finance manager

9 hours ago

Karachi, Sindh, Pakistan HRSI Full time 800,000 - 2,400,000 per year

COMPANY OVERVIEW:

Our client, a Karachi-based, State Bank of Pakistan (SBP) regulated Electronic Money Institution (EMI), seeks to appoint an experienced professional for the following role:

Key Responsibilities

Financial Planning & Strategy-

  • Develop and implement long-term financial strategies for EMI wallets, digital banking, and payment card services
  • Analyze revenue models, transaction fee structures, and interchange fees for digital payments
  • Conduct financial feasibility studies for new banking products, card schemes, and fintech solutions
  • Optimize the cost of transactions per user to maximize profitability

Budgeting, Forecasting & Cost Management-

  • Develop annual budgets and financial forecasts for banking operations Track cost-per-user acquisition (CAC), transaction costs, and revenue per active user (ARPU)
  • Implement cost control measures to enhance financial efficiency
  • Optimize the cost of payment card issuance, processing, and settlement

Transaction & Payment Processing Analysis-

  • Assess cost-per-transaction (CPT) across various payment methods (P2P, Bill Payments, Merchant Transactions, ATM Withdrawals, etc.)
  • Ensure cost-effective and secure transaction processing for EMI wallets and digital banking platforms.
  • Manage bank relationships for payment processing cost efficiency
  • Oversee interchange fee structures, settlement charges, and payment gateway costs

Card Economics & Digital Wallet Costing-

  • Evaluate cost structures for debit, credit, and prepaid cards linked to digital banking wallets
  • Work with banks and payment processors to optimize card program pricing
  • Develop strategies to reduce card production and distribution costs
  • Ensure compliance with Visa, Mastercard, UnionPay, and local card schemes

Cash Flow & Treasury Management-

  • Maintain liquidity management for smooth transaction settlements and fund transfers
  • Optimize working capital allocation for EMI and digital banking operations
  • Ensure seamless fund reconciliation processes for all transactions

Education

  • Minimum 16 years of education, preferably, Masters from a renowned and HEC recognized university or institution/equivalent foreign degree holder institution, preferably in Finance, Accounting or a related field (CA / ACCA preferred).

Experience

  • Minimum 5 years of post articleship & professional experience, preferably in a large national/multinational organization preferably in banking, fintech, or financial institutions.

Key Requirements

  • Strong understanding of tax regulations and financial reporting standards
  • Expertise in financial modelling, cost analysis, and transaction pricing
  • Experience with Visa, Mastercard, and local payment card schemes is a plus
  • Strong knowledge of SBP regulations, banking policies, and digital financial compliance

Age

  • The candidate should preferably be not more than 35 years of age as of last date of submission of application.

If you have the required experience and educational qualification to take up the challenging role, you are requested to apply by November 1, 2025 at

Only shortlisted candidates will be contacted.

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