Pakistan Market Research Analyst

Role Overview

This is a part-time remote position focused exclusively on the Pakistani digital financial services ecosystem.

You will conduct structured, data-driven analysis of:

Licensed digital banks and digital banking initiatives

Electronic Money Institutions (EMIs)

E-wallet and branchless banking operators

Payment Service Providers (PSPs) and Payment System Operators (PSOs)

Fintech startups

BNPL and digital lending platforms

Islamic fintech and Shariah-compliant digital products

Open banking and API-driven financial infrastructure

Regulatory frameworks under the State Bank of Pakistan (SBP)

Your research will directly support market entry strategy, licensing strategy (EMI / MFB / NBFC), product positioning, and partnership development in Pakistan.

Key Responsibilities

Map Pakistan's digital finance ecosystem (commercial banks, microfinance banks (MFBs), EMIs, fintechs, Islamic banks, branchless banking players)

Analyze e-wallet penetration, Raast adoption (instant payment system), mobile banking usage, and financial inclusion metrics

Track regulatory developments under SBP (EMI regulations, digital banking framework, branchless banking regulations, consumer protection, lending guidelines)

Build structured competitive intelligence reports on digital-first and Islamic finance players

Assess SME and consumer digital financing landscape

Evaluate remittance flows (home remittances), cross-border payments, and corridor opportunities

Produce executive-ready strategy reports, ecosystem maps, and market-sizing models

Identify white spaces in Pakistan's digital financial services sector

Core Keywords & Focus Areas

Digital Banking Pakistan

Electronic Money Institutions (EMI)

Branchless Banking

Raast Instant Payments

Fintech Ecosystem Pakistan

Payment Service Providers (PSP)

Payment System Operators (PSO)

BNPL Pakistan

Digital Lending

Islamic Banking & Islamic Fintech

Microfinance Banks (MFB)

Financial Inclusion

Open Banking

RegTech

Embedded Finance

SME Digital Financing

Remittances Pakistan

State Bank of Pakistan (SBP) Regulation

Emerging Markets Fintech

Qualifications

Experience in fintech, digital banking, payments, consulting, or financial research

Strong understanding of Pakistan's digital financial services landscape

Familiarity with State Bank of Pakistan (SBP) regulatory framework

Understanding of EMI vs MFB vs NBFC structures is a strong advantage

Analytical mindset with ability to interpret regulatory guidelines and market data

Excellent report-writing and strategic synthesis skills

Comfortable working independently in a remote environment

English fluency required

Based in Pakistan preferred