78 Aml Analyst jobs in Pakistan

Bobtail is dedicated to increasing happiness by eliminating inefficiencies in the supply chain. We envision a supply chain without friction, fraud, waste, and abuse where companies succeed based on the value they create.

We work in a unique way at Bobtail, where we value teams over individuals and encourage experimentation and iteration to constantly improve. Teams are given flexibility in working towards a shared purpose and given the freedom to decide how they will accomplish their goals.

If you are an out of the box thinker that takes a proactive approach in collaborating with others to solve problems and achieve your goals - we would love to talk to you.

The things we value:

• Mission
• Teams over individuals
• Communication
• Iteration
• Experimentation and failing fast
• Initiative and solutions oriented approach
• Documentation
• Data
• Mental health and work life balance
• Diversity
• Transparency

• Minimum 1-3 years of relevant experience.
• Proficiency in SQL — must be comfortable writing queries and working with complex data.
• Strong analytical mindset with high attention to detail.
• Familiarity with dashboard tools (Looker, Tableau, Power BI, etc.).
• Clear, concise communication — especially written summaries and RCA documentation.
• Comfort working with large datasets in a fast-paced environment.

• Experience with Python for analysis or automation.
• Exposure to financial risk , trading operations , or futures .
• Internship or hands-on experience in risk, analytics, fintech, or lending .
• Prior experience in a tech startup — preferred for adaptability, ownership, and comfort with ambiguity.

• Build and maintain dashboards tracking key risk indicators (KRIs) such as Days to Pay (DTP), Non-Payments and Claims.
• Monitor unusual patterns , including Spikes in DTPs, Surges in Non-Payments and High client concentration risks.
• Support root cause analysis (RCA) for fraud, losses, or exceptions using invoice-level data .
• Pull and analyze data to support case reviews and operational audits.
• Support creation of alerts based on real-time behavior shifts.
• Write and optimize SQL queries to extract risk-relevant datasets.
• Support data cleaning, transformation, and preparation for reporting or presentations.
• Create short, structured summaries of investigations.
• Document emerging patterns and risk scenarios.
• Monthly Mental Break Day
• Paid Time Off
• Work from home (or wherever)
• Parental leave
  
  

Creating a diverse and inclusive workplace is Bobtail’s nucleus. We are an equal opportunity employer and embrace people of different backgrounds, cultures, religions, national origins, races, colors, genders, gender expressions, sexual orientations, ages, marital status, veteran status, experiences, abilities and perspectives.

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The Credit Risk Manager / Analyst will be responsible for credit analysis, identifying and assessing potential risks, and suggesting mitigation measures thereby contributing to strategic decision-making. The incumbent will provide necessary support to Team Lead in the development and implementation of credit risk management strategies at PFSL focusing on the growth of SMEs, provide risk insights for product development, risk policies, and input of risk rating and credit scoring model.

Location:

Job Type:

Job Task:

Major Responsibilities:

• Conduct comprehensive risk assessments across all facets of banking operations, including credit risk, market risk, operational risk, and liquidity risk.
• Analyze financial data, market trends, and regulatory guidelines to evaluate risk exposure and ensure compliance with relevant standards.
• Conduct thorough due diligence to assess borrower’s cash flows, repayment capacity, funding requirements, and identify key business drivers and weaknesses.
• Ensure credit proposals fit with business strategy while adhering to regulatory and in-house policy framework.
• Conduct constant monitoring of credit portfolio to maintain/enhance quality and mitigate associated risks involved.
• Implement an Environmental and Social Management Systems (ESMS) framework, ensuring compliance with national environmental and social regulations.
• Utilize probability of default/loss given default models and IFRS9 standards to calculate Expected Credit Loss (ECL) of the lending portfolio development and maintain risk analytics framework for credit scoring and integration with the Enterprise Risk Management system.
• Track and report performance of risk strategies, including per-party exposure, sector exposures, and early warning signals.
• Prepare risk analysis reports and presentations for senior management, regulatory authorities, and other stakeholders.
• Stay updated with industry regulations and best practices related to risk management in the banking sector.

