Careers

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Career

Operations

This function serves as the core of our business and deals with areas of Takaful policy making, policy implementation processes, claim processing, underwriting, new member assessments, medical examinations, systems maintenance and customer assistance. The operations department depends on qualified and experienced industry professionals for its continued growth and success. Customer assistance is a major area covered by our operations department. All information required by customers related to the policies they have purchased is disseminated by operations. Changes to policies, updates, deletions (servicing) are all carried out here.

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Actuarial Services

Actuarial science is the discipline that applies mathematical and statistical methods to assess risk in the insurance and finance industries. Actuaries are professionals who are qualified in this field through examinations and experience.

Actuarial science includes a number of interrelating subjects, including probability and statistics, finance, and economics. Historically, actuarial science used deterministic models in the construction of tables and premiums.

In traditional life insurance (Takaful), actuarial science focuses on the analysis of mortality, the production of probabilistic scenarios, and the application of formulae to produce scenarios from which appropriate policies can be derived.

Actuarial science is the discipline that applies mathematical and statistical methods to assess risk in the insurance and finance industries. Actuaries are professionals who are qualified in this field through examinations and experience

Finance and Accounts

Finance is one of the most important aspects of business management. Without proper financial planning a new enterprise is unlikely to be successful. Managing money (a liquid asset) is essential to ensure business success, both for individuals and organizations.
Our finance and accounts section is of immense significance to the organization and manages the funds entrusted to us. Core areas of this crucial function include contribution management, investment/fund management, asset management, payment processing, ensuring regulatory compliance, tax management, payroll processing and financial audits.

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Training

Training in an organizational context is the field concerned with activity aimed at bettering the performance of individuals and groups in organizational settings. All organizations rely on qualified, competent and appropriately trained individuals for continued success. Being a services firm, this fact cannot be overstated. PQFTL attaches great importance to the training and development of its staff. In a growing industry where technically qualified individuals are hard to find and where the presence of the appropriate mindset is crucial, training serves to bring our workforce up the standards of service expected from top organizations in our industry. Our training department works very closely with our frontline sales staff to ensure our points of customer contact are appropriately managed. Training encompasses skills in three realms: soft skills, product/process knowledge and technical skills training.

Being a Shariah compliant firm, we strive to ensure adherence to its dictates in everything we do. Our Shariah compliance function aims to identify and address issues related to Shariah compliance and ensure new product and process development rely on Shariah principles from the beginning. Shariah audits are also carried out periodically.

Marketing & Corporate Communication

The Marketing & Corporate Communication Department has been entrusted with the responsibility of handling the company’s most valuable asset – its image. The Marketing & Corporate Communication Department serves as the face of the company and is responsible for communicating with and responding to queries and concerns raised by its valuable clients, as well as building the image of Pak-Qatar Family & General Takaful Limited Company as reliable and trustworthy Takaful operator Company in Pakistan.

The core activities undertaken by the Marketing Department are:

  • Conducting marketing and promotional activities (image building/branding)
  • Making arrangements for events/seminars/presentations/ summits/conferences
  • Publications of Pak-Qatar Takaful Group Annual Reports, brochures and other publicity material
  • Handling print and electronic media pertaining to company’s news items/advertisements/interviews/press releases
  • Website management

Sales (Consumer and Corporate)

Our Consumer and Corporate Sales departments serve as our frontline divisions directly interacting with our customers. While the consumer department sells our products to individuals, the corporate side sells takaful products to organizations. Both departments are based in Karachi but maintain presence in all major cities of Pakistan

Location

We are looking for a qualified and competent resource to join our team as "Deputy Manager - Accounts" based at our Head Office in Karachi.

Education

CA Finalist, ACCA, Master's, or ICMA

Experience

4-6 years of experience, preferably in financial institutions (ideally in a Listed Takaful or Insurance Company). 

Skills Required

  • Hands-on experience in managing Payments, Reconciliations, GL, and Trial Balance Finalization, along with relevant regulatory requirements.
  • Strong analytical skills, MS Office, attention to detail, and expertise in handling large volumes of transactions.

