14 Banking & Finance jobs in Pakistan

**Introduction**
A career in IBM Consulting is rooted by long-term relationships and close collaboration with clients across the globe. You'll work with visionaries across multiple industries to improve the hybrid cloud and AI journey for the most innovative and valuable companies in the world. Your ability to accelerate impact and make meaningful change for your clients is enabled by our strategic partner ecosystem and our robust technology platforms across the IBM portfolio; including Software and Red Hat. Curiosity and a constant quest for knowledge serve as the foundation to success in IBM Consulting. In your role, you'll be encouraged to challenge the norm, investigate ideas outside of your role, and come up with creative solutions resulting in ground breaking impact for a wide network of clients. Our culture of evolution and empathy centers on long-term career growth and development opportunities in an environment that embraces your unique skills and experience.
**Your role and responsibilities**
The ideal candidate would be assisting clients in the selection, implementation, and support of Oracle's Suite of Banking Applications
Financial Crimes & Compliance Management (FCCM)
Transaction Monitoring Platforms
The ideal candidate should be able to use consulting skills, business knowledge, and packaged solution expertise to effectively integrate packaged technology into the clients business environment in order to achieve client expected business results and helps accomplish their strategic objectives.
**Required technical and professional expertise**
Ability to translate business solutions into technical requirements Openness to assist clients in the design, business architect, process development, functional implementation, and support of applications. Ability to thrive in an ever changing, technology based Consulting environment A passion for innovative ideas, coupled with the ability to understand and assimilate different points of view Exceptional quantitative analysis skills and ability to derive recommendations informed by data and insights.
The ideal candidate should also have a working understanding and experience with Financial Crimes & Compliance Management platforms catering to Financial Fraud, Anti-Money Laundering, Know Your Customer & Trade-Based Anti Money Laundering, Sanctions and Screening.
**Preferred technical and professional experience**
The ideal candidate should have a working understanding and experience with Flexcube Core Services, CASA,CASA Deposits, Corporate Deposits, Funds Transfer, Payments and Collections, Clearing, Foreign Exchange, Money Market, Relationship Pricing, Consumer Loans, Loans Syndication, Loan Securitization, Letters of Credit, Bills and Collections, Securities, Derivatives, Leasing, Collections, Term Deposits, Retail Loans - Home Loans, Agricultural Loans, Flexcube Direct Banking, Flexcube Mobile Banking.
The ideal candidate should also have a working understanding and experience with OFSAA (Oracle Financial Suite of Analytical Applications) such as Financial Crimes & Compliance Management (FCCM), Anti-Money Laundering Solutions (AML), Know Your Customer (KYC) & Trade-Based Anti Money Laundering Solutions (TBAML) and Transaction Monitoring Platforms.
IBM is committed to creating a diverse environment and is proud to be an equal-opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender, gender identity or expression, sexual orientation, national origin, caste, genetics, pregnancy, disability, neurodivergence, age, veteran status, or other characteristics. IBM is also committed to compliance with all fair employment practices regarding citizenship and immigration status.

