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credit analyst / credit risk management Jobs in Karachi

credit analyst / credit risk management

credit analyst

Human Capital HR Solutions

<p><b>Key Responsibilities:</b></p><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><p><b>Requirements:</b></p><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><p><b>How to Apply:</b></p><ul><li>Interested candidates are encouraged to send their resumes to:</li><li>careers1.hc@gmail.com</li><li><b>CC: </b>careers@humancapitalintl.com</li></ul><p><b>Follow Our Social Accounts for the Latest Job Opportunities!</b></p><ul><li><b>Instagram:</b> https://www.instagram.com/humancapitalhrsolutions/</li><li><b>LinkedIn:</b> https://www.linkedin.com/company/human-capital-hr-solution/</li><li><b>Facebook:</b> https://www.facebook.com/humancapitalhrsolution/</li></ul><p>Job Type: Full-time</p><p>Work Location: In person</p>

Credit Analyst / Credit Risk Management

ACCA Careers

<div>
 :
 <br/>
 <br/>
 <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
   <br/>
   <br/>
  </li>
 </ul>
 :
 <br/>
 <br/>
 <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
   <br/>
   <br/>
  </li>
 </ul>
 :
 <br/>
 <br/>
 <strong>
  Interested Candidates Are Encouraged To Send Their Resumes To
  <br/>
  <br/>
 </strong>
 careers1.hc@gmail.com
 <br/>
 <br/>
 <strong>
  CC: careers@humancapitalintl.com
  <br/>
  <br/>
 </strong>
 <strong>
  Follow Our Social Accounts for the Latest Job Opportunities!
  <br/>
  <br/>
 </strong>
 <strong>
  Instagram:
 </strong>
 https://www.instagram.com/humancapitalhrsolutions/
 <strong>
  LinkedIn:
 </strong>
 https://www.linkedin.com/company/human-capital-hr-solution/
 <strong>
  Facebook:
 </strong>
 https://www.facebook.com/humancapitalhrsolution/
</div>


HR Ways

<p><b>Hiring Financial Analyst - Onsite Karachi.</b></p><p><b>About the client:</b><br/>﻿One of the top growing Fintech company in Pakistan.</p><p><b>About the Role: Financial Analyst</b><br/><b>﻿Job Description:</b></p><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><p><b>Other Details:</b><br/>﻿Qualification: BBA in Finance/Accounting<br/>﻿Working timings: Mon - Friday (11am - 7pm) Hybrid<br/>﻿Location: Karachi<br/>﻿Salary: Market Competitive</p><p><b>About HR Ways: </b></p><p>﻿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.</p><p>Job Type: Full-time</p><p>Work Location: In person</p>

Financial Analyst | Afternoon Shift | Onsite Karachi | PKR Pay

M/s. Nelson Paints Industries Pvt Ltd

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

CREDIT CONTROLLER (Manufacturing Sector)