Key Responsibilities

  • Supervise the general ledger management, ensuring accurate classification and timely posting of financial transactions.
  • Prepare and finalize monthly and quarterly trial balances, supporting timely financial closing and reporting.
  • Maintain and monitor the integrity of the chart of accounts and general ledger to ensure correct classification and reporting.
  • Oversee the payment processing function to ensure accuracy, completeness, proper approvals, and compliance with internal controls and tax regulations.
  • Ensure compliance with financial reporting standards, tax laws, and relevant regulatory requirements (e.g., SECP, FBR, Insurance Ordinance).

We are looking for a qualified and detail-oriented professional to join our team as " Manager - Corporate Compliance and Secretarial Practices", based at our Head Office in Karachi.

Education

C.A, ACCA, L.L.B, or ICMA Qualified

Experience

6-8 years of relevant experience in financial institutions, preferably in the Takaful or Insurance sector. The Candidates should have at least 4 years of experience in Corporate Compliance and Secretarial Practices in a listed company.

Skills Required

  • Sound knowledge and experience of regulatory frameworks, PSX regulations, and corporate compliance and secretarial practices.
  • Proficient in MS Office.
  • Strong analytical and problem-solving skills with attention to detail.
  • Ability to manage deadlines, communicate effectively, and handle confidential data responsibly.

 

Key Responsibilities

  • Prepare SECP filings and ensure compliance with all SECP applicable laws and regulations.
  • Prepare presentations, minutes of meetings, and compliance reports.
  • Monitor and implement updates in corporate and regulatory compliance requirements.
  • Coordinate with external auditors, consultants, and internal stakeholders.
  • Support internal control processes and ensure adherence to compliance frameworks.
  • Draft and manage correspondence with PSX regarding disclosures and corporate announcements.

 

We are looking for a dynamic and experienced Claims Evaluation Lead to oversee and manage the end-to-end claims assessment process. This leadership role is responsible for guiding a claims team, ensuring the timely, fair, and accurate settlement of claims in compliance with internal policies and regulatory standards. The ideal candidate will have strong medical knowledge, claims’ evaluation, sound judgment, and a customer-centric approach to ensure prompt and transparent claim resolution. This position requires effective communication with participants, internal departments, and external stakeholders to validate claims and mitigate risk.

Qualification & Experience Required

  • Minimum MBBS or a degree in the related field
  • Minimum 3-4 years of experience in medical claims evaluation/examination, healthcare, or insurance/takaful claims processing.

Required Skills & Competencies

  • Proven ability to lead, develop, and motivate a high-performing team.
  • Strong understanding of healthcare systems, medical claims processes, and industry best practices.
  • In-depth knowledge of health insurance products, claims procedures, and regulatory requirements.
  • Proficient in claims management systems, MS Office applications, and reporting tools.
  • Excellent communication, interpersonal, organizational and leadership skills.
  • Capable of managing multiple claims simultaneously while ensuring accuracy and meeting tight deadlines.
  • Able to work independently and collaboratively in a fast-paced, team-oriented environment.

Job Role

  • Lead and supervise the medical claims team to ensure quality, consistency, and compliance in claims processing.
  • Independently adjudicate and process post-treatment/hospitalization claims, including group health reimbursement and panel cases, in line with internal benchmarks and benefit structures.
  • Oversee the end-to-end claims lifecycle—from claim receipt to final settlement—ensuring timely and accurate processing.
  • Coordinate with hospitals to arrange necessary documents such as doctors’ prescriptions, diagnostic reports, medical and discharge summaries.
  • Address and resolve different internal and external stakeholders’ queries efficiently, maintaining professionalism and responsiveness.
  • Communicate claim-related requirements and updates to clients, and internal stakeholders.
  • Review medical records, invoices, and supporting documents to verify claim validity, coverage eligibility, and adherence to policy terms.
  • Foster strong working relationships with hospitals and clients, ensuring collaboration and trust.
  • Identify opportunities for process improvement and claims automation/digitalization initiatives to enhance operational efficiency in claims evaluation.
  • Collaborate with cross-functional teams to resolve discrepancies and streamline workflows.

Location

Head Office – Karachi

Role Summary

This position is responsible for ensuring the smooth processing of performance reviews and compensation for the sales team, while supporting the Head of Department in budgeting, system improvements, and automation initiatives. A core part of the role includes monitoring branch expenses, analyzing individual life (IL) sales performance, and recommending actionable measures to enhance operational efficiency and cost-effectiveness.

