business analyst

associate consultant - fraud & risk assessment Jobs in Islamabad

associate consultant - fraud & risk assessment

principal consultant - fraud & risk assessment Jobs in Islamabad

principal consultant - fraud & risk assessment

senior consultant - fraud & risk assessment Jobs in Islamabad

senior consultant - fraud & risk assessment

sr. financial planning analyst Jobs in Islamabad

sr. financial planning analyst

credit risk analyst offshore

Hcm International

Job DescriptionJob Title: Credit &amp; Risk Analyst Location: Islamabad Department: Finance &amp; Risk Reports To: Manager &ndash; Credit &amp; RiskPosition PurposeThe Credit &amp; Risk Analyst will be responsible for assessing the creditworthiness of individuals, companies, and organizations, ensuring accurate evaluation of financial risk and effective management of the company&rsquo;s credit exposure. The role will support the development and implementation of credit policies and risk strategies, proactively monitor customer credit performance, and facilitate collaboration with sales, finance, and external stakeholders. This position directly contributes to maintaining healthy cash flows, minimizing bad debts, and safeguarding organizational profitability and financial stability.Key ResponsibilitiesCredit Evaluation &amp; Risk Assessment<ul><li>Analyze financial statements (income statement, balance sheet, cash flow, ratios) to assess buyers&rsquo; ability to meet obligations.</li><li>Evaluate industry trends, market conditions, and business risks to make informed credit decisions.</li><li>Recommend approval, denial, or modification of credit applications, including credit limits, payment terms, and collateral requirements.</li><li>Conduct thorough background checks, reviewing credit reports, payment history, and verifying customer documentation.</li></ul>Monitoring &amp; Portfolio Management<ul><li>Continuously monitor credit performance of existing customers and identify early warning signs of deterioration.</li><li>Conduct periodic portfolio reviews and recommend corrective actions (limit reductions, withdrawals, claims, legal proceedings).</li><li>Maintain detailed credit reports, records, and documentation of decisions.</li><li>Handle end-to-end credit insurance portfolio: credit limit (CL) applications, cancellations, withdrawals, claims, and turnover declarations.</li></ul>Stakeholder Collaboration<ul><li>Liaise with Sales, Commercial, and Business Development teams to ensure alignment of credit decisions with business objectives.</li><li>Communicate findings, risks, and recommendations clearly to internal stakeholders.</li><li>Coordinate daily with trade credit insurers/underwriters on customer credit limit requests, withdrawals, and claims.</li><li>Support operations and BU finance teams in managing collections and minimizing overdue balances.</li></ul>Reporting &amp; Compliance<ul><li>Prepare credit reports and dashboards highlighting portfolio risk exposure and customer credit performance.</li><li>Ensure compliance with internal credit policies, insurance guidelines, and regulatory frameworks.</li><li>Contribute to credit policy development and process improvements to strengthen the organization&rsquo;s risk framework.</li><li>Uphold strict adherence to compliance standards, ensuring all records and actions are audit-ready.</li></ul>Teamwork &amp; Culture<ul><li>Create a collaborative work environment, supporting teamwork and knowledge sharing.</li><li>Act as a credit risk subject matter expert for junior finance staff and cross-functional partners.</li></ul>Education &amp; QualificationsRequired:<ul><li>Bachelor&rsquo;s degree in Commerce, Finance, Accounting, or related field.</li><li>3&ndash;6 years of experience in credit risk analysis, corporate finance, or financial services.</li><li>Strong analytical, financial modeling, and problem-solving skills.</li><li>Proficiency in MS Excel and financial analysis tools.</li><li>Strong communication and stakeholder management skills.</li></ul>Preferred:<ul><li>Professional certifications such as CMA, CPA, ACCA, or CFA.</li><li>Master&rsquo;s degree in Finance, Risk Management, or related field.</li><li>Working knowledge of ERP systems (D365, Oracle, Hyperion &ndash; Microsoft Dynamics preferred).</li><li>Experience handling trade credit insurance portfolios.</li></ul>Core Competencies &amp; Skills<ul><li>Credit Risk Management &amp; Financial Analysis</li><li>Decision-Making &amp; Problem-Solving</li><li>Stakeholder Communication &amp; Influence</li><li>Attention to Detail &amp; Accuracy</li><li>Risk Monitoring &amp; Compliance</li><li>ERP &amp; Reporting Systems (D365, Oracle, Hyperion)</li></ul>Key Performance Indicators (KPIs)<ul><li>Risk Assessment Accuracy: Quality and accuracy of credit assessments.</li><li>Credit Application Turnaround Time: Average time to complete credit evaluations.</li><li>Credit Limit Compliance: Adherence to approved credit limits and policies.</li><li>Compliance Adherence: Conformance with company credit policy and insurance guidelines.</li><li>Customer Satisfaction: Internal stakeholder and customer feedback on credit processes.</li></ul>Job Type: Full-timePay: Rs164,000.00 - Rs270,000.00 per monthWork Location: In person

