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credit analyst credit risk management

ACCA Careers

<div>
 :
 
 
 <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>
 :
 
 
 <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>
 :
 
 
 
 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

HugoBank

<div>The Product Lead Credit Cards will be responsible for developing, managing, and scaling HugoBank&rsquo;s Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank&rsquo;s credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank&rsquo;s broader mission. 
Essential Duties and Responsibilities 
Product Strategy &amp; Proposition Development<ul>
<li>
Define and execute the end-to-end product strategy for HugoBank&rsquo;s Credit Card portfolio including secured and unsecured variants aligned with the bank&rsquo;s financial inclusion and lending-first vision.</li>
<li>Develop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users.</li>
<li>Conduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan.</li>
<li>Create and maintain the Credit Card Product Roadmap, ensuring alignment with the bank&rsquo;s overall product evolution and regulatory milestones.</li>
<li>Collaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential.</li>
</ul>
Product Design, Development &amp; Implementation<ul>
<li>
Translate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines.</li>
<li>Develop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.</li>
<li>Coordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management.</li>
<li>Support testing, UAT, and post-launch monitoring to ensure seamless product rollout.</li>
<li>Regularly review customer journeys and feedback to identify friction points and propose design enhancements.</li>
<li>Contribute to the long-term evolution of the bank&rsquo;s credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements.</li>
<li>Support the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.</li>
<li>Assist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank&rsquo;s strategic ecosystem.</li>
<li>Stay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives.</li>
</ul>
Portfolio Management &amp; Performance Optimization<ul>
<li>
Monitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability.</li>
<li>Drive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data.</li>
<li>Develop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history.</li>
<li>Maintain the product P&amp;L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers.</li>
<li>Build and execute campaigns and offers that drive product stickiness and long-term engagement.</li>
<li>Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience.</li>
</ul>
Governance, Risk &amp; Compliance<ul>
<li>
Ensure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies.</li>
<li>Work with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals.</li>
<li>Coordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks.</li>
<li>Conduct periodic risk reviews to identify control gaps and implement corrective actions.</li>
</ul>
Cross-Functional Collaboration &amp; Stakeholder Management<ul>
<li>
Act as the primary product liaison across internal functions &mdash; Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience.</li>
<li>Engage with external partners to ensure seamless delivery and innovation.</li>
<li>Partner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies.</li>
</ul>
Secondary Responsibilities<ul>
<li>
Participate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective.</li>
<li>Liaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes.</li>
<li>Coordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts.</li>
<li>Contribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards.</li>
<li>Ensure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release.</li>
</ul>
Requirements<ul>
<li>
Bachelor&rsquo;s degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory</li>
<li>6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments.</li>
<li>Proven track record of developing and managing credit card products including secured, unsecured, and co-branded variants.</li>
<li>Demonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization.</li>
<li>Exposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments.</li>
<li>Hands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent).</li>
<li>Experience working in banks, fintechs, or card-issuing institutions will be preferred.</li></ul></div>

Products Owner - Cards

<div>
 The Product Lead Credit Cards will be responsible for developing, managing, and scaling HugoBank's Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank's credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank's broader mission.
 
 
 
 Essential Duties And Responsibilities
 
 
 
 
 Product Strategy &amp; Proposition Development
 
 
 
 <ul>
 <li>
 Define and execute the end-to-end product strategy for HugoBank's Credit Card portfolio including secured and unsecured variants aligned with the bank's financial inclusion and lending-first vision
 </li>
 <li>
 Develop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users
 </li>
 <li>
 Conduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan
 </li>
 <li>
 Create and maintain the Credit Card Product Roadmap, ensuring alignment with the bank's overall product evolution and regulatory milestones
 </li>
 <li>
 Collaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential
 
 
 </li>
 </ul>
 
 Product Design, Development &amp; Implementation
 
 
 
