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credit analyst credit risk management

ACCA Careers

<div>
 :
 
 
 <ul>
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 Evaluate financial data and assess creditworthiness of businesses or individuals
 </li>
 <li>
 Manage credit risk and ensure regulatory compliance
 </li>
 <li>
 Support credit strategies and guide field teams for aligned growth
 </li>
 <li>
 Enforce internal credit policies and Service Level Agreements (SLAs)
 </li>
 <li>
 Assess credit applications and determine appropriate limits
 </li>
 <li>
 Collaborate with business teams to balance risk and growth
 </li>
 <li>
 Prepare reports on regional credit performance and trends
 </li>
 <li>
 Apply financial analysis and risk assessment skills
 </li>
 <li>
 Maintain expertise in credit policy, collections, and recovery processes
 
 
 </li>
 </ul>
 :
 
 
 <ul>
 <li>
 Experienced: Up to 3 years in a similar role within the financial sector
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 Fresher: 16 years of education / Degree in Business, Finance, Accounting, or a related field from an HEC-recognized institution
 
 
 </li>
 </ul>
 :
 
 
 
 Interested Candidates Are Encouraged To Send Their Resumes To
 
 
 
 careers1.hc@gmail.com
 
 
 
 CC: careers@humancapitalintl.com
 
 
 
 
 Follow Our Social Accounts for the Latest Job Opportunities!
 
 
 
 
 Instagram:
 
 https://www.instagram.com/humancapitalhrsolutions/
 
 LinkedIn:
 
 https://www.linkedin.com/company/human-capital-hr-solution/
 
 Facebook:
 
 https://www.facebook.com/humancapitalhrsolution/
</div>

Credit Analyst / Credit Risk Management

Human Capital HR Solutions

Key Responsibilities:<ul><li>Evaluate financial data and assess creditworthiness of businesses or individuals</li><li>Manage credit risk and ensure regulatory compliance</li><li>Support credit strategies and guide field teams for aligned growth</li><li>Enforce internal credit policies and Service Level Agreements (SLAs)</li><li>Assess credit applications and determine appropriate limits</li><li>Collaborate with business teams to balance risk and growth</li><li>Prepare reports on regional credit performance and trends</li><li>Apply financial analysis and risk assessment skills</li><li>Maintain expertise in credit policy, collections, and recovery processes</li></ul>Requirements:<ul><li>Experienced: Up to 3 years in a similar role within the financial sector</li><li>Fresher: 16 years of education / Degree in Business, Finance, Accounting, or a related field from an HEC-recognized institution</li></ul>How to Apply:<ul><li>Interested candidates are encouraged to send their resumes to:</li><li>careers1.hc@gmail.com</li><li>CC: careers@humancapitalintl.com</li></ul>Follow Our Social Accounts for the Latest Job Opportunities!<ul><li>Instagram: https://www.instagram.com/humancapitalhrsolutions/</li><li>LinkedIn: https://www.linkedin.com/company/human-capital-hr-solution/</li><li>Facebook: https://www.facebook.com/humancapitalhrsolution/</li></ul>Job Type: Full-timeWork Location: In person

UBL - United Bank Limited

<div>
 
 
 Group:
 
 Risk &amp; Credit Policy
 
 
 
 Location
 
 : Head Office
 
 
 
 
 
 
 Profile Summary:
 
 
 
 Responsible for reviewing credit proposals and overseeing credit relationships for FI clients to ensure they meet internal policies and regulatory rules. Proactively identifies and raises key credit risks and any compliance or documentation issues. Supports sound and well-informed credit decisions.
 