Credit & Risk Analyst (Offshore)

UBL - United Bank Limited

<div>
 
 
 JOB SUMMARY / PURPOSE:
 
 
 
 Evaluate / assess and recommend / approve credit workflows (credit applications and various credit approvals) submitted by SME including Islamic in-line with framework of internal &amp; external regulatory framework.
 
 
 
 
 
 
 JOB RESPONSIBILITIES:
 
 
 <ul>
 <li>
 To approve SME &amp; Agri including Islamic relationships of Islamabad, Rawalpindi, Jehlum, Gujrat, Mirpur, MAG, Mardan, Peshawar &amp; GB Regions within the delegated approving authority in-line with Business targets, Prudential Regulations and Bank&rsquo;s Credit Policy to ensure a quality portfolio for maximum return with minimum / mitigated risks.
 </li>
 <li>
 To review and signoff SME including Islamic relations which are above the delegated approving authority.
 </li>
 <li>
 To approve / review proposals for settlement / rescheduling / restructuring / write-off initiated by SAM / RAMU and requests for deferrals / deviations / exceptions / extensions as per credit approval authority.
 </li>
 <li>
 To minimize turnaround time and also to minimize audit objections and CAD issues pertaining to policy and regulatory deviations. Engaging business segments for a collaborative approach to ensure an efficient approval process and quality asset portfolio.
 </li>
 <li>
 To improve the quality of portfolio by forming views on sectors, providing input to determination of concentration of limits and determining appropriate exposure level on individual obligors.
 </li>
 <li>
 Proactive monitoring of portfolio and implementation of required corrective measures. Attend / conduct relevant meetings / PMCs with stakeholders.
 </li>
 <li>
 Assist / Support / Participate in team projects and initiatives, and also contribute value added input in the overall credit risk management portfolio.
 </li>
 <li>
 Regular visits of existing and potential clients.
 </li>
 <li>
 Improvement in performance of Credit Analysts and / or Senior Risk Analysts.
 </li>
 <li>
 To provide on-going training and guidance to credit staff (Business / CAD).
 </li>
 </ul>
 
 
 
 
 
 QUALIFICATIONS / EXPERIENCE AND SKILLS:
 
 
 <ul>
 <li>
 Master degree in Business/Economics/Commerce/CA/ACCA/ACMA/CIMA.
 </li>
 <li>
 Certification on Credit Risk assessment is preferable
 </li>
 <li>
 Minimum 10 years relevant experience including Credit Risk Management for at least five years.
 </li>
 <li>
 Good analytical skills and ability to think innovatively and strategic planning experience and capability.
 </li>
 <li>
 Adequate knowledge of credit analysis, negotiation, structuring and maintenance.
 </li>
 <li>
 Good understanding of the SME credit life cycle and key drivers of SME product performance.
 </li>
 <li>
 Strong interpersonal skills and ability to work independently.
 </li>
 <li>
 Integrity, meritocracy, common sense and attention to detail.
 </li>
 <li>
 Excellent verbal and written communication skills.
 </li>
 </ul>
</div>