Qualification & Experience Required

  • Minimum Bachelor’s degree in Business Administration or a related field.
  • Minimum 3–5 years of relevant experience in business review management, agency administration, or compensation and rewards management.

Skills Required

  • Strong understanding of business processes, with a detail-oriented approach to payment accuracy and cost tracking.
  • Proven ability to analyze performance and propose effective cost-control strategies.
  • Skilled in MS Excel, Word, PowerPoint, and familiar with business reporting and automation tools.
  • Strong interpersonal skills to coordinate with branches and cross-functional teams effectively.

Job Role

  • Oversee the end-to-end implementation, validation, and enhancement of IL-DSF (Direct Sales Force) payroll and compensation systems.
  • Conduct scheduled performance evaluations (monthly, quarterly, and half-yearly) of sales staff to inform compensation and review management decisions.
  • Ensure data integrity and serve as the final custodian of compensation records, ensuring accuracy and completeness in all reports.
  • Monitor branch-level expenses, identify variances, and recommend actionable cost-control and efficiency measures.
  • Analyze compensation data and trends, flag anomalies, and suggest corrective actions to optimize cost management.
  • Lead automation and system improvement projects to reduce manual interventions, minimize errors, and enhance operational efficiency.
  • Maintain audit-ready documentation and ensure timely reconciliation of all compensation and expense records.
  • Partner with cross-functional teams to standardize processes, implement operational best practices, and drive continuous improvement.

Job Description

Are you a dynamic and results-driven sales leader looking for your next big opportunity? Pak-Qatar Family Takaful Limited is seeking a high-energy Branch Manager to drive business growth, build a winning team, and lead the charge in the financial sector.

What We’re Looking For

  • A passionate leader with minimum 2 to 3 years of sales experience (preferably in financial services).
  • A bachelor’s degree from an HEC-recognized university.
  • A proven track record of achieving and exceeding sales targets.
  • Strong communication & interpersonal skills to build lasting client relationships.
  • Expertise in sales strategy & execution with a deep understanding of financial markets.
  • Corporate sector connections to drive business expansion.

Your Role & Responsibilities

  • Build & lead a high-performing sales team.
  • Develop & implement sales strategies to maximize branch profitability.
  • Identify & pursue new business opportunities by meeting potential clients.
  • Analyse market trends to stay ahead of the game.
  • Conduct client meetings & presentations to promote financial solutions.
  • Expand into new markets to fuel long-term business growth.
  • Monitor & track sales performance to drive results.

Why Join Us?

  • Unlimited growth potential in a thriving industry.
  • Supportive & innovative work environment.
  • Attractive compensation, incentives and international trips

Job Description

We are seeking a dynamic and highly motivated sales individual to join our team as Business Development Manager in our Pak-Qatar Family Takaful Limited Company.

Qualification & Experience Required

  • Minimum Bachelor’s degree from HEC recognized University.
  • Minimum 2 to 5 years of sales experience, preferably in the financial sector.

Skills Required

  • Strong interpersonal and communication skills to establish and maintain client relationships.
  • Exceptional communication and presentation abilities to effectively convey complex investment concepts to clients and prospects.
  • In-depth knowledge of financial markets, mutual funds, and investment strategies.
  • Well-established corporate sector connections to drive business growth.
  • Proficiency in business planning, forecasting, monitoring, and analysis.

Job Role

  • Develop and execute sales strategies and plans to achieve sales targets within the assigned area
  • Generate business leads by meeting potential clients and assist them in their investment
  • Analyze market trends, competitor activities, and client needs to identify new opportunities and refine sales strategies
  • Build and maintain strong relationships with corporate, High Net worth and individual clients
  • Conduct client meetings and presentations to promote investment products and services
  • Identify and pursue new business opportunities within the assigned area to expand the institutional client base.
  • Explore new markets and opportunities to improve short and long-term business growth
  • Monitor and analyze sales performance metrics, including sales volume, revenue, and market share within the designated area

Job Description

This role involves overseeing branch expense controls, processing sales benefits, analyzing the business performance of the Sales Team, and providing strategic recommendations to enhance operational efficiency and cost-effectiveness.

