About us

Neem is Pakistan’s full-stack payment infrastructure platform. We enable businesses of all sizes to accept payments, disburse funds, and manage money through a single, unified system. From collections and disbursements to branded wallets, ledgers, reconciliation, and real-time visibility, Neem powers the financial operations behind Pakistan’s fastest-growing enterprises in logistics, insurance, retail, e-commerce, education, and more.

Founded by serial fintech entrepreneurs and backed by leading global investors, Neem is shaping the rails that move Pakistan's digital economy.

As part of our Earned Wage Access product - Neem Paymenow (NPMN), we are on a mission to empower employees by giving them access to their earned wages, anytime they need it. We partner with employers who want to enhance employee financial wellness, productivity, and retention.

What we offer

• Hands-on operating experience of building pioneering digital fintech businesses with a powerful impact vision for Pakistan and emerging markets, together with a globally experienced team of operators, and entrepreneurs
• A supportive and inclusive culture designed to help you find your purpose & grow you professionally and as a person
• Competitive salary base
• Health & wellbeing allowance
• Employee stock options scheme

What are we looking for

We are looking for a Reconciliation & Operations Manager to join our Neem Paymenow team and take ownership of ensuring the accuracy, integrity, and timeliness of transaction processing, liquidity management, and financial operations. This role oversees end-to-end reconciliation of switch transactions, monitors liquidity and prefunding requirements, strengthens financial controls, and delivers actionable reporting to support strategic decision-making. The position plays a critical role in safeguarding operational reliability, minimizing financial risk, and enabling sustainable business growth.

The ideal candidate combines strong analytical thinking with hands-on execution and thrives in a fast-paced fintech environment where precision, accountability, and proactive problem-solving are essential.

Your responsibilities

• Reconciliation & Settlement
  
  • Perform daily and monthly reconciliation of 1LINK switch transactions against the core banking system and GL accounts.
  • Identify, investigate, and resolve transaction mismatches, reversals, failed or partial IBFTs, and disputes, including SDRS case management.
  • Coordinate with 1LINK, member banks, Finance, and internal teams to resolve discrepancies and ensure timely customer outcomes.
  • Maintain accurate reconciliation records, trackers, and supporting documentation, and prepare reconciliation and exception reports for management.
  • Continuously improve processes to enhance automation, efficiency, and risk mitigation.
• Liquidity Management
  
  • Monitor daily liquidity positions and funding requirements to support uninterrupted business operations.
  • Manage prefunding levels, utilization tracking, and exposure monitoring aligned with transaction activity.
  • Develop forward-looking liquidity forecasts based on usage patterns, payroll cycles, and growth trends.
  • Proactively identify liquidity risks and recommend practical solutions to maintain optimal financial positioning.
• Business Reporting & Financial Operations
  
  • Translate operational and financial data into clear, actionable insights that support informed decision-making.
  • Build and maintain reporting frameworks that provide visibility into transaction performance, reconciliation status, liquidity metrics, and billing accuracy.
  • Oversee the accuracy of client billing, invoicing, and settlement tracking.
  • Support onboarding from a financial control perspective, ensuring compliance with internal governance standards.

You should apply if

• You have a Bachelor’s degree in Accounting, Finance, Business Administration, or a related field.
• You bring 4+ years of experience in reconciliation, settlements, liquidity monitoring, or financial operations within banking, fintech, or payments environments.
• You have hands-on experience with 1LINK switch transactions, IBFT processing, and reconciliation operations and a solid understanding of core banking systems, general ledger (GL) reconciliations, and settlement accounting.
• You are comfortable owning daily financial controls and managing time-sensitive operational deadlines independently.
• You have strong analytical skills and can translate transaction data into actionable financial insights.
• You communicate clearly and collaborate effectively across internal teams, banks, and external stakeholders.
• You demonstrate exceptional attention to detail, especially when working with sensitive customer data.
• You are aligned with our Neem core values and ready to show-up daily in sync with those principles (below)

Our Neem core values:

💫 Our purpose is our north star

🧗🏽 We put autonomy over control

🚴🏽‍♀️ We roll with YES mindset

🤲🏼 We speak up openly

🌿 We care about our impact

❤️ We nurture ourselves

At Neem, we are always on the lookout for remarkable talent, values fit, competence, and people driven by purpose. We are building a diverse, inclusive and authentic workplace, so if you’re excited about any of the open roles but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be just the right candidate for this or other roles.