 
 
 
 
 
 Job Responsibilities:
 
 
 
 
 
 
 
 Credit Analysis &amp; Due Diligence
 
 
 <ul>
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 Conduct in-depth credit assessments for new and existing FI clients
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 Analysis of financial statementsto identify any anomalies, assess industry risks, and evaluate sector dynamics that may impact creditworthiness
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 Evaluate loan requests by collecting and analysing information about customers&rsquo; financial standing and repayment capacity and clearly documenting all credit risks and how they will be managed
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 Analyse the financial health and operational aspects of obligors to support credit decisions
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 Ensure timely and insightful evaluation of credit proposals from FI business, confirming all credit approvals comply with regulatory and policy guidelines
 </li>
 </ul>
 
 
 Portfolio Monitoring &amp; Risk Mitigation
 
 
 <ul>
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 Actively manage and assess the FI portfolio, quickly identifying and raising concerns about any credit issues
 </li>
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 Determine country risk ratings, review limits for specific countries, and monitor overall exposure by assessing political risks and major economic trends
 </li>
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 Monitor key credit parameters such as expiry dates, covenants, deferrals, and past dues
 </li>
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 Review MIS reports on overdue accounts and NPLs to identify issues, proactively raise red flags, and develop strategies to mitigate key risks and prevent further deterioration
 </li>
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 Monitor covenants and other credit-related matters, track regularization of deferrals, and prepare required reports
 </li>
 </ul>
 
 
 Governance, Reporting &amp; Stakeholder Partnership
 
 
 <ul>
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 Prepare MIS and presentations for management committees and board meetings, highlighting key risks, trends, and recommendations for risk mitigation
 </li>
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 Ensure compliance with all relevant regulatory requirements and internal credit policies, including SBP PRs and the Bank&rsquo;s Credit Policy / Credit Manual
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 Monitor geopolitical events, sovereign credit risks, and macroeconomic conditions
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 Maintain effective coordination and communication with relevant stakeholders to ensure timely resolution of their requirements
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 Stay up to date on credit risk regulations, best practices, and economic trends impacting the risk environment.
 </li>
 </ul>
 
 
 
 
 
 Experience and Qualification Requirement:
 
 
 <ul>
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 Minimum 3-5 years of relevant experience.
 </li>
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 Bachelors / Masters degree, preferably in a related discipline such as Finance, Accounting, Economics, or Business Administration
 </li>
 </ul>
 
 
 
 
 
 Skills Required:
 
 
 <ul>
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 Knowledge of accounting and finance principles
 </li>
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 Acquire familiarity with SBP PRs and the Bank&rsquo;s Credit Policy / Credit Manual
 </li>
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 Ability to apply knowledge and experience to actual credit situation and to communicate assessments and opinions clearly
 </li>
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 Balanced and independent judgement, with the character to assess each credit proposal on its merit
 </li>
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 Strong written and verbal communication skills
 </li>
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 Ability to work effectively in a team-oriented environment
 </li>
 </ul>
</div>

Senior Credit Analyst - Financial Institution

BROTHER'S ENTERPRISES (PVT) LIMITED

Job Responsibilities &ndash; Accounts Receivables Executive1. Receivables Management<ul><li>Maintain and update customer accounts, ensuring timely recording of all debit/credit notes, and adjustments.</li><li>Monitor outstanding receivables and ensure timely collection in line with company credit terms.</li><li>Prepare and issue customer account statements and follow up for payments through calls, emails, and coordination with the sales team.</li></ul>2. Credit Control &amp; Customer Coordination<ul><li>Evaluate customer credit limits in coordination with finance management and sales.</li><li>Track overdue accounts and escalate high-risk cases with recommendations for action.</li></ul>3. Reconciliations &amp; Reporting<ul><li>Perform regular customer ledger reconciliations and ensure accurate balances.</li><li>Reconcile receivables with bank deposits, cash collections, and sales ledgers.</li><li>Prepare daily/weekly/monthly AR aging reports and highlight variances or risks.</li><li>Support month-end and year-end closing activities related to receivables.</li></ul>4. Documentation &amp; Compliance<ul><li>Maintain updated records required for audits, tax filings, and regulatory compliance (including sales tax and withholding tax where applicable).</li><li>Assist in implementing and improving AR processes, internal controls, and ERP usage.</li></ul>5. Coordination with Internal Departments<ul><li>Work closely with the Sales, Supply Chain, and Finance teams to ensure accuracy of sales, delivery records, and customer balances.</li><li>Assist in cashflow forecasting by providing accurate receivables projections.</li><li>Support management with reports and analysis related to customer performance, collections, and credit exposure.</li></ul>Eligibility CriteriaEducation, Experience &amp; Skills Required:<ul><li>Minimum Bachelor&rsquo;s degree in Accounting, Finance, Commerce, or related field.</li><li>ACCA Part-Qualified or ICMA/CA (intermediate) preferred.</li><li>Master&rsquo;s degree in Finance/Accounting will be an advantage.</li><li>3&ndash;5 years of relevant experience in Accounts Receivables, preferably in food, pharmaceutical, chemicals.</li><li>Hands-on experience with ERP systems (SAP, Oracle, QuickBooks, or similar) preferred.</li><li>Strong knowledge of AR processes, reconciliations, GST/Sales Tax, and WHT.</li><li>Excellent communication, follow-up, and negotiation skills.</li><li>Proficiency in MS Excel and financial reporting tools.</li><li>Strong analytical skills with attention to detail and accuracy.</li><li>Age not more than 28 years.</li><li>Ability to work under pressure and meet strict deadlines.</li><li>Strong ethical standards and professional integrity.</li></ul>.Job Type: Full-timePay: Rs70,000.00 - Rs80,000.00 per monthWork Location: In person

