Careers |Pak-Qatar Family Takaful Limited

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.

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.

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

Area Sales Director – Retail Sales, Central

Job Description

Minimum Bachelor’s or Master’s degree from a recognized institution.
12–15 years of progressive sales experience, including at least 6–7 years in a senior leadership role within banking, asset management companies (AMC), or financial services.
Proven ability to lead multiple regions, manage large-scale sales operations, and deliver consistent growth.
Strong strategic vision with deep market knowledge of the assigned region (Central/North) and a robust network in retail, affluent, and institutional segments.
Demonstrated expertise in building, mentoring, and retaining high-performing sales leaders and teams.
Strong track record of driving revenue growth, managing P&L responsibilities, and achieving ambitious targets.

Key Responsibilities

Lead and oversee regional sales operations for the assigned area, ensuring alignment with corporate strategy and growth objectives.
Develop, execute, and monitor long-term sales strategies and annual business plans for Central/North Region.
Expand market share by penetrating new high-potential segments and enhancing reach in existing markets.
Build and strengthen strategic partnerships with high-net-worth clients, corporate accounts, and key institutions.
Monitor market trends, competitor strategies, and regulatory changes, and leverage insights to capture business opportunities.
Ensure operational excellence through effective budgeting, forecasting, and performance management.

Location

Based in Lahore

Area Sales Director – Retail Sales, North

Job Description

Minimum Bachelor’s or Master’s degree from a recognized institution.
12–15 years of progressive sales experience, including at least 6–7 years in a senior leadership role within banking, asset management companies (AMC), or financial services.
Proven ability to lead multiple regions, manage large-scale sales operations, and deliver consistent growth.
Strong strategic vision with deep market knowledge of the assigned region (Central/North) and a robust network in retail, affluent, and institutional segments.
Demonstrated expertise in building, mentoring, and retaining high-performing sales leaders and teams.
Strong track record of driving revenue growth, managing P&L responsibilities, and achieving ambitious targets.

Key Responsibilities

Lead and oversee regional sales operations for the assigned area, ensuring alignment with corporate strategy and growth objectives.
Develop, execute, and monitor long-term sales strategies and annual business plans for Central/North Region.
Expand market share by penetrating new high-potential segments and enhancing reach in existing markets.
Build and strengthen strategic partnerships with high-net-worth clients, corporate accounts, and key institutions.
Monitor market trends, competitor strategies, and regulatory changes, and leverage insights to capture business opportunities.
Ensure operational excellence through effective budgeting, forecasting, and performance management.

Location

Based in Islamabad

Head of Actuarial Services Head Office - Karachi

What we are looking for

Possession of an Associate-level qualification (such as ASA, AIA, or equivalent) is a mandatory requirement for consideration for this position.
8–10+ years of actuarial experience in industry, with strong exposure to IFRS 17 frameworks.
Hands-on experience with Prophet, Excel VBA, and similar modeling tools.
Excellent communication and leadership skills; ability to influence strategic decisions.

Key Responsibilities

Lead actuarial functions across Life & Family Takaful, including pricing, valuation, and product development.
Oversee IFRS 17 implementation and ensure accurate actuarial inputs in financial reporting.
Ensure compliance with SECP regulations and actuarial standards of practice.
Collaborate with Finance, Risk, and Shariah teams to align actuarial insights with business strategy.
Develop and validate actuarial models.
Mentor the actuarial team and drive a culture of learning, innovation, and integrity.

Location

Head Office – Karachi

Corporate Sales Manager

Location

Gujranwala, Gujrat, and Sialkot.

Retail Sales Manager

Location

Gujranwala, Gujrat, and Sialkot.

Regional Trainer Head Office - Karachi

What We Are Looking For

Bachelor’s degree (Master’s preferred)
2–3 years of hands-on training experience in Asset Management or Banking sector
Certified Trainer (from reputable institute or body)
Proven track record of training field-based sales professionals with measurable results
Excellent communication, facilitation, and coaching skills

Key Responsibilities

Design and deliver engaging training programs tailored to sales teams
Use AI-powered tools, e-learning platforms, and interactive methodologies to upskill teams
Coach and mentor front-line sales force to transform them into high-performing producers
Collaborate with department heads to assess training needs and close skill gaps
Support onboarding and continuous development initiatives with impact-driven learning experiences
Evaluate training effectiveness using KPIs, feedback loops, and performance data

Location

Head Office – Karachi

Regional Head – Retail Sales Islamabad

What We Are Looking For

Minimum Bachelor’s or Master’s degree from a recognized institution.
A total of at least 9-10 years’ experience out of which 4-5 years must be in sales leadership, preferably in financial services, insurance, or Takaful.
Strong knowledge of the Islamabad/Rawalpindi market with a solid network in retail and affluent segments.
Proven experience in managing large sales teams and developing talent to achieve aggressive growth.
Strong command over consultative selling, client engagement, and target-driven execution.

Key Responsibilities

Develop and implement regional sales strategies to meet business targets.
Expand market outreach in Islamabad/Rawalpindi and surrounding areas, focusing on high-potential segments and institutions.
Build lasting relationships with high-net-worth clients and the retail market.
Build and retain a top-performing sales team through hiring, training, and ongoing coaching.
Identify new business opportunities by tracking emerging markets, industry trends, and competitors.