Qualification & Experience Required

  • Minimum Bachelor’s degree in Business Administration, Statistics, or a related field.
  • Minimum 2–3 years of experience in business operations, payment processing, or expense management

Skills Required

  • Strong financial acumen with attention to detail in managing payouts and expense tracking
  • Proficiency in MS Excel, Word, PowerPoint, and business reporting tools
  • Strong analytical skills with the ability to identify cost-saving measures
  • Excellent communication and coordination skills for cross-functional collaboration

Job Role

  • Track and analyze branch expenses, identify overspending or inefficiencies, and recommend corrective actions to Head of Department.
  • Evaluate and implement process improvements in payment processing and expense control to enhance operational efficiency.
  • Collaborate with cross-functional teams to implement best practices and drive operational efficiency across the business.
  • Maintain and update detailed records and reports on payouts for audits and periodic reconciliation.
  • Collaborate with the sales team to address queries and maintain strong coordination with finance and audit teams for validating payout data.

Job Description

Pak-Qatar Family Takaful Company is seeking qualified and energetic individual to join our Medical Services department in Islamabad

Qualification & Experience Required

  • Minimum MBBS / BDS or a degree in the related field
  • Minimum 3-5 years of relevant work experience

Skills Required

  • Strong understanding of healthcare systems
  • Have good medical claims knowledge
  • Knowledge of industry practices, processes and products
  • Ability to evaluate patient needs, conditions, and treatment plans
  • Excellent communication, interpersonal, and organizational skills.
  • Ability to work independently and as part of a team.

Job Role

  • Lead the function of case management for treatment requests at panel hospitals
  • Review and authorize medical cases and documents with respect to policies
  • Close liaison with hospitals and doctors for various official assignments
  • Ability to work closely with cross-functional teams and with panel hospital/clients
  • Adjudication and processing of all medical claims independently with due diligence
  • Collaborate with healthcare providers, insurance/takaful adjusters, and other stakeholders to ensure seamless healthcare delivery.
  • Communicate requirements to hospitals/clients (i.e., approvals, reports, medical reports etc.)
  • Reconciliation of accounts to get NOCs from Panel Hospitals

Position Summary

We are looking for a dynamic Customer Service Officer who is quick to learn, adaptable, and willing to go the extra mile to ensure an exceptional customer experience. This is a junior-level position, perfect for candidates looking to grow in the financial services industry. Qualification &

Experience Required

  • Bachelor’s degree from a reputable institution
  • Minimum 1 year of relevant experience preferably in Takaful / Insurance / Mutual Funds or Asset Management Companies (AMCs)
  • A strong desire to learn and adapt in a customer-centric, fast-moving environment.

Skills Required

  • Strong problem-solving skills and a customer-first attitude, always willing to go the extra mile
  • Ability to multitask and process information quickly in a fast-paced environment
  • A dynamic, growth-oriented mindset with a passion for continuous learning
  • Excellent interpersonal, communication, and negotiation abilities
  • Proficiency in MS Office, especially Excel – Strong analytical skills are a must

Job Role

  • Participant Engagement: Serve as the primary point of contact for HNW participants, following up with them via calls and messages to gather required documentation and address requests raised by internal departments
  • Negotiation & Problem Resolution: Handle negotiation calls with participants to resolve their concerns efficiently, ensuring smooth interactions and positive outcomes
  • Complaint Handling: Address walk-in participants’ grievances with care and provide personalized resolutions to meet their needs
  • Policy Communication: Draft basic policy-related letters, ensuring accuracy, and manage the scanning and dispatch of documents
  • Relationship Management: Build and maintain strong relationships with participants, engaging with them via calls and in-person to resolve issues and provide outstanding service

Position Summary

We are looking for a dynamic Customer Service Officer who is quick to learn, adaptable, and willing to go the extra mile to ensure an exceptional customer experience. This is a junior-level position, perfect for candidates looking to grow in the financial services industry. Qualification &

Experience Required

  • Bachelor’s degree from a reputable institution
  • Minimum 1 year of relevant experience preferably in Takaful / Insurance / Mutual Funds or Asset Management Companies (AMCs)
  • A strong desire to learn and adapt in a customer-centric, fast-moving environment.