Account Receivables Executive

Visa

<div>
 
 Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose &ndash; to uplift everyone, everywhere by being the best way to pay and be paid.
 
 
 
 
 Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.
 
 
 
 
 
 
 Job Description
 
 
 
 
 Visa&rsquo;s CEMEA Risk organization is seeking a Senior Manager to join its team to manage Digital Payment risks across Pakistan and Levant.
 
 
 
 
 As the face of Risk, the senior manager&rsquo;s external obligation is to ensure Visa&rsquo;s interactions with clients, partners, merchants, and other third parties on risk related matters are well informed, effective, and collectively moving the Visa ecosystem towards a stronger state. Internally, the RM Manager&rsquo;s obligation is to leverage our market knowledge and presence to ensure Visa&rsquo;s risk related policies, programs and frameworks are aligned with current and future business demands.
 
 
 
 
 Reporting directly to the Senior Director, Risk, North Africa, Levant &amp; Pakistan (NALP), this individual contributor role requires frequent collaboration with internal stakeholders across PKL, NALP and CEMEA regions.
 
 
 
 <ul>
 <li>
 Market Knowledge - Ensure deep awareness of the market(s) pulse, payment system and other risks to clients operating in each market, and the past and present tactics being deployed to mitigate these risks.
 </li>
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 Business Alignment - Align Visa&rsquo;s risk-related objectives and activities with Visa&rsquo;s business goals in the same area in order to maximize long term growth.
 </li>
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 Relationship Management - Engage key stakeholders (clients, partners, law enforcement, government and others) to secure support for Visa's goals and address identified risks.
 </li>
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 Thought Leadership - Differentiate Visa through out of box thinking and demonstrating thought leadership to payment system stakeholders on risk issues, pulling from local, regional, and global sources.
 </li>
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 Communication - Ensure strong communication and provide marketplace feedback around Visa&rsquo;s risk related programs and policies, and other activities
 </li>
 </ul>
 
 Key Responsibilities
 
 
 
 <ul>
 <li>
 
 Develop and execute client engagement plans and materials to help clients optimize fraud performance, mitigate fraud and data compromise events, promote stronger authentication and data security, and help enforce Visa&rsquo;s external risk programs and policies.
 
 
 
 </li>
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 Align Visa&rsquo;s risk related objectives and activities with Visa&rsquo;s business goals in the same area to maximize long-term growth.
 
 
 
 </li>
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 Promote Visa Risk Products, Capabilities and Solutions within the assigned client&rsquo;s portfolio to differentiate Visa in the Payments Ecosystem
 
 
 
 </li>
 <li>
 
 Drive customized risk engagements and provide focus to key clients, fintechs, merchants, and emerging payment stakeholders.
 
