It's pronounced, but here it could tend to sound a bit like f in everyday speech, since k is a voiceless consonant and voicelessness tends to be contagious in Swedish. I posted a link to a native speaker saying the word in another comment on this page.
'A girl' is en flicka in Swedish – she is not yet a woman. On the other hand, in some types of English, lady is used to mean woman as well, so lady is an accepted answer. But the best translation is woman.