Contour Software

<div><div>About Contour</div><div></div><div><div>
Contour Software</div> has grown from a dozen people to over 2,000 staff across 3 cities, in less than 14 years.</div><div><br>
As a subsidiary of Constellation Software Inc., we are proud to be part of a global enterprise software conglomerate that has grown to become one of the top 10 software companies in the world, with employees and customers in 100+ countries. With a broad-based and ever-growing portfolio of market-leading, vertical-market enterprise solutions covering more than 100 industry domains in predominantly mature markets, CSI's recipe creates the perfect environment for professionals to build fulfilling, long-term careers.</div><div><br>
What started as an R&amp;D &amp; Accounting back-office, has progressed into a full-service Global Centre serving all functions and departments, at the divisional as well as operating group/corporate level. Today Contour employees, located in Karachi, Lahore &amp; Islamabad, are serving CSI divisions located in time zones spanning the globe, from Sydney to Vancouver. With the global growth of Constellation as the wind in our sails, we are only just getting started!</div><div></div><div><div><div>
The Division:</div></div><div><div>
The Perseus operating group of Constellation Software Inc, is a portfolio of vertical market</div></div><div><div>
enterprise software companies. Perseus acquires independently managed software companies</div></div><div><div>
around the world, providing them with the strategic guidance and financial security they need to</div></div><div><div>
become leaders within their respective markets.</div></div><div></div><div><div><br>
The Position:</div></div><div><div>
We are looking for an AR Analyst to join our team. The individual will work closely with the AR</div></div><div><div>
Team. The successful candidate will promote an atmosphere of individual and team excellence.</div></div><div><div>
Monitors all aspects of the client's accounts receivable.</div></div><div></div><div><ul><li><div><br>
Preparation and analysis of Cash receipt report on weekly basis.</div></li></ul></div><div><ul><li><div>
Preparation of excess cash report on monthly basis for next three months.</div></li></ul></div><div><ul><li><div>
Preparation and distribution of Cash collection forecasting for upcoming year.</div></li></ul></div><div><ul><li><div>
Setup and lead monthly AR call with business units and discuss large outstanding balances and any substantial risk to revenue.</div></li></ul></div><div><ul><li><div>
Third party collection agency management (Assign customer to agency, bridging communication between agency and business units, and distribution of statements on monthly basis).</div></li></ul></div><div><ul><li><div>
Month end closure activities (AR and WIP reporting, bucketing into Jedox, review AR submission, match AR and WIP number with GL, review AFDA and WIP provisioning as per CSI policy).</div></li></ul></div><div><ul><li><div>
Prepare AR and WIP disclosure file on quarterly basis and tie with BPC.</div></li></ul></div><div><ul><li><div>
Submit AR, AFDA and deferred revenue on specified format to internal audit on quarterly basis.</div></li></ul></div><div><ul><li><div>
Assist in preparation of working capital file to forecast free cash flow.</div></li></ul></div></div><div><div><ul><li><div>
Escalation of Demand letter if necessary.</div></li></ul></div><div><ul><li><div>
Process customer refund.</div></li></ul></div><div></div><div><div><br>
Professional Acumen:</div></div><div><ul><li><div>
The candidate should have strong organizational and communication skills, allowing him or her to manage multiple priorities while maintaining exceptional attention to detail.</div></li></ul></div><div><ul><li><div>
Take ownership over the assigned area.</div></li></ul></div><div><ul><li><div>
The candidate should have strong attention to detail and possess intermediate Excel skills with analytical skills.</div></li></ul></div><div><ul><li><div>
Be proactive and eager to contribute, learn and provide solutions. Maintaining a continuous improvement mindset and proactively identifying, reviewing, and implementing process improvements.</div></li></ul></div><div></div><div><div><br>
Education and Technical Skills</div></div><div><ul><li><div>
MBA degree in accounting or finance.</div></li></ul></div><div><ul><li><div>
3-5 years of relevant experience.</div></li></ul></div><div><ul><li><div>
Must have excellent verbal and written communication skills.</div></li></ul></div><div><ul><li><div>
Ability to work both independently and as an excellent team player. Must be able to cooperate and work effectively with all levels of expertise within the organization.</div></li></ul></div><div><ul><li><div>
Ability to analyze issues logically and efficiently and address multiple priorities in a professional manner.</div></li></ul></div></div><div></div><div><br>
Exciting Benefits we offer:</div><ul><li><div>
Market-leading Salary</div></li><li><div>
Medical Coverage &ndash; Self &amp; Dependents</div></li><li><div>
Parents Medical Coverage</div></li><li><div>
Provident Fund</div></li><li><div>
Employee Performance-based bonuses</div></li><li><div>
Home Internet Subsidy</div></li><li><div>
Conveyance Allowance</div></li><li><div>
Profit Sharing Plan [Tenured Employees Only]</div></li><li><div>
Life Benefit</div></li><li><div>
Child Care Facility</div></li><li><div>
Company Provided Lunch/Dinner</div></li><li><div>
Professional Development Budget</div></li><li><div>
Recreational area for in-house games</div></li><li><div>
Sporadic On-shore training opportunities</div></li><li><div>
Friendly work environment</div></li><li><div>
Leave Encashment</div></li></ul><div></div><div><i>
Disclaimer:</i><i> At Contour, we attribute our success to the unique contributions of our diverse staff. We&rsquo;re committed to fostering a culture of respect that thrives on the varied perspectives and experiences of all individuals we recruit, employ, promote, and compensate. Since day one, we&rsquo;ve adhered to a policy that champions a work environment honoring the worth and dignity of each person while being free from all forms of employment discrimination.</i></div><div></div><div><i>
In our continuous effort to promote inclusivity, we extend our commitment to individuals with special needs by providing reasonable accommodations. We actively encourage qualified individuals with special needs to apply for the various openings within our company. Should you require assistance in completing the application process or have any inquiries regarding special facilities, please do not hesitate to contact our HR team. Your unique talents and abilities are welcomed and valued here.</i></div></div><div></div>

