Settlement Associate

Sadapay Private Limited; Karachi Division; Hybrid; PKR 3,706,000 - 5,558,000; Full time

Benefits offered by this job

USD-Denominated Salary

Hybrid Work Culture

Flexible Leave Policy

Comprehensive Insurance Coverage

Provident Fund Contributions

Laptop and Resources

Job summary

SadaPay is seeking a detail-oriented Sadanaut to support settlement operations, tracking funds from partners, reconciling daily settlements, and producing insightful reports. The role emphasizes analytical thinking, collaboration, and automation to improve efficiency.

Fresh graduates are welcome; experience in settlements is a plus. Hybrid work setup, USD-denominated salary, and comprehensive benefits are offered to support growth and work-life balance.

Qualifications

• Fresh graduates are encouraged; 6 months to 1 year hands-on experience in settlement operations is a strong plus.
• Proficiency in Excel and reporting tools to drive data-driven insights.
• Proven expertise in reconciliation and daily settlement processes.
• Strong problem-solving skills with critical thinking abilities.
• Creative mindset with a passion for automating processes to optimize efficiency.
• Basic understanding of and willingness to leverage AI platforms (e.g., ChatGPT, Gemini) to improve workflows.

Responsibilities

• Deliver detailed, informative presentations and reports.
• Collaborate effectively in teams and communicate clearly.
• Monitor settlements, track funds, and ensure costs are met.
• Identify processes that need improvement and implement optimizations.
• Leverage AI tools to streamline daily workflows and automate tasks.

Skills

Presentation skills

MS Office

Teamwork

Problem solving

Creativity

Process optimization

Analytical thinking

Tools

Excel

Reporting tools

Job description

SadaPay is transforming financial services in Pakistan with a digital-first experience that makes managing money simple, transparent, and hassle-free. With over three-quarters of the population still unbanked, we believe financial services need a radical shift. With SadaPay, all you need is a CNIC, a phone number, and a smartphone to get started; no paperwork, no long waits. Our 3 million+ users have left behind their worst banking frustrations, no hidden fees, free local transfers, and a payment experience that’s actually enjoyable. Pair that with friendly customer service and a vibrant debit card, and suddenly, finance doesn’t just work; it feels fun!

Why is this role important?

We’re a financial institution, so technically, dealing with people’s finances is the most important company function. Settlements deal with finances, so you probably know where we’re going with this. Settlements monitors, tracks and reports the funds we receive from our partners, such as MasterCard. You’re going to be closely recording money that’s coming into the company, see where it goes, and make sure everything’s on track. You’re also going to be tracking transactions to see if the costs associated with them are being met.

If you’re an Excel whiz who has handled transaction settlements in the past, we’d love to hear from you! We’re especially interested in people who love critical thinking, problem-solving and are creative and eager to streamline and automate processes.

As a Sadanaut you will:

• Proven expertise in delivering detailed, informative presentations and reports.
• Basic understanding of MS Office.
• A knack for working collaboratively and effectively in teams.
• Being a smart worker: does your impact match your effort?
• Strong problem-solving and critical thinking skills.
• Creativity: you have ideas, and you’re eager to implement them, optimizing SadaPay’s processes while you work.
• An eye for evolution: you should be able to identify which of our processes need improvement, and better them while you work.

What it takes to become a Sadanaut:

• Fresh graduates are highly encouraged to apply; 6 months to 1 year of hands-on experience in settlement operations is a strong plus.
• Proficiency in Excel and reporting tools to drive data-driven insights.
• Proven expertise in reconciliation and daily settlement processes.
• Strong problem-solving skills coupled with critical thinking abilities.
• A creative mindset with a passion for automating processes to optimize efficiency.
• A basic understanding of and willingness to leverage AI platforms (such as ChatGPT, Gemini, etc.) to improve daily workflows and efficiency.

Perks of being at SadaPay:

• USD-Denominated Salary: Your salary is fixed in PKR and denominated in USD to help protect against currency fluctuations. The USD-denominated amount is converted and paid in PKR and remains subject to all applicable taxes and deductions. If the USD depreciates against the PKR, you will always receive at least your fixed PKR salary.
• Hybrid Work Culture: In locations where we have an office, our teams follow a hybrid work model with 2 days in the office and 3 days remote each week, balancing collaboration, flexibility, and focused work.
• Flexible Leave Policy: We offer a flexible leave policy to support a sustainable work-life balance. We trust our Sadanauts to manage their work and leave responsibly.
• Comprehensive Insurance Coverage: Every team member, regardless of grade, receives Medical Insurance (covering both outpatient and inpatient care), including immediate family and parents.
• Provident Fund Contributions: We provide provident fund contributions to all team members to support their financial growth.
• Technology and Resources: Each team member receives a laptop and additional resources (relevant to their role) to help them work efficiently and comfortably.

Equal Opportunity Provider:

At SadaPay, we are committed to fostering an inclusive environment where everyone feels welcome and valued. We strive to make every team member feel comfortable and respected in the workplace. Discrimination of any kind has no place here; instead, we promote a culture of respect and mutual support among Sadanauts. Our recruitment process is built on fairness and equality for all, irrespective of race, age, gender, color, religion, social status, disability, or ethnicity.

SadaPay is registered as Sadapay Private Limited with the Securities and Exchange Commission of Pakistan (No. 0136598), is regulated by the State Bank of Pakistan, and is a wholly‑owned subsidiary of SadaPay Technologies Ltd., registered in the Dubai International Financial Center under commercial fintech license #3263.SadaPay Mastercard debit cards issued pursuant to a license by Mastercard Asia/Pacific Pte. Ltd.

Offices

SadaPay UAE Office

Unit GA-00-SZ-L1-RT-208, Level 1 Gate Avenue - South Zone, Dubai International Financial Centre, PO Box 507211, Dubai, UAE

SadaPay UK Office

86-90 Paul Street London, EC2A 4NE,
United Kingdom