implementation validation activities.
• Monitor channel availability, transaction trends, digital adoption metrics, customer behavior, and operational KPIs to identify service enhancement opportunities.
• Ensure strict compliance with SBP regulatory requirements, audit observations, eKYC guidelines, data privacy, and internal bank policies.
• Bachelors/master’s degree in Information Technology, Computer Science, Network Engineering, or related discipline.
• Have a minimum 5 years of experience as a Business Analyst in banking or financial services, with at least 3 years dedicated to Digital Banking, ADC channels, and payment systems.
• Proven capability in customer journey mapping, process re-engineering, and API/Open Banking integrations.
• Proficiency in Agile/Scrum tools and process mapping software (Jira, Confluence, Visio, MS Office).
• Solid understanding of payments ecosystems, 1Link, Raast, eKYC, and SBP digital channel compliance.
Desirable Skills:
• Certified Agile Business Analyst (CABA); ECBA / CCBA certification.
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.