Operations Officers - Branchless Banking

Description

NRSP Microfinance Bank Limited is seeking diligent and detail-oriented Operations Officers specializing in Branchless Banking to ensure seamless and compliant management of operations within the branchless banking framework. The ideal candidate will focus on overseeing financial transactions, maintaining liquidity, and enforcing compliance with both bank policies and regulatory guidelines. This role requires an individual who can efficiently manage cash operations, monitor transactional activity daily, and collaborate closely with finance and treasury departments to safeguard fund integrity. The Operations Officer will play a pivotal role in delivering excellent customer service through effective agent network management and proactive transaction monitoring, ultimately supporting the bank's growth and service quality. This position demands a proactive professional with at least two years of relevant experience who can navigate complex compliance requirements set forth by the State Bank and internal policies. The role does not involve team management but requires working independently with high accountability in consistent execution of daily operational tasks. The Operations Officer is also responsible for timely preparation of financial reports and adherence to ethical standards while supporting inclusion programs for persons with disabilities, senior citizens, and underrepresented groups. This strategic role ensures that branchless banking operations contribute to the bank’s liquidity management and financial soundness effectively.

Responsibilities

• Ensure strict adherence to the bank’s cash management policies and State Bank of Pakistan’s regulations, including prudential norms, for smooth daily branchless banking operations and effective liquidity management.
• Perform daily monitoring and reconciliation of funds held at Correspondent Banks, coordinating closely with finance and treasury departments to maintain up-to-date and accurate reporting.
• Execute daily posting of debit and credit transactions across individual and group accounts, ensuring accuracy and timely reconciliation of all financial records.
• Administer liquidity management activities, including replenishment of accounts, processing internal reversals, managing control accounts, and overseeing other critical financial functions to ensure uninterrupted banking operations.
• Manage key financial transactions such as Direct Debit processing and Unique Banking Product adjustments to maintain operational accuracy and compliance.
• Prepare, consolidate, and submit detailed operational reports and regulatory returns promptly to the Head Office and appropriate regulatory bodies, ensuring complete and transparent documentation of all transactions.
• Ensure compliance with guidelines related to Persons with Disabilities (PWDs), Banking on Equality (BOE), and Senior Citizens, actively supporting initiatives aimed at inclusive banking and meeting established targets related to these programs.
• Comply with all applicable State Bank regulations, bank policies, rules, and standard operating procedures (SOPs) devised for branchless banking to uphold the bank’s operational integrity and regulatory framework.
• Maintain ethical conduct and professionalism when interacting with clients, agent networks, and other stakeholders to foster trust and reliability in banking operations.
• Conduct ongoing transaction monitoring and agent network management to promptly identify and address anomalies or irregularities that could pose risks to the bank or customers.
• Support customer service management within the branchless banking framework by resolving operational issues, addressing queries, and ensuring satisfactory customer experiences aligned with bank standards.
• Undertake any additional tasks or projects assigned by management to support the bank’s operational objectives and continuous process improvements.

Experience

2 Years

Apply By

Nov 2, 2026

Required Skills

• Branchless Banking Operations
• Agent Network Management
• Cash Management
• Liquidity Management
• Regulatory Compliance
• Reconciliation

Nice to Have Skills

• Transaction Monitoring
• Customer Service Management
• Financial Reporting
• Ethical practices