Senior Credit Officer - SME North

Intercargo Logistics (SMC-Private) Limited

As a Credit Controller, you will be responsible for managing the credit and payments collection process for the entire company. You will work closely with the finance and operations team to ensure that credit is extended appropriately, outstanding debts are collected promptly, and the company's overall credit risk is minimized. You will play a vital role in managing the credit and collections process to ensure the financial health of our organization. You will work closely with clients, internal teams, and external stakeholders to maintain effective credit management practices while supporting the company's growth objectives.Key Responsibilities:Customer Credit Evaluation: Assess the creditworthiness of new and existing customers in the freight forwarding industry, considering factors such as payment history, industry reputation, and financial stability.Credit Policy Development: Develop and implement credit policies and procedures tailored to the logistics industry, ensuring compliance with company objectives and regulatory requirements.Credit Limits Setting: Determine appropriate credit limits for logistics clients based on risk analysis, credit worthiness, market trends, and business needs, while ensuring alignment with company credit policies.Invoicing and Billing: Oversee the accurate and timely issuance of invoices and billing statements to logistics customers, ensuring adherence to contractual terms and billing schedules.Collections Management: Monitor accounts receivable aging reports and proactively follow up with the clients to secure timely payment of outstanding invoices, utilizing effective collection strategies and communication techniques.Dispute Resolution: Investigate and resolve billing discrepancies, disputes, or payment issues promptly and professionally, collaborating with internal departments and logistics partners as needed to achieve resolution.Relationship Building: Cultivate strong relationships with logistics customers, freight forwarders, carriers, and other stakeholders to foster collaboration, trust, and transparency in credit-related matters.Credit Reporting and Analysis: Generate regular reports and analysis on key credit metrics, including aging analysis, bad debt provisions, and credit risk assessments, to support informed decision-making and risk mitigation strategies.Cash Flow Forecasting: Collaborate with finance and operations teams to forecast cash flow projections, identify potential cash flow constraints, and implement proactive measures to optimize working capital management within the logistics business.Compliance and Documentation: Ensure compliance with relevant regulations, industry standards, and contractual agreements governing credit management activities in the logistics sector, maintaining accurate records and documentation as required.Qualifications and Skills:Ideally should be ACCA Affiliate/Member or Likewise Qualified Person with Relevant Experience of Working in a Fast Paced Environment as Credit Controller or Senior Executive Accounts ReceivablesMUST be IT Literate with an excellent understanding of Microsoft packages, outlook, word, excel etc. Experience of ERP like SAP, Sage, MS Dynamics is PREFERRED but not required.MUST have excellent English written and verbal skills (A must) MUST be able to speak and communicate in English FLUENTLY.MUST have great attention to detail MUST have excellent mathematical and analytical skills MUST work and adhere to deadlinesPlease note our office timings run from 01:30pm to 10:30pm in winters and 12:30pm to 09:30 pm is summers (according to UK timings)Previous experience with a Logistics company is a plusACCA / ICMA or related Qualification holder (Experienced preferred)MBA/BBA Finance with minimum experience of 05 yearsPLEASE DON'T APPLY IF YOU DO NOT MEET THE ABOVE CRITERIAOffice is located on 2nd Floor, OneExpress Plaza (above McDonald's and Imtiaz Mart) Islamabad Expressway Gulberg greens Interchange, Islamabad.You can also apply by sending your CV to hr@intercargo.com by including position title in the subject line.Job Type: Full-timePay: Rs100,000.00 - Rs130,000.00 per monthExperience:<ul><li>Credit Control: 2 years (Required)</li><li>Accounts Receivable side: 3 years (Required)</li></ul>Language:<ul><li>English (Required)</li></ul>Work Location: In person

Credit Controller

FinVolution

<div>
 
 Job Summary:
 
 
 To spearhead our growth in the digital lending and BNPL space. This role involves identifying new lending opportunities, forming strategic partnerships (B2B and B2C), and driving customer acquisition. You will be a key player in shaping the company&rsquo;s expansion strategy while collaborating cross-functionally to deliver impactful lending products that solve real consumer and merchant pain points.
 
 
 
 
 
 Key Responsibilities:
 
 
 1. Lending &amp; BNPL Growth Strategy
 
 
 &bull;Identify market segments (e.g., e-commerce, retail, youth) where BNPL or micro-lending can drive value.
 
 
 &bull;Work with product and risk teams to localize offerings like installment plans, short-term loans, and embedded finance options.
 
 
 2. Merchant Acquisition &amp; Partnerships
 
 
 &bull;Onboard e-commerce/offline stores, point-of-sale retailers, and service providers to offer BNPL/lending at checkout.
 
 
 &bull;Develop partnership frameworks, pricing, and revenue-sharing models.
 
 
 &bull;Educate merchants on product benefits, customer impact, and integration process.
 