Functional Skills / Knowledge Areas:

• Strong proficiency in risk assessment methodologies with a deep understanding of credit risk, market risk, operational risk, and liquidity risk within the banking sector.
• Excellent analytical and problem-solving skills, with the ability to interpret financial data and market trends effectively.
• Detail-oriented with exceptional organizational skills to manage multiple tasks and prioritize effectively.
• Outstanding verbal and written communication skills.
• Proficiency in using Microsoft Office tools, particularly Excel and PowerPoint.
• Ability to work both independently and collaboratively within a team environment.
• Proactive mindset with a strong willingness to learn and adapt to new challenges.
• Experience in credit risk management within the financial services industry.
• Understanding of equity markets and associated instruments.
• Excellent interpersonal and communication skills.
• Strong sense of accountability, integrity, flexibility, adaptability, and cultural sensitivity.
• Ability to handle multiple assignments simultaneously and meet deadlines under pressure.

Eligibility Criteria:

• Minimum of a Bachelor’s Degree in Business, Commerce, Finance, or related discipline. A Master’s degree in Finance and/or Business Administration is preferred.
• Professional qualifications in Finance Discipline will provide an added advantage.
• Minimum of two years of relevant experience in a credit risk function or risk management within the banking or financial services industry.
• Experience in risk assessment within the SME segment would be advantageous.

Oak Financial and Management Consultant is a leading consulting firm specialized in financial services in Business processes, Financial Planning, Assessing Financial Performance, Business case-study, Accounting and Financial support in every industry, Especially professional services such as Retail, Transportation, Manufacturing and the IT industry.

Key Responsibilities:

Financial Analysis: Conduct in-depth analysis of financial statements and other relevant data to assess the financial health of the company. Identify trends, anomalies, and opportunities for improvement.

Financial Modeling: Develop and maintain complex financial models to support budgeting, forecasting, and decision-making processes. Use historical data and assumptions to create accurate financial projections.

Cost Estimation: Utilize previous experience to provide detailed cost estimations based on project scope, ensuring accuracy and alignment with company goals.

Data Presentation: Prepare clear and concise reports and presentations for management and operational teams, translating financial data into actionable insights.

Excel Proficiency: Excel mastery is a must. Use advanced Excel functions and tools to analyze and manipulate financial data efficiently.

Deadline Management: Work effectively under pressure to meet strict deadlines, ensuring timely delivery of financial reports and analysis.

Multitasking: Juggle multiple tasks and projects simultaneously, maintaining a high level of accuracy and attention to detail.

Team Coordination: Collaborate with cross-functional teams to gather data, validate assumptions, and ensure alignment on financial goals.

Bid Financial Modeling: Experience in financial modeling for bidding processes will be given preference. Assist in creating financial models for bids and proposals.

Qualifications:

Bachelor's degree in Finance, Accounting, or a related field.

2-3 years of relevant experience in financial analysis.

Strong understanding of financial concepts, including Financial Statements.

Exceptional proficiency in Microsoft Excel.

Ability to communicate effectively in English, both written and verbal.

Excellent attention to detail and analytical skills.

Strong organizational and time management abilities.

Proven ability to work independently and in a team.

Experience in financial modeling for bids is a plus.

Job Description :
We are hiring a Financial Analyst to monitor market activities and assist in backtesting market data using real-time strategies. This is a remote position with a 12-hour shift from 8 AM to 8 PM, Monday to Saturday, during the 2-month paid probation period. After the probation period, this will transition to an in-office role, requiring attendance at our office.

Key Responsibilities:

Backtest and analyze financial market data to support decision-making.
Monitor market trends and provide real-time insights during live trading.
Participate in training sessions to enhance strategy implementation.
Collaborate with the team to optimize analytical models and strategies.
Requirements:

Bachelor’s degree in Business Administration, Finance, or a related field.
Strong analytical skills and attention to detail.
Ability to work long hours and stay focused during monitoring.
Familiarity with trading strategies and market analysis is an advantage.
Salary:
Competitive, based on qualifications and experience.

Additional Information :

Remote work during the 2-month probation period (paid).
Post-probation, the role will shift to an in-office position.
Opportunity to gain hands-on experience in financial analysis and strategydevelopment.

Join to apply for the Financial Analyst role at Contour Software

Join to apply for the Financial Analyst role at Contour Software

About Contour

Contour Software has grown from a dozen people to over 2,000 staff across 3 cities, in less than 14 years.

About Contour

Contour Software has grown from a dozen people to over 2,000 staff across 3 cities, in less than 14 years.

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.

What started as an R&D & 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 & 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!

About The Division

At The Vertus Group, we believe in driving the maximum value for consumers everywhere. We're empowering leading clients to help them go further and build optimal engagement for their customers.

About The Position

We are looking for a Financial Analyst to join our Finance team for a permanent full-time position. The successful candidate will report to the Manager, Finance. They will manage and coordinate all aspects of accounting and will be responsible for conducting high-level analysis of revenue, credit, expenses and overhead. If you are highly detail-oriented and capable of analyzing data with creativity and innovation in mind, we want to hear from you!

