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credit analyst / credit risk management Jobs in Karachi

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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

UBL - United Bank Limited

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

Senior Credit Analyst - Financial Institution

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

Visa

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

Senior Manager -  Risk Management Pakistan & Levant

ICIL

Job Description<ul><li>Conduct thorough quality checks of Business Information Reports (Local and Foreign), Income Estimation Reports, and Corporate Check Reports to ensure accuracy, completeness, and adherence to internal standards.</li><li>Prepare Business Information Reports (Local and Foreign), Income Estimation Reports, and Corporate Check Reports when required.</li><li>Address and resolve queries related to reports and collaborate with various departments to ensure timely and accurate deliverables.</li><li>Ensure all reports are delivered within the defined Turnaround Time (TAT). Assist the manager with day-to-day tasks and departmental operations.</li></ul>Skills<ul><li>Financial analysis</li><li>Risk Assessment</li><li>Finance</li><li>Financial Reporting</li><li>Team Management</li></ul>Job Type: Full-timePay: Rs40,000.00 - Rs55,000.00 per monthEducation:<ul><li>Bachelor's (Preferred)</li></ul>Work Location: In person

Credit Analyst

Utopia Fulfillment

The Senior Executive &ndash; Internal Audit will be responsible for conducting internal audit engagements, assessing internal controls, and identifying process improvements to enhance operational efficiency. This role involves risk assessments, compliance checks, and financial analysis to ensure adherence to industry regulations and company policies.Key Responsibilities:<ul><li>Conduct internal audit engagements, including planning, execution, and reporting.</li><li>Assist in preparing audit reports with key findings, recommendations, and corrective actions.</li><li>Evaluate internal controls and operational processes to identify areas for improvement.</li><li>Perform risk assessments and suggest control enhancements to mitigate risks.</li><li>Review financial transactions, supporting documentation, and reconciliations for accuracy and compliance.</li><li>Ensure compliance with industry-specific regulations, company policies, and best practices.</li><li>Support the development and implementation of audit plans and strategies.</li><li>Assist in the preparation and review of financial statements to ensure accuracy and regulatory compliance.</li><li>Stay updated on audit standards, legal requirements, and industry best practices.</li><li>Collaborate with cross-functional teams to address audit observations and process improvements.</li></ul>Requirements:<ul><li>Education: CA/ACCA/CMA-Finalist plus Bachelor&rsquo;s degree in Finance, Commerce, Accounting, or a related field.</li><li>Experience: 1-2 years of experience in internal audit, pre-audit, or finance-related roles.</li><li>Familiarity with industry-specific regulatory requirements and compliance frameworks.</li><li>Strong analytical, problem-solving, and critical-thinking skills.</li><li>Good communication and interpersonal skills to work effectively with teams.</li><li>Ability to handle pressure and meet tight deadlines in a fast-paced environment.</li><li>Proficiency in audit tools, Microsoft Office, and ERP systems (preferred).</li><li>Experience in e-commerce, manufacturing, or a relevant industry (preferred).</li></ul>Job Type: Full-timeWork Location: In person

Senior Executive/ AM - Internal Audit

GFS Builders and Developers

Financial Analyst Responsibilities:<ul><li>Analyzing financial data.</li><li>Researching macroeconomic and microeconomic conditions.</li><li>Preparing accounting and other required reports and projections based on the analysis performed.</li><li>Evaluating capital expenditures and asset depreciation.</li><li>Establishing and evaluating records, statements, and profit plans.</li><li>Identifying financial performance trends and financial risk, and making recommendations.</li><li>Providing recommendations for improvement based on trends.</li><li>Coordinating with other members of the finance team, such as a risk analyst when required to review financial information and forecasts.</li><li>Providing financial models.</li><li>Making financial forecasts.</li><li>Analyzing inventory.</li></ul>Financial Analyst Requirements:<ul><li>Bachelor's degree in business, accounting, finance, economics, or ACCA, CA Inter. ICMA or related field.</li><li>Proven experience in the Real Estate industry.</li><li>Proficiency with spreadsheets, databases, and financial software applications.</li><li>Outstanding presentation, reporting, and communication skills.</li><li>Proven knowledge of financial forecasting and diagnosis, corporate finance, and information analysis.</li><li>Proficient in Word, Excel, Outlook, and PowerPoint.</li><li>Comfortable using a computer for various tasks.</li><li>Proven leadership abilities.</li></ul>Job Type: Full-timeWork Location: In person

Financial Analyst

Explore 205+ Risk analyst in Karachi this December. Find roles across top companies and apply now to boost your career.

205 risk analyst jobs IN Karachi

Credit Analyst / Credit Risk Management

Senior Credit Analyst - Financial Institution

Credit Analyst / Credit Risk Management

Senior Manager - Risk Management Pakistan & Levant

Credit Analyst

Senior Executive/ AM - Internal Audit

Financial Analyst