**Our Purpose**
_Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential._
**Title and Summary**
Managing Consultant, Specialized Product Delivery (Cards Portfolio Product Specialist)
All About the Role
Advisors Deploy is an execution-oriented client facing competency that applies proven, accredited change skills and domain experience to partner with clients and help them drive measurable value by:
- Delivering new products and strategies to market smoothly and efficiently
- Successfully implementing complex technology and delivering the most challenging transformation programs to create the new business as usual
- Strengthening client's internal skills, knowledge and experience in critical areas
- Transforming client processes and optimizing their management practices
Product Management Specialist
Supports the client for profit and growth for cards, from revenue to credit costs (including Fraud) and direct/allocated costs?
Supports client for product management for cards, Audit, compliance matters and complaints support
Guides and supports in executing strategies aimed at generating revenue through products in alignment with consumer banking strategy, with a focus on whole of bank value
Provides guidance and support to client-facing professionals and sales teams to solve complex client needs through products in conjunction with acquisitions vertical.
Supports the effort to develop and execute marketing campaigns to drive product growth ensuring collaboration with the internal marketing team in conjunction with acquisitions vertical.
Helps execute end-to-end solutions for all client segments resulting in superior customer experience.
Helps with training to internal stakeholders about the product offerings ensuring knowledge transfer to facilitate product roll-out.
Performs and analyses competitive benchmarking of the products vis-à-vis competition and the market and review pricing of the products periodically.
?Support Strategy Execution
This role will be responsible for supporting:
· Managing portfolio growth and customer engagement throughout lifecycle of a card customer
· Ensuring balanced growth addressing Credit, Operations, Compliance and Service Delivery risks.
· The design and development of best-in-class portfolio programs based on local needs and co-creating globally scalable solutions with the central team.
· Managing the delivery of regulatory changes so that they are delivered timely with seamless client experience and in a cost-effective manner.
Business
· Support to develop and implement strategies to grow the credit card portfolio in line with the business targets
· Support the initiatives related to customer engagement & balance build. This includes end-to-end management of campaigns across channels to grow spends and balances
· Support the credit card instalment plans strategy, including design and construct of payment plans, implementation of an effective sales strategy and optimizing revenues
· Work with Marketing and Analytics team on customer segmentation so that focused efforts can be made to promote usage of to existing customers
Product Innovation and Development
Supports in development of the consumer product strategies and value propositions of products in alignment with customer needs and market trends.
Provides guidance and support in services/products and sub-product performance and leads development based on market trends and customer needs.
Helps execute the product strategy to deliver consumer banking solutions to clients Consumer Banking customers.
Support execution of CVP enhancement of existing services solutions and helps develop and implement any required new product solutions with a focus on being digital 1st
Supports in monitoring and evaluating the evolving competitive and regulatory environments to ensure that products are competitive and meet clients' needs.
Assists in the execution of strategic and tactical roadmap to enhance the products and services offered.
Collaborates across the cards team and across the stakeholders in order to identify gaps and opportunities for product improvement in order to address customer requirements.
Internal Collaboration
Works in collaboration with cross product client teams to maximize cross-selling opportunities.
Works with key stakeholders including Operations, Technology, Credit, Legal, and Risk to deliver timely and effective level of client experience to customers.
?Product roll-out
Supports the commercialization of new products and launch of new products and solutions, by recommending pricing, providing sales tools and training the sales team to ensure knowledge transfer resulting in successful sales in partnership with acquisitions vertical
Supports monitoring of product performance post roll-out and helps resolve product or sales issues to ensure continuous product improvement.
Execution and Implementation?
Support in delivery of large programs for clients from initiation to benefit realization
Successful execution of projects across different clients / businesses, identifying and mitigating risks, solving issues, developing plans and ensuring they are implemented in line with agreed timescales, budgets and quality criteria, including examples of re-aligning scope and objectives during a program to ensure maximum value extraction
Develop strong bonds with clients that endure beyond a particular assignment, serves as a go-to resource for client staff, is sought out for knowledge of industry and firm
Identify new business opportunities to support clients with Mastercard solutions
All About You
- Experience in delivery of large, complex projects / programs of diverse size in a cross-functional, multicultural environment
- Domain knowledge of payments industry and hands on experience of program management, ability to manage multiple stakeholders under deadlines pressure.
- Able to plan and manage a multi-workstream program from inception to delivery providing support, direction and / or technical expertise to the project team across multiple disciplines and geographies
- Develop strong presence in the client organization extending beyond the immediate boundaries of the program
- Bring interesting & relevant industry perspectives, insights and ideas to key stakeholders in the client organization
- Strong interpersonal communication and presentation skills. Able to define scope, timelines and budgets in a clear, concise language in writing and verbally. Able to report on issues, risks, progress, timelines etc. accurately and summarize effectively offering analysis, options and credible solutions
- Able to handle multiple priorities, work independently, think laterally and manage multiple issues under the pressure of conflicting constraints and limited resources. Perform and articulate cost / benefit / risk analysis
- Able to lead, motivate and develop a team of professionals
Your Education & Skills
Relevant experience of 10-12 years in cards product management
Regional experience preferred (i.e. GCC)
Bachelor's degree or equivalent qualification. Advanced degree or MBA preferred
Fluent local office language and English required, other languages desirable
Comfortable with significant client interaction and interest in building relationships
Advanced Word, Excel, and PowerPoint skills required, knowledge of Project Management tools preferred
Structured approach to project management
Analytical skills
Willingness to travel
**Corporate Security Responsibility**
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
+ Abide by Mastercard's security policies and practices;
+ Ensure the confidentiality and integrity of the information being accessed;
+ Report any suspected information security violation or breach, and
+ Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.