 
 
 </li>
 <li>
 
 Deliver client engagement plans and materials to help clients optimize fraud performance, determine the type and frequency of engagements.
 
 
 
 </li>
 <li>
 
 Provide Risk analytics support for the markets supported for existing clients &amp; other stakeholder engagements.
 
 
 
 </li>
 <li>
 
 As a risk expert, the role will collaborate with Central Europe, Middle East and Africa (CEMEA) Risk team members, client account executives, Merchant Sales and Acceptance (MS&amp;A), Visa Rules, Visa Consulting and Analytics (VCA), Data scientists, Product leaders and Visa Ethics &amp; Compliance to deliver innovative risk strategies, fraud reduction opportunities and payment system intelligence.
 
 
 
 </li>
 <li>
 
 Lead ad-hoc projects in support of overall risk and corporate initiatives.
 
 
 
 </li>
 <li>
 
 Participate in market forums (e.g. clients, law enforcement, regulators, industry participants), and drive consumer awareness campaigns of payment system stakeholders to drive greater awareness and support for Visa&rsquo;s payment system risk strategy.
 
 
 
 </li>
 <li>
 
 Be the point of reference in all risk related engagement with regulatory and industry bodies.
 
 
 
 </li>
 </ul>
 
 This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.
 
 
 
 
 
 
 Qualifications
 
 
 
 
 Basic Qualifications
 
 
 
 <ul>
 <li>
 Experience in managing fraud risk, transaction monitoring operations and suspicious transaction review.
 </li>
 <li>
 Experience with the credit risk landscape across the credit lifecycle.
 </li>
 <li>
 Good understanding of and experience with acquiring risk with hands on application experience improving the acquiring risk posture of an entity.
 </li>
 <li>
 Good understanding of illegitimate transaction flow typologies, root causes, and key signs.
 </li>
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 Managed third party risk assessment, responsibility for evaluating risk controls, and reviewer of risk control reporting in the organization.
 </li>
 <li>
 Self-starter with excellent communication skills, both oral and written.
 </li>
 <li>
 Ability to drive results with multiple stakeholders and cultivate strong and trusted relationships with internal stakeholders, clients, partners, and regulators.
 </li>
 </ul>
 
 Preferred Qualifications
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree (post-graduate qualifications preferred) with 7+ years of progressive experience working in the payment services or financial industry.
 </li>
 <li>
 Strong understanding of Digital Payment risks and current and emerging payment system risk trends across Middle East &amp; Africa.
 </li>
 <li>
 Experience in managing fraud risk, transaction monitoring operations and credit operations.
 </li>
 <li>
 Ability to influence at mid to senior levels both internally and externally.
 </li>
 <li>
 Excellent written, oral and presentation skills and an ability to synthesize complex and technical information into clear recommendations on course of action.
 </li>
 <li>
 Detail orientation and strong analytical skills, willingness to think outside the box to offer new ways to approach old problems.
 </li>
 <li>
 Ability to identify and pursue multiple initiatives simultaneously and deliver superior results.
 </li>
 <li>
 Experience determining when to escalate to management and identify the right stakeholders for decision making.
 </li>
 <li>
 Excellent collaboration and communications skills with experience in influencing, communicating and driving change through cross functional groups, including the ability to build consensus across disparate views.
 </li>
 <li>
 Positive, proactive, solution-oriented problem solver who gets things done within a matrix organization.
 </li>
 <li>
 Experience in preparing, reviewing, and delivering (concise) management level communications.
 </li>
 <li>
 Strong data analysis and problem-solving skills with demonstrated intellectual &amp; analytical ability to summarize raw data to tell a simple story supported by data to management and partners.
 </li>
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 Self driven professional with a vision and passion to continuously raise the benchmark for self and the broader team.
 </li>
 <li>
 Strong attention to detail and achieving results, with an emphasis on being naturally curious and committed.
 
 
 </li>
 </ul>
 
 Additional Information
 
 
 
 
 Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.
 
