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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>


<div>
 <strong>
  Hiring Financial Analyst - Onsite Karachi.
  <br/>
  <br/>
 </strong>
 <strong>
  About The Client
  <br/>
  <br/>
 </strong>
 ﻿One of the top growing Fintech company in Pakistan.
 <br/>
 <br/>
 About the Role: Financial Analyst
 <br/>
 <br/>
 <strong>
  ﻿Job Description
  <br/>
  <br/>
 </strong>
 <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. Develop projections for loan disbursements, repayments, and asset-liability management, incorporating factors like interest rates, credit risk, and market trends. Calculate and analyze financing yields, including effective interest rates, yield curves, and return on assets/equity to optimize lending strategies. Collaborate with cross-functional teams (e.g., risk, data, engineering, accounting operations, and compliance) to ensure models align with NBFC regulations and reporting requirements. Prepare reports and presentations on financial performance, including variance analysis and recommendations for improvements. Monitor economic indicators and industry trends to refine models and projections. Ensure data accuracy and integrity in all financial tools and outputs. Consolidate financials across holdco and operating companies, consolidate group level financials, and work on holding co audits.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Other Details
  <br/>
  <br/>
 </strong>
 ﻿Qualification: BBA in Finance/Accounting
 <br/>
 <br/>
 ﻿Working timings: Mon - Friday (11am - 7pm) Hybrid
 <br/>
 <br/>
 ﻿Location: Karachi
 <br/>
 <br/>
 ﻿Salary: Market Competitive
 <br/>
 <br/>
 <strong>
  About HR Ways
  <br/>
  <br/>
 </strong>
 ﻿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.
</div>


Financial Analyst

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

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

HugoBank

<p></p><div><p>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.</p><p><b><br>
Essential Duties and Responsibilities</b></p><p><b><br>
Product Strategy &amp; Proposition Development</b></p><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><p></p><p><b>
Product Design, Development &amp; Implementation</b></p><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><p></p><p><b>
Portfolio Management &amp; Performance Optimization</b></p><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><p></p><p><b>
Governance, Risk &amp; Compliance</b></p><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><p></p><p><b>
Cross-Functional Collaboration &amp; Stakeholder Management</b></p><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><p></p><p><b>
Secondary Responsibilities</b></p><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><p><b>
Requirements</b></p><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><p></p>

Products Lead - 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.
 <br/>
 <br/>
 <strong>
  Essential Duties And Responsibilities
  <br/>
  <br/>
 </strong>
 <strong>
  Product Strategy &amp; Proposition Development
  <br/>
  <br/>
 </strong>
 <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
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Product Design, Development &amp; Implementation
  <br/>
  <br/>
 </strong>
 <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
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Portfolio Management &amp; Performance Optimization
  <br/>
  <br/>
 </strong>
 <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
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Governance, Risk &amp; Compliance
  <br/>
  <br/>
 </strong>
 <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
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Cross-Functional Collaboration &amp; Stakeholder Management
  <br/>
  <br/>
 </strong>
 <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
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Secondary Responsibilities
  <br/>
  <br/>
 </strong>
 <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
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Requirements
  <br/>
  <br/>
 </strong>
 <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>


Explore 133+ Credit analyst in Karachi Pakistan this January. Find roles across top companies and apply now to boost your career.

133 credit analyst jobs IN Karachi Pakistan

Credit Analyst / Credit Risk Management

Credit Analyst / Credit Risk Management

Financial Analyst

Financial Analyst | Afternoon Shift | Onsite Karachi | PKR Pay

A/R Analyst

Products Lead - Cards

Products Lead - Cards