A/R Analyst

AdalFi

<div>
 <strong>
  About AdalFi:
  <br/>
  <br/>
 </strong>
 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.
 <br/>
 <br/>
 <strong>
  Role Overview:
  <br/>
  <br/>
 </strong>
 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.
 <br/>
 <br/>
 <strong>
  Key Responsibilities:
  <br/>
  <br/>
 </strong>
 <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.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Skills:
  <br/>
  <br/>
 </strong>
 <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.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Requirements:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Minimum bachelor's degree in CS, IT or Engineering
  </li>
  <li>
   3-6 years of experience in IT Industry
   <br/>
   <br/>
  </li>
 </ul>
</div>


Technical Business Analyst

Union Fabrics (Pvt.) Limited

<p><b>Union Fabrics (Pvt.) Ltd.</b> is a fast growing vertically integrated Textile Manufacturing Company with state-of-the-art facilities---Weaving, Processing &amp; Stitching. Expansion and growth plans have opened up new opportunity for the following position:</p><p><b>SAP Functional Analyst </b></p><p><b>Job Description:</b></p><p>The responsibilities includes following but are not limited to these:</p><p><b>Master Data Management (MDM):</b></p><ul><li>Ensure accurate creation, maintenance, and governance of master data objects (material master, vendor master, customer master, BOMs, routings, cost centers).</li><li>Develop and enforce MDM policies and procedures to ensure data integrity across the enterprise.</li><li>Conduct periodic data audits and cleansing activities.</li><li>Collaborate with business units to streamline master data workflows and reduce duplication/inconsistencies.</li></ul><p><b>SAP Production Planning (PP):</b></p><ul><li>Configure and support end-to-end PP processes including production orders, routings, BOMs, MRP, capacity planning, shop floor control, and back flushing.</li><li>Align SAP PP functionality with textile production processes such as weaving, dyeing, finishing, cutting, and stitching.</li><li>Assist in planning strategies, demand management, and integration with MM and CO.</li></ul><p><b>SAP Materials Management (MM):</b></p><ul><li>Manage procurement lifecycle including PR, PO, GR, IR, stock transfers, and material movements.</li><li>Optimize textile-specific inventory control and warehouse management.</li><li>Coordinate with procurement and warehouse teams to support vendor evaluation and procurement KPIs.</li><li>Configure automatic account determination and integration with FI.</li></ul><p><b>SAP Sales &amp; Distribution (SD):</b></p><ul><li>Support and configure SD processes including sales order processing, pricing, deliveries, invoicing, and returns.</li><li>Manage customer master data and credit management settings.</li><li>Ensure smooth integration of sales data with finance and logistics.</li><li>Monitor and resolve issues related to output control and delivery scheduling.</li></ul><p><b>Cross-Functional Responsibilities:</b></p><ul><li>Act as a bridge between business users and technical teams to gather requirements, provide solutions, and implement enhancements.</li><li>Conduct user training, create functional specifications, test new features, and support UAT (User Acceptance Testing).</li><li>Monitor and resolve SAP tickets related to functional areas.</li><li>Ensure seamless integration with other modules like FI/CO, QM, and HCM as required.</li></ul><p><b>Experience:</b></p><ul><li>Minimum <b>5&ndash;8 years</b> of hands-on experience with <b>SAP S/4HANA</b> in MDM, PP, MM, and SD.</li><li>Experience in SAP project lifecycles &ndash; blueprinting, realization, testing, go-live, and support.</li><li>Proven track record of supporting SAP in <b>textile manufacturing</b> (weaving, processing, garmenting, etc.).</li><li>SAP certification in PP/MM/SD modules is an advantage.</li></ul><p><b>Qualifications:</b></p><ul><li>Bachelor&rsquo;s or Master&rsquo;s degree in Information Technology, Computer Science, Engineering, or a related field.</li><li>Strong understanding of business processes in procurement, production, inventory, and sales.</li><li>Knowledge of integration with FI/CO and ABAP debugging is a plus.</li></ul><p><b>Location: </b>SITE Area, Karachi, Pakistan</p><p>Job Type: Full-time</p><p>Experience:</p><ul><li>SAP S/4HANA in MDM, PP, MM, and S: 5 years (Required)</li></ul><p>Work Location: In person</p>

SAP Functional Analyst

Explore 148+ Credit analyst in Karachi this December. Find roles across top companies and apply now to boost your career.

148 credit analyst jobs IN Karachi

Credit Analyst / Credit Risk Management

Credit Analyst / Credit Risk Management

Financial Analyst | Afternoon Shift | Onsite Karachi | PKR Pay

CREDIT CONTROLLER (Manufacturing Sector)

A/R Analyst

Technical Business Analyst

SAP Functional Analyst