 
 3. Financial Institution &amp; Channel Partner Alliances
 
 
 &bull;Establish relationships with NBFCs, banks, aggregators, or agent networks for co-lending, capital sourcing, or collections support.
 
 
 &bull;Manage partnership lifecycle from due diligence to contract negotiation and performance monitoring.
 
 
 4. Sales Pipeline Management
 
 
 &bull;Develop a strong pipeline of potential partners, merchants, and referral agents.
 
 
 &bull;Lead end-to-end sales process: prospecting, pitching, negotiating, closing, and onboarding.
 
 
 &bull;Track and report KPIs such as lead conversion, active merchant count, disbursed volume, and repeat usage.
 
 
 5. Market Intelligence &amp; Product Feedback
 
 
 &bull;Conduct market analysis on consumer behavior, credit demand, and regulatory changes.
 
 
 &bull;Act as the voice of the market to inform product development, pricing, risk models, and marketing efforts.
 
 
 
 
 
 Qualifications:
 
 
 &bull;Bachelor&rsquo;s degree in Business, Finance, Marketing, or Economics (MBA preferred).
 
 
 &bull;4&ndash;8 years of experience in business development, preferably in fintech/Telco/Digital Banking, digital lending, BNPL, or consumer credit.
 
 
 &bull;Proven success in acquiring B2B partnerships and managing large accounts or merchant networks.
 
 
 &bull;Understanding of consumer lending dynamics, credit lifecycle, and embedded finance models.
 
 
 &bull;Familiarity with digital onboarding, credit scoring, and KYC/AML compliance in the fintech space.
 
 
 
 
 
 Preferred Experience:
 
 
 &bull;Worked in or with e-commerce, POS/retail chains, or platforms offering pay-later solutions.
 
 
 &bull;Strong network with fintechs, merchants, or telcos in Pakistan or similar markets.
 
 
 &bull;Experience working with underbanked populations or developing alternate credit assessment strategies.
 
 
 &bull;Familiarity with the regulatory landscape (e.g., SBP, SECP in Pakistan or other regulators).
 
 
 
 
 
 Key Skills:
 
 
 &bull;Strategic sales and negotiation
 
 
 &bull;B2B partnership development
 
 
 &bull;Credit/lending product understanding
 
 
 &bull;Analytical thinking and reporting
 
 
 &bull;Presentation and communication skills
 
 
 
</div>

Business Development Manager

Get CRM Consultant (Pvt) LTD.

Job Description &ndash; Senior Internal Controls AnalystThe Senior Internal Controls Analyst / Internal Auditor is responsible for assessing, strengthening, and monitoring the organization&rsquo;s internal control environment across financial and operational processes. This role focuses on identifying control gaps, mitigating risks, and ensuring compliance with policies, standards, and regulations. Operating independently from day-to-day reporting, the position emphasizes oversight, governance, and process integrity.Key Responsibilities<ul><li>Evaluate the effectiveness of internal controls and risk management practices.</li><li>Lead and support risk-based audits, control assessments, and compliance reviews.</li><li>Identify control gaps, inefficiencies, and risks; recommend practical improvements.</li><li>Monitor remediation efforts and validate corrective actions.</li><li>Partner with business, finance, and compliance teams to promote a strong control culture.</li><li>Contribute to the development of internal control frameworks and audit methodologies.</li><li>Stay updated on emerging risks, regulatory changes, and best practices.</li><li>Prepare and deliver clear audit findings and reports to management.</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in Accounting, Finance, or related field (CIA, CPA, or equivalent preferred).</li><li>4&ndash;6 years of experience in internal controls, audit, or risk management.</li><li>Strong knowledge of internal control frameworks (e.g., COSO, SOX).</li><li>Solid analytical, problem-solving, and communication skills.</li><li>Proven ability to work independently and influence stakeholders.</li></ul>Job Type: Full-timeWork Location: In person