**Job Description**
**Are You Ready to Make It Happen at Mondelez International?**
**Join our Mission to Lead the Future of Snacking. Make It Uniquely Yours.**
You will be manager in a team responsible for the overall financial integrity and performance of a country, category, Supply Chain or FP&A. You will support the Senior Manager or Director in data collection to prepare business proposals, verify assumptions, check daily execution and support delivery of overall objectives and ensure the integrity and timeliness of reporting. You may also have a direct report or manage third party providers resources.
**How you will contribute**
You will:
+ Manage and execute aspects of finance planning and performance management process and related financial decisions potentially including Strategic Plan and Annual Contract planning/forecasting, target development, financial performance reporting/analysis, financial modeling and decision support for a focused scope within a region, business unit, country, Supply Chain, Mondelez International Business Services or Corporate Finance team. You will own data collection and verify data integrity
+ Ensure a strong controls and compliance environment in your area of scope and ensure full compliance with our policies
+ Help the senior manager and the business prepare critical financial data and insight that enable perspectives for business strategies and decisions
+ Lead projects to improve efficiencies and improvements to ways of working and embrace a mindset of continuous improvement
+ Contribute to a high-performing Finance team. You will also invest in personal development and the development of Finance peers and drive our Finance talent agenda within the organization, with a focus on local FP&A pipeline
**What you will bring**
A desire to drive your future and accelerate your career. You will bring experience and knowledge in:
+ TECHNICAL EXPERTISE in financial planning and performance management including data collection and structuring, analyzing, planning and reporting company financial performance across all financial KPIs and investment decisions and cost management to achieve financial targets
+ BUSINESS ACUMEN and understanding of our business, consumer packaged goods industry, and local snacking market dynamics. Relevant experience in a regional/local business
+ LEADERSHIP SKILLS including experience with business partnering and communication skills across a large regional or local public company
+ GROWTH/DIGITAL MINDSET and the ability to identify/execute opportunities and leverage technology to improve operational efficiency and effectiveness
+ INTEGRITY and sound judgement in all decisions and interactions aligned with our values and policies and external regulations
**More about this role**
**Qualification:** Chartered Accountant (preferred), Professional Accounting certification, MBA from top schools
**Experience:** Minimum 07 years ideally with an FMCG company. Experience in FP&A/Category Finance/Commercial Finance is a must.
No Relocation support available
**Business Unit Summary**
**Mondelez International in the Middle East, North Africa and Pakistan serves the Middle East and Africa markets as well as Australia, New Zealand, the UK and Canada. Headquartered in Dubai, UAE, we have more than 2600 employees working across seven plants and six commercial offices; we make, bake, sell and deliver our products to customers. We are market leaders in key snacking categories with iconic global and local brands including Cadbury Dairy Milk chocolate, Milka, Oreo and belVita biscuits, Barni Cakes,Tang powdered beverage, Chiclets and Trident gum and Halls candy.**
Mondelez International is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation or preference, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law.
**Job Type**
Regular
Finance Planning & Performance Management
Finance
At Mondelez International, our purpose is to empower people to snack right through offering the right snack, for the right moment, made the right way. That means delivering a broader range of delicious, high-quality snacks that nourish life's moments, made with sustainable ingredients and packaging that consumers can feel good about.
We have a rich portfolio of strong brands - both global and local. Including many household names such as Oreo, belVita and LU biscuits; Cadbury Dairy Milk, Milka and Toblerone chocolate; Sour Patch Kids candy and Trident gum. We are proud to hold the number 1 position globally in biscuits, chocolate and candy as well as the No. 2 position in gum
Our 80,000 Makers and Bakers are located in our operations in more than 80 countries and are working to sell our products in over 150 countries around the world. They are energized for growth and critical to us living our purpose and values. We are a diverse community that can make things happen, and happen fast.
Join us and Make It An Opportunity!
Mondelez Global LLC is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected Veteran status, sexual orientation, gender identity, gender expression, genetic information, or any other characteristic protected by law. Applicants who require accommodation to participate in the job application process may contact for assistance.