Location

Islamabad

Relationship Officer (Across Pakistan)

Eligibility Criteria

Qualification: Bachelor’s degree
2–3 years of experience in financial services, preferably in Takaful/Insurance

What we are looking for

Strong interpersonal and customer relationship-building skills
Excellent communication with a problem-solving approach
A presentable, positive, and growth-oriented attitude
Ability to earn customer trust and deliver consistent, high-quality service

Key Responsibilities

Deliver personalized and timely service to your assigned customer portfolio
Support branch teams in resolving customer queries and enhancing satisfaction
Meet business retention targets through proactive customer engagement
Follow up regularly to ensure timely renewals and service continuity
Reactivate lapsed or revivable policies through meaningful conversations
Identify potential opportunities to contribute to new business growth in your region.

Why Join Us?

Opportunity to build a rewarding career in a growing industry.
Continuous learning and development support
Performance-based growth and recognition.
A customer-centric culture that values initiative and service excellence.

Assistant Manager– Financial Reporting (IFRS 17)

Education

Experience

3-5 years of experience, preferably in financial institutions (ideally in a Listed Takaful or Insurance Company) or in an Actuarial Consultancy Firm.

Skills Required

Adequate understanding of IFRS 17 is desired.
Hands-on experience in preparing management accounts, financial analysis, and budgeting.
Strong analytical skills, MS Office, attention to detail, and coordination with stakeholders.

Key Responsibilities

Support the implementation and ongoing application of IFRS 17, including data gathering, analysis, and coordination with internal teams and actuarial consultants.
Assist in the preparation of IFRS 17-compliant financial statements and related disclosures, ensuring alignment with international reporting standards.
Collaborate with actuarial teams to validate assumptions, understand contractual service margins (CSM), and integrate actuarial outputs into financial reports.
Reconcile and perform detailed analyses of large financial datasets to support IFRS 17 calculations, profitability analysis, and risk assessment.
Liaise with internal stakeholders (Actuarial, IT) and external stakeholders (auditors, consultants) for effective implementation and reporting under IFRS 17.

Assistant Manager– Financial Reporting

Education

Experience

3-5 years of experience, preferably in financial institutions (ideally in a Listed Takaful or Insurance Company).

Skills Required

Hands-on experience in preparing management accounts, monthly/quarterly financial statements, and budgeting.
Strong analytical skills, MS Office, attention to detail, and expertise in handling large volumes of transactions.

Key Responsibilities

Assist in preparing accurate and timely monthly, quarterly, and annual financial statements in compliance with applicable accounting standards and regulatory requirements.
Assist in the preparation of annual budgets, forecasts, and variance analysis by collaborating with relevant departments.
Ensure financial reporting complies with the requirements of IFRS, SECP, FBR, and other applicable regulatory bodies, especially for listed entities.
Liaise with external and internal auditors by providing required schedules, supporting documents, and reconciliations during audit processes.

Executive Officer – Payments

Education

Experience

2-3 years of experience, preferably in financial institutions (ideally in Takaful or Insurance) in the Payment function.

Skills Required

Adequate knowledge of payment processing, tax withholdings, and regulatory requirements.
Good analytical skills, MS Excel, attention to detail, and expertise in handling large volumes of transactions and ensuring accurate and timely payments.

Key Responsibilities

Ensure accurate and timely processing of all vendors, employees, and operational payments in compliance with internal policies and procedures.
Apply appropriate tax deductions (withholding tax, sales tax, etc.) as per applicable laws and ensure proper documentation and compliance.
Coordinate with banks for payment processing, and resolving transaction issues.
Review and verify supporting documents for all payment requests to ensure completeness, accuracy, and proper approvals.

Executive Officer– Tax

Education

Experience

1-2 years of experience in financial institutions, ideally in Takaful or Insurance in the Tax function.

Skills Required

Adequate knowledge of tax compliance and regulatory requirements.
Hands-on Experience in tax filings and coordinating with tax consultants.
Good analytical skills, MS Office, attention to detail, and expertise in handling large volumes of transactions.

Key Responsibilities

Ensure timely and accurate preparation and submission of tax returns (Income Tax, Sales Tax, Withholding Tax, etc.) in compliance with applicable laws and regulations.
Maintain organized and updated tax records, documentation, and reconciliations to support audits and ensure regulatory readiness.
Assist during internal and external audits related to tax matters, ensuring the provision of necessary documentation and responses.

Deputy Manager– Accounts

Education

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).

Manager – Corporate Compliance and Secretarial Practices

Education

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.

Lead Claims Evaluator – Health Claims

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

Deputy Manager – Operations Services

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.

Branch Manager

Group Manager

Regional Manager

Careers

Operations

Actuarial Services

Finance and Accounts

Training

Marketing & Corporate Communication

Sales (Consumer and Corporate)

Job Description

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Job Description

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What we are looking for

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What We Are Looking For

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What We Are Looking For

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Eligibility Criteria

What we are looking for

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Why Join Us?

Education

Experience

Skills Required

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Education

Experience

Skills Required

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Education

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Skills Required

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Education

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Skills Required

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Education

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Skills Required

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Education

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Skills Required

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Qualification & Experience Required

Required Skills & Competencies

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Role Summary

Qualification & Experience Required

Skills Required

Job Role

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