Skills Required

  • Strong problem-solving skills and a customer-first attitude, always willing to go the extra mile
  • Ability to multitask and process information quickly in a fast-paced environment
  • A dynamic, growth-oriented mindset with a passion for continuous learning
  • Excellent interpersonal, communication, and negotiation abilities
  • Proficiency in MS Office, especially Excel – Strong analytical skills are a must

Job Role

  • Participant Engagement: Serve as the primary point of contact for HNW participants, following up with them via calls and messages to gather required documentation and address requests raised by internal departments
  • Negotiation & Problem Resolution: Handle negotiation calls with participants to resolve their concerns efficiently, ensuring smooth interactions and positive outcomes
  • Complaint Handling: Address walk-in participants’ grievances with care and provide personalized resolutions to meet their needs
  • Policy Communication: Draft basic policy-related letters, ensuring accuracy, and manage the scanning and dispatch of documents
  • Relationship Management: Build and maintain strong relationships with participants, engaging with them via calls and in-person to resolve issues and provide outstanding service

Pak Qatar Group, a leading Islamic Financial Services Group, is looking to hire a Head of Digital Sales with a proven and tangible track record in managing and executing successful online sales channels/campaigns, with measurable results in terms of revenue growth and customer acquisition.

Educational Qualifications:

  • Bachelor or Master in Marketing / Business Administration with a focus on Digital Marketing, Social Media, and Sales Management from top-tier universities

Professional Experience:

  • 7 to 10 years of experience (2-3 years as Head or Deputy Head of Digital Sales) in managing Sales via Digital Channels, E-Commerce (e.g. Quick Commerce), Call Centre.
  • 4 to 5 years of experience must be in the financial services sector (Banks or Asset Management Companies). Experience in the Islamic Financial Sector would a be plus.

Key Skills:

  • Digital Skills & Tools: Well versed with SEO, SEM, PPC, GDN, Google Analytics, social media marketing tools, e-commerce platforms, CRM (Microsoft Dynamix 365), conversion rate optimization (CRO) techniques, and sales automation tools (e.g. SalesForce).
  • Market Research (Segmentation analysis, Customers, Products, Technologies etc).
  • Excellent Analytical skills & Interpersonal Skills.
  • Lead Managemen

Personality Traits:

  • Innovative Mindset: Ability to think creatively and develop new approaches to online sales.
  • Result-oriented: Strong focus on achieving targets and driving growth.
  • Leadership: Ability to inspire and lead a team towards achieving sales objectives.

Position Summary

This position requires the incumbent to support Group’s overall business plans and strategies through effective, reliable, prompt and smart administrative and general services solutions to both internal and external customers across the country Qualification & Experience Required Bachelor’s degree in Business Administration, Management, or a related field. A Master’s degree is preferred. Certification/ Diploma in Administration, Project Management or relevant field is preferred 8-10 years of experience – trans-provincial working experience is a plus

Skills Required

  • Strong leadership and team management skills
  • Excellent organizational and problem-solving abilities
  • Good interpersonal and negotiation skills
  • Good organizing and prioritizing ability
  • Ability to work smartly and persistently within strict deadlines
  • Ability to travel cities/concerned area branches across country
  • Must have adequate knowledge of electrical, plumbing, HVAC, and civil works, for both building maintenance and new projects
  • Familiarity with procurement processes, vendor management, facility management, and budget management 

Job Role

  • Lead and supervision of general administrative facilities
  • Lead and supervise head office/branches new/existing contracts, constructions & renovations
  • Assist in forecasting and planning administrative costs and budgets
  • Responsible for documentation management for all projects managed under administration
  • Negotiation and close coordination with vendors and follow up with projects
  • Liaison with various departments along with internal & external stake holders
  • Lead & supervise takaful management of assets and company properties
  • Compile periodical and ad-hoc reports and analysis
  • Plan and coordinate company events, meetings, and other activities as needed
  • Maintains working relationships and communicates with all departments
  • Ensure compliance with all relevant regulations and company policies related to administration and general services
  • Ensures a safe, secure, and well-maintained facility that meets environmental, health, and security standards.
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