We are seeking Head of Finance / Chief Financial Officer (CFO) to spearhead financial strategies and operations for our growing real estate division.
Job Location:
Islamabad
Job Requirements:
Qualified Accountant (CA, ACCA, CPA, or equivalent) with experience in one of the Big Four accounting firms.
10+ years of experience in senior financial leadership roles, ideally within the real estate or construction industry.
Strong background in real estate financing, investment analysis, and market dynamics.
Experience with REIT schemes or IPOs is a significant advantage.
Proven track record of implementing financial strategies to drive growth.
Exceptional analytical, communication, and leadership skills.
Job Responsibilities & Duties:
Develop and execute financial strategies aligned with organizational goals and market trends.
Collaborate with the CEO, board members, and investors, delivering clear financial insights for decision-making.
Oversee budgeting, forecasting, and financial reporting to ensure accuracy, transparency, and compliance.
Ensure financial statement audits meet regulatory requirements.
Lead capital allocation, fundraising, and investment decisions to maximize returns.
Manage investment portfolios, including partnerships, joint ventures, and other investments.
Assess and mitigate financial risks to protect company assets and ensure sustainability.
Monitor project costs to ensure on-time, on-budget completion.
Ensure adherence to financial regulations, standards, and corporate governance practices.
Evaluate and enhance internal controls, processes, procedures, and SOPs in line with industry best practices.
Mentor and manage the finance team, fostering a culture of excellence and continuous improvement.
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Pak-Qatar Family Takaful Limited, Pakistan - Responsible for maintaining and developing client-business relationship. - Responsible for acquiring business from assigned banks and customers. - Providing support to customers to ensure that all complaints should handle immediately. - Assist and support Head of Bancatakaful in all matters and carry out tasks assigned by the supervisor on time. - Conduct research to identify new potential clients. - Ensure the delivery of prompt, efficient and personalized service to clients in close coordination with team - To ensure that clients are satisfied with the services provided by company.

Job Specification

- Relationship management - Time management - Excellent negotiation and team motivation - Excellent people/interpersonal skills - Excellent written and verbal communication skills

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Job Description : 4U is a leading company in the Manufacturing based in Lahore, specializing in high-quality snacks like CHIPS, PEANUT, NIMKO, SLANTY, TIKONAY, and CRACKERS. We are committed to excellence and innovation, and we are looking for fresh graduates to join our dynamic team as Accountants.

Responsibilities : - Assist in the preparation of financial statements and reports. - Maintain accurate records and ensure compliance with accounting regulations. - Support the monthly, quarterly, and yearly financial closing processes. - Collaborate with team members to streamline accounting processes. - Help in budget preparation and financial forecasting. Job Specification : - Proficiency in MS Excel and accounting software. - Strong analytical and problem-solving abilities. - Excellent communication and teamwork skills. - Detail-oriented with a commitment to accuracy. - Basic knowledge of accounting principles.

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Business Analyst - Risk Bank in BahrainContinuously monitor financial transactions for suspicious activities.Take the necessary actions for alerts triggered based on the predefined criteria within the system.Report and register all the action taken within the system.Investigate triggered alerts, review the alert data, user behavior, take necessary actions, and document findingsEnsure all actions and investigations are properly recorded and reported.6. Communicate with the customers to verify the suspicious transactions and activities.Recommend enhancements to the fraud monitoring system and alert scenarios.Committed with rules and regulations

Job Description:

Accounts Payable Operations

• Supervise end-to-end AP cycle, including invoice verification, GRN/PO matching, and payment processing.
• Ensure timely and accurate disbursements aligned with payment terms and tax regulations (WHT, GST, etc.).
• Lead vendor account reconciliations, manage payment holds, and resolve disputes in coordination with procurement.
• Monitor AP ageing reports and ensure adequate accruals and reporting are in place during the period close.

