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