Senior Internal Controls Analyst

Finleap Financial Services (Private) Limited

<div>
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Manage daily operations, including merchant onboarding, transaction processing, settlements, and repayment tracking.
 </li>
 <li>
 Facilitate the customer application process on field
 </li>
 <li>
 Monitor and resolve operational bottlenecks, system errors, and payment failures.
 </li>
 <li>
 Serve as the operational point of contact for partner merchants.
 </li>
 <li>
 Coordinate with merchants for reconciliation, dispute resolution, and process improvements.
 </li>
 <li>
 Collaborate with risk teams to implement credit approval workflows and fraud prevention measures.
 </li>
 <li>
 Monitor repayment performance, delinquencies, and default trends.
 </li>
 <li>
 Ensure all operations comply with Regulatory Framework, consumer protection laws, and data privacy requirements.
 </li>
 <li>
 Work closely with customer support teams to resolve escalated customer issues.
 </li>
 <li>
 Track operational KPIs such as TAT (Turnaround Time), transaction success rates, delinquency rates, and merchant satisfaction.
 </li>
 <li>
 Generate and present performance reports to senior management.
 </li>
 <li>
 Identify trends and recommend process automation or optimization opportunities.
 </li>
 </ul>
 
 
 
 
 
 Key Skills &amp; Competencies
 
 
 <ul>
 <li>
 Strong understanding of product (Offline &amp; Online), consumer lending, or payment operations.
 </li>
 <li>
 Knowledge of credit lifecycle management, KYC/AML processes, and regulatory compliance.
 </li>
 <li>
 Analytical mindset with proficiency in Excel, data analysis tools, and reporting dashboards.
 </li>
 <li>
 Excellent problem-solving skills with a process improvement orientation.
 </li>
 <li>
 Strong stakeholder management and communication skills.
 </li>
 <li>
 Ability to thrive in a fast-paced fintech environment.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business Administration, Finance, Economics, or related field (Master&rsquo;s preferred).
 </li>
 <li>
 Experience in offline product-based installment verification is highly desirable.
 </li>
 <li>
 Familiarity with Off-Line &amp; API-based system integrations and payment processing platforms.
 </li>
 </ul>
 
 
 
 
 
 KPIs
 
 
 <ul>
 <li>
 Transaction processing accuracy and turnaround time.
 </li>
 <li>
 Delinquency and default rate management.
 </li>
 <li>
 Operational cost efficiency.
 </li>
 <li>
 Compliance and audit success rate.
 </li>
 </ul>
</div>

Operations Team Leader

NCRI PAKISTAN PVT. LTD.

Job Title: Manager Collections (Debt Recoveries)Location: I9/3, Islamabad Job Type: Full-time onsite.Job Summary:We are seeking an experienced and results-driven Manager Collections &amp; Recoveries to lead our debt recovery team. The ideal candidate will have a solid background in microfinance or banking, with a strong understanding of credit risk and recovery strategies. This role requires excellent leadership skills, strategic planning, and a proactive approach to minimize delinquency and maximize recoveries.Key Responsibilities:<ul><li>Lead and manage the collections to ensure timely and effective recovery of overdue loans.</li><li>Develop and implement debt recovery strategies, policies, and processes in alignment with organizational goals and regulatory requirements.</li><li>Monitor daily, weekly, and monthly collection performance; analyze trends and make data-driven decisions to improve results.</li><li>Train, mentor, and evaluate team members to enhance skills and performance.</li><li>Ensure compliance with internal policies, legal frameworks, and regulatory guidelines.</li><li>Prepare and present regular reports on recovery performance, risk areas, and action plans to senior management.</li></ul>Requirements:<ul><li>Bachelor&rsquo;s or Master&rsquo;s degree in Business, Finance, Banking, or a related field.</li><li>5&ndash;7 years of experience in debt collection/recovery, with at least 2&ndash;3 years in a managerial or supervisory role.</li><li>Prior experience in the microfinance or banking sector is a strong advantage.</li><li>Strong knowledge of collection techniques, legal recovery processes, and regulatory compliance.</li><li>Strong analytical, communication, and problem-solving abilities.</li><li>Ability to work under pressure and handle difficult situations professionally.</li></ul>What We Offer:<ul><li>Competitive salary and performance-based incentives</li><li>Professional growth opportunities</li><li>Collaborative and goal-driven work environment</li></ul>Job Type: Full-timePay: Rs100,000.00 - Rs150,000.00 per monthExperience:<ul><li>debt collections: 7 years (Required)</li></ul>Work Location: In person

Manager Collections (Debt Recoveries)

Explore 129+ Credit risk analyst offshore in Islamabad this September. Find roles across top companies and apply now to boost your career.