Senior Manager - Branchless Banking

NRSP Microfinance Bank Limited

Published Date: • Islamabad, Pakistan (On-Site)

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Description

NRSP Microfinance Bank Limited is looking for an experienced Senior Manager - Branchless Banking to lead the growth and management of its Raast P2M merchant acquisition and agent banking networks. This role requires a strategic leader who will drive digital banking strategies focused on financial inclusion, delivering seamless customer acquisition and retention in both urban and rural markets. The ideal candidate will have a deep understanding of the Raast P2M framework and branchless banking operations, with proven experience managing end-to-end merchant onboarding and agent network expansion. They will oversee a team of five professionals and maintain responsibility for business growth while ensuring compliance with State Bank of Pakistan guidelines and smooth operational workflows. As the Senior Manager, you will own the profit and loss for branchless banking channels, implement innovative incentive programs, and collaborate closely with marketing, technology, and product teams to enhance service delivery. You will also lead field force management efforts, providing vital training and support to area managers and merchant relationship officers to meet acquisition and transaction targets. This role demands excellent negotiation skills, data-driven decision-making, and a strong commitment to financial inclusion initiatives with a willingness to travel extensively across diverse merchant locations.

Responsibilities

• Lead end-to-end onboarding of small and medium merchants onto NRSP’s Raast P2M QR code platform, achieving monthly active merchant and transaction value targets.
• Train merchants on using Raast QR codes to facilitate instant, zero-cost collections from customers using any Raast-enabled bank application.
• Manage and resolve merchant transaction disputes and ensure timely settlements for a frictionless payment experience.
• Drive acquisition and activation of branchless banking agents, managing cash-in/out operations, bill payments, and fund transfers.
• Oversee agent liquidity management and commission structures, and cross-sell Raast P2M QR code services to agents acting also as merchants.
• Own the profit and loss for Raast P2M and agent banking channels, generating revenue through value-added services while designing merchant incentive and loyalty programs.
• Collaborate with marketing teams to develop and implement consumer-facing campaigns that promote Raast QR payments at local stores.
• Ensure strict compliance with State Bank of Pakistan operational guidelines regarding merchant KYC, QR code issuance, transaction limits, and settlements.
• Liaise with internal IT and finance teams to guarantee timely merchant settlements and minimize transaction failures through proactive coordination with product and technology teams.
• Act as the primary business liaison for Raast P2M product development, including user acceptance testing for new features and enhancements.
• Use data analytics tools to identify high-potential merchant clusters and optimize field deployment strategies.
• Lead, mentor, and manage a regional team of Area Managers and Merchant Relationship Officers to achieve daily acquisition and transaction activation objectives.
• Conduct regular training sessions for field staff and merchants to promote Raast P2M benefits, dispute resolution processes, and customer education.
• Maintain strong relationships with merchants, aggregators, biometric verification providers, and technology vendors to accelerate growth and operational efficiency.
• Commit to extensive travel (over 50%) to engage with rural and urban merchant locations and support field operations directly.

Experience

8 Years

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