 <ul>
 <li>
 Translate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines
 </li>
 <li>
 Develop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation
 </li>
 <li>
 Coordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management
 </li>
 <li>
 Support testing, UAT, and post-launch monitoring to ensure seamless product rollout
 </li>
 <li>
 Regularly review customer journeys and feedback to identify friction points and propose design enhancements
 </li>
 <li>
 Contribute to the long-term evolution of the bank's credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements
 </li>
 <li>
 Support the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation
 </li>
 <li>
 Assist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank's strategic ecosystem
 </li>
 <li>
 Stay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives
 
 
 </li>
 </ul>
 
 Portfolio Management &amp; Performance Optimization
 
 
 
 <ul>
 <li>
 Monitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability
 </li>
 <li>
 Drive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data
 </li>
 <li>
 Develop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history
 </li>
 <li>
 Maintain the product P&amp;L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers
 </li>
 <li>
 Build and execute campaigns and offers that drive product stickiness and long-term engagement
 </li>
 <li>
 Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience
 
 
 </li>
 </ul>
 
 Governance, Risk &amp; Compliance
 
 
 
 <ul>
 <li>
 Ensure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies
 </li>
 <li>
 Work with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals
 </li>
 <li>
 Coordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks
 </li>
 <li>
 Conduct periodic risk reviews to identify control gaps and implement corrective actions
 
 
 </li>
 </ul>
 
 Cross-Functional Collaboration &amp; Stakeholder Management
 
 
 
 <ul>
 <li>
 Act as the primary product liaison across internal functions &mdash; Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience
 </li>
 <li>
 Engage with external partners to ensure seamless delivery and innovation
 </li>
 <li>
 Partner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies
 
 
 </li>
 </ul>
 
 Secondary Responsibilities
 
 
 
 <ul>
 <li>
 Participate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective
 </li>
 <li>
 Liaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes
 </li>
 <li>
 Coordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts
 </li>
 <li>
 Contribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards
 </li>
 <li>
 Ensure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Bachelor's degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory
 </li>
 <li>
 6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments
 </li>
 <li>
 Proven track record of developing and managing credit card products including secured, unsecured, and co-branded variants
 </li>
 <li>
 Demonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization
 </li>
 <li>
 Exposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments
 </li>
 <li>
 Hands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent)
 </li>
 <li>
 Experience working in banks, fintechs, or card-issuing institutions will be preferred
 </li>
 </ul>
</div>

M/s. Nelson Paints Industries Pvt Ltd

Qualification &amp; Experience:&middot; Part-qualified ICMAP / ACCA / CA (Inter / Finalist) or equivalent professional qualification.&middot; Minimum 3&ndash;5 years of relevant experience in credit control, receivable management, or accounting within a manufacturing or trading/distribution environment.Key Responsibilities:1. Receivables Management&middot; Monitor accounts receivable aging and ensure timely recovery from customers.&middot; Conduct regular follow-ups with customers and the sales team for overdue balances.&middot; Maintain a comprehensive record of collections, commitments, and outstanding receivables.&middot; Prepare and share weekly receivable and collection status reports with management.&middot; Enforce and monitor credit limits and payment terms in line with company policy.&middot; Identify and report delinquent accounts and propose actions to mitigate credit risk.&middot; Ensure all credit approvals, adjustments, and sales hold releases comply with the company&rsquo;s authorization matrix.&middot; Assist in reviewing and improving credit control policies and collection procedures.&middot; Perform customer account reconciliations, ensuring accuracy of balances.&middot; Resolve disputes, debit/credit note issues, or unmatched transactions promptly.&middot; Support month-end and year-end closing activities by ensuring accurate AR data.&middot; Provide periodic collection forecasts, aging analyses, and customer risk summaries.&middot; Work closely with Sales, Dispatch, and Finance teams to ensure alignment between invoicing, delivery, and collection.&middot; Communicate effectively with customers regarding account statements and payment discrepancies.&middot; Support audit requirements by providing reconciliations and supporting documentation.Job Type: Full-timePay: Rs100,000.00 - Rs200,000.00 per monthWork Location: In person

CREDIT CONTROLLER (Manufacturing Sector)