What You'll Be Working On

• Manage General Ledger in accordance with accounting policies and perform balance sheet reconciliations.
• Reconcile the AP and AR Subledgers to the General Ledger.
• Reconcile transaction values in different systems against bank transactions, coordinating with the Partnership team on discrepancies.
• Create monthly reconciliation error summary reports and coordinating with the Partnership team to correct errors.
• Identify intercompany differences and communicate findings to the local accounting team.
• Quarterly reconciliations & Analysis.
• Maintain accurate balance sheet account reconciliations.
• Develop and implement process improvements and prepare documentation for newly implemented processes.
• Prepare sales tax returns.
• Assist with Quarterly and Semiannually Note disclosures.
• Review monthly revenue and expenses for accruals.
• Draft and record monthly recurring and adjusting journal entries.
• Assist in quarterly profit and loss forecasting.
• Compile monthly financial statements, monthly accounting schedules, conducted financial analysis on monthly statements, perform bank reconciliations.
• Work closely with the SFA & other senior members of the company.
• Engage in a process of continuous improvement to use tools to automate as much of the financial reporting processes as possible.
• Ad-hoc tasks (analysis of significant and/or unique transactions against accounting policies; building Excel templates to improve efficiencies over processes; etc)
  
  

• Minimum of 3 years' experience in a similar role
• Finalist / Qualified Professional Accountant or bachelor's degree in Accounting or business administration
• Knowledge of multi-currency transactions
• Advanced knowledge of MS Excel, using excel VLOOKUP and pivot tables in data analysis
• Excellent verbal and written communication skills
• Strong organizational and time management skills
• Familiarity with GP an asset
  
  

• Market-leading Salary
• Medical Coverage – Self & Dependents
• Parents Medical Coverage
• Provident Fund
• Employee Performance-based bonuses
• Home Internet Subsidy
• Conveyance Allowance
• Profit Sharing Plan (Tenured Employees Only)
• Life Benefit
• Child Care Facility
• Company Provided Lunch/Dinner
• Professional Development Budget
• Recreational area for in-house games
• Sporadic On-shore training opportunities
• Friendly work environment
• Leave Encashment
  
  

• Seniority level Mid-Senior level

• Employment type Full-time

• Job function Finance and Sales
• Industries IT Services and IT Consulting

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We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.

Tajir is a new way for stores to buy inventory. Through the Tajir app, stores can order whenever they want, receive on-demand delivery, and choose from the largest selection of products available. Combined with transparent and competitive prices, Tajir takes a process that took a dozen hours every week and reduces it to a few minutes.

For brands, Tajir ensures that products are always reliably stocked at stores. Brands enjoy higher margin sales with zero additional investment.

Since our launch, we became the first company for Pakistan funded by Y Combinator, raised seed capital and further financing from Kleiner Perkins, and — most importantly — have served over 100,000 stores.

Today, Tajir helps stores save money and boost sales. Our vision is to provide every store in Pakistan the essential services it needs to grow.

• Bachelor’s degree in Accounting & Finance or related field, or background of CMA/ACCA qualification.

• 0-2 years of work experience in FP&A, or high-growth startup environments.

• Strong command on Google Sheets/Excel.

• Strong ethical standards and highest level of integrity.

• Strong attention to detail.

• Passionate about working in a dynamic and fast-paced environment.

• Nice to have – hands-on SQL knowledge.

Financial Forecasting & Planning

• Develop and maintain integrated financial models covering income statement, balance sheet, and cash flow;

• Collaborate with growth, supply chain, and operations to forecast product margins, sales volumes, overheads, and free cash flow;

Performance Analysis & Insight Generation

• Perform variance analysis between actuals, budget, and forecasts; proactively identify drivers of deviations;

• Deep dive into seasonality trends, pricing/margin evolution, outlet productivity, and other business levers;

• Design and track performance metrics for growth, supply chain, and operations teams; identify and follow up on key actions.

Strategic & Long-Term Planning

• Assist in developing strategic financial plans in collaboration with the founding team;

• Build models that link top-line growth to working capital, infrastructure, and profitability impacts.

Ad Hoc & Operational Analysis

• Conduct scenario modeling, cohort analysis, and custom deep-dives to answer high-priority business questions;

• Collaborate with the Accounting team to reconcile actuals, support monthly reporting, and ensure data consistency;

• Own cash forecasting tools and help maintain visibility on short-term liquidity and funding needs.