 
 
</div>

Senior Manager -  Risk Management Pakistan & Levant

Siccotel

Job Title: Chief Financial Officer (CFO)Location: KarachiIndustry: Mobile DistributionReports To: CEOJob Summary:We are seeking a strategic and experienced Chief Financial Officer (CFO) to lead the financial planning, risk management, and compliance of our mobile distribution business. The ideal candidate will bring strong financial acumen, business strategy insight, and proven leadership to help drive growth and profitability.Key Responsibilities:Lead all financial operations including accounting, budgeting, forecasting, and reporting.Develop and execute financial strategies that support business goals.Analyze and manage financial risks including credit control and cash flow.Manage relationships with banks, auditors, tax advisors, and regulatory bodies.Optimize working capital, inventory management, and pricing strategies.Prepare monthly, quarterly, and annual financial reports for executive leadership.Oversee internal controls, tax planning, and regulatory compliance.Implement ERP and automation tools to streamline financial operations.Requirements:Proven experience (8+ years) in a senior finance role, preferably in *FMCG* or *mobile distribution* .MBA/ACCA/CA or equivalent financial qualification.Strong command of financial systems, business modeling, and performance analysis.Benefits:Health InsuranceAnnual BonusPaid Leaves as per Company PolicyDaily MealApply :hr@siccotel.comJob Type: Full-timeWork Location: In person

Chief Financial Officer (CFO)

HugoBank

<div>Card Operations Specialist is responsible for leading all aspects of day-to-day debit and credit card operations, including issuance, transaction processing, fraud detection, and compliance. The role is responsible for ensuring the efficiency, accuracy, and compliance while contributing to improvements in service delivery and digital payments infrastructure. 
Essential Duties and Responsibilities 
<ul><li><ul>
<li>
Manage end-to-end debit and credit card issuance, ensuring timely delivery, operational efficiency, and seamless transaction processing.</li>
<li>Track and report key performance indicators (KPIs), providing insights to senior management for operational improvements.</li>
<li>Monitor card activity and manage card capturing, blocking/unblocking, and replacements.</li>
<li>Collaborate with product teams to design and customize credit card offerings.</li>
<li>Identify opportunities for operational improvement through digital payment solutions and technological advancements.</li>
<li>Oversee and execute reconciliation, settlement, and other operational support activities during the pilot phase, including account opening, onboarding, KYC, and related operations.</li>
<li>Oversee the resolution of disputes for Visa scheme and 1LINK cards, ensuring compliance with network guidelines and timely resolution of customer issues.</li>
<li>Monitor and resolve disputes, chargebacks, and exception cases, ensuring customer satisfaction and compliance with regulations.</li>
<li>Ensure adherence to payment network regulations (e.g., Visa, MasterCard) and industry standards (e.g., PCI DSS).</li>
<li>Implement effective fraud detection and prevention mechanisms in collaboration with security teams.</li>
<li>Deliver seamless, customer-centric card services and resolve card-related issues promptly to enhance satisfaction.</li>
<li>Collaborate with internal and external stakeholders to align card operations with the bank&rsquo;s strategic objectives.</li>
<li>Handle procurement processes for card-related hardware (e.g., cabinets, printers) and consumables, including raising purchase orders and ensuring timely payment processing.</li>
<li>Manage key third-party vendors and partners ensuring adherence to SLAs and standards.</li>
</ul></li></ul>
Requirements<ul>
<li>
5-10 years experience managing debit and credit card operations in banking or financial services industry.</li>
<li>Strong understanding of banking payments, settlement, card services, payment networks, and regulatory requirements.</li>
<li>Bachelor&rsquo;s or Master&rsquo;s degree in Finance, Business Administration, or a related field.</li></ul></div>

Card Operations Specialist

Explore 1582+ Credit analyst credit risk management in Karachi this December. Find roles across top companies and apply now to boost your career.

1582 credit analyst credit risk management jobs IN Karachi

Credit Analyst / Credit Risk Management

Credit Analyst / Credit Risk Management

Senior Credit Analyst - Financial Institution

Account Receivables Executive

Senior Manager - Risk Management Pakistan & Levant

Chief Financial Officer (CFO)

Card Operations Specialist