HR Ways

Hiring Financial Analyst - Onsite Karachi.About the client: ﻿One of the top growing Fintech company in Pakistan.About the Role: Financial Analyst ﻿Job Description:<ul><li>Build and update financial models to forecast revenue, expenses, cash flows, and profitability for various financing products and audiences (investors, debt-raising, management, audits)</li><li>Create detailed spreadsheets for scenario analysis, sensitivity testing, and stress testing of financial portfolios.</li><li>Develop projections for loan disbursements, repayments, and asset-liability management, incorporating factors like interest rates, credit risk, and market trends.</li><li>Calculate and analyze financing yields, including effective interest rates, yield curves, and return on assets/equity to optimize lending strategies.</li><li>Collaborate with cross-functional teams (e.g., risk, data, engineering, accounting operations, and compliance) to ensure models align with NBFC regulations and reporting requirements.</li><li>Prepare reports and presentations on financial performance, including variance analysis and recommendations for improvements.</li><li>Monitor economic indicators and industry trends to refine models and projections.</li><li>Ensure data accuracy and integrity in all financial tools and outputs.</li><li>Consolidate financials across holdco and operating companies, consolidate group level financials, and work on holding co audits</li></ul>Other Details: ﻿Qualification: BBA in Finance/Accounting ﻿Working timings: Mon - Friday (11am - 7pm) Hybrid ﻿Location: Karachi ﻿Salary: Market CompetitiveAbout HR Ways: ﻿HR Ways is an Award winning Technical Recruitment Firm helping software houses and IT Product companies internationally and locally to find IT Talent. HR Ways is engaged by 300+ Employers worldwide ranging from worlds biggest SaaS Companies to most competitive Startups. We have entities in Dubai, Canada, US, UK, Pakistan, India, Saudi Arabia, Portugal, Brazil and other parts of the world. Join our WhatsApp Channel ﻿https://whatsapp.com/channel/0029VamSiLr5fM5fMtAdCS2M﻿to stay updated or visit www.hrways.co to know more.Job Type: Full-timeWork Location: In person

Financial Analyst | Afternoon Shift | Onsite Karachi | PKR Pay

AdalFi

<div>
 
 About AdalFi:
 
 
 
 AdalFi is a leading fintech company revolutionizing digital lending in Pakistan. We build intelligent credit infrastructure for banks, enabling them to make real-time, automated lending decisions using advanced data science, machine learning, and AI technologies.
 
 
 
 Role Overview:
 
 
 
 Business Analyst will be responsible for analysing product data, market trends, and user feedback to help improve and develop tech products. The Product Business Analyst will collaborate with product managers, engineers, and business teams to ensure the product aligns with customer needs and business objectives.
 
 
 
 Key Responsibilities:
 
 
 
 <ul>
 <li>
 Product Analysis: The analyst will work with the Product team to analyse product performance, market trends, and customer feedback to align product strategy and development.
 </li>
 <li>
 Collaboration: The analyst will work closely with product managers, engineers, and design teams to define features, prioritized tasks, and ensure successful product delivery.
 </li>
 <li>
 Documentation of User Stories: The analyst will document the detailed user stories, ensuring that all requirements and criteria are well-defined and understood by the development team.
 </li>
 <li>
 User Research: They will conduct research (e.g., surveys, testing) to understand user needs and improve product usability.
 </li>
 <li>
 Product Lifecycle Support: The analyst will assist in managing the product through all stages, from ideation to launch and post-launch improvements.
 </li>
 <li>
 Technical Insights: They will stay updated on tech trends and provide technical insights to support product decisions.
 
 
 </li>
 </ul>
 
 Skills:
 
 
 
 <ul>
 <li>
 Strong analytical skills and the ability to interpret complex data sets.
 </li>
 <li>
 Excellent problem-solving abilities and attention to detail.
 </li>
 <li>
 Strong communication skills, with the ability to present findings and insights to both technical and non-technical stakeholders.
 </li>
 <li>
 Technical proficiency with tools like SQL, Excel, and data visualization tools is a plus.
 </li>
 <li>
 Familiarity with product design and user experience best practices is an advantage.
 
 
 </li>
 </ul>
 
 Requirements:
 
 
 
 <ul>
 <li>
 Minimum bachelor's degree in CS, IT or Engineering
 </li>
 <li>
 3-6 years of experience in IT Industry
 
 
 </li>
 </ul>
</div>

Technical Business Analyst

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