Treasury & Cash Management

• Monitor daily cash balances and prepare weekly/monthly cash flow forecasts.
• Coordinate FX transactions, fund transfers, and banking documentation with internal and external stakeholders.
• Maintain effective control over bank reconciliations and treasury reporting.

Team Management & Leadership

• Lead and develop a team of AP and Treasury professionals, fostering accountability and continuous improvement.
• Assign responsibilities, review team outputs, and coach team members to meet performance and service standards.
• Set clear KPIs for shared services and support a culture of accuracy, timeliness, and customer service.

Cross-functional Collaboration

• Collaborate with Procurement, Supply Chain, and Commercial teams for issue resolution and process alignment.
• Act as a point of contact with internal auditors, external auditors, and compliance teams during audits and reviews.
• Maintain strong working relationships with banking partners and financial institutions.

Process Improvement & Controls

• Identify gaps and inefficiencies within the AP and treasury processes and recommend automation or workflow changes.
• Ensure strong internal controls, policy adherence, and audit readiness across all shared services processes.
• Support finance transformation initiatives, including ERP enhancements and digitisation of payment processes.

Qualifications & Experience:

• ACCA / CMA / MBA (Finance)
• 6-9 years of experience in finance operations, with at least 23 years in a supervisory or managerial role
• Hands-on experience in Accounts Payable and Treasury within a shared services or large organisation
• Proficient in ERP systems (preferably SAP) and Excel.

Qualifications & Experience:

• ACCA / CMA / MBA (Finance)
• 6-9 years of experience in finance operations, with at least 23 years in a supervisory or managerial role
• Hands-on experience in Accounts Payable and Treasury within a shared services or large organisation
• Proficient in ERP systems (preferably SAP) and Excel.

Key Skills & Competencies:

• Strong operational grip with a solution-oriented mindset
• Effective communication and stakeholder management
• People management and team development
• Process discipline with attention to detail
• Familiarity with local tax and banking regulations

Preferred Industry Exposure:

• Pharmaceutical, FMCG, or Manufacturing industry
• Experience with DRAP regulations, SBP interactions, or institutional payment cycles is an advantage

Job Description:

1. Business Partnering & Strategic Support

• Partner with commercial teams to align financial planning with brand strategy, product launches, and market dynamics.
• Act as the finance representative in brand planning, demand forecasting, and go-to-market initiatives.
• Drive sales and profitability analysis to guide pricing strategies, discount structures, and channel margins.

2. Financial Planning & Analysis (FP&A)

• Lead the budgeting and forecasting process for revenue, trade spend, and marketing spend.
• Conduct monthly and quarterly variance analysis and deliver insight into performance drivers.
• Provide ROI analysis on promotional campaigns, trade activities, and new product development (NPD).

3. Performance Monitoring & Reporting

• Track KPIs such as sales volume, gross-to-net, contribution margin, SKU profitability, and customer-level profitability.
• Monitor primary vs secondary sales trends, inventory levels, and wholesaler returns.
• Prepare dashboards and business review decks for regional/global reporting.

4. Pricing & Revenue Management

• Support pricing committees with market intelligence, competitive benchmarking, and margin simulations.
• Monitor the impact of DRAP pricing policies, government tenders, and managed care contracts on revenue.

5. Cross-functional Collaboration

• Work with supply chain and demand planning to ensure forecast accuracy and product availability.
• Coordinate with regulatory and medical affairs for impact analysis of product changes or regulatory shifts.
• Liaise with IT and analytics teams for data integration, SAP reporting, and automation of reports.

Qualifications & Experience:

• ACCA, CMA, or MBA (Finance/Strategy).
• 6+ years of experience in commercial finance roles, preferably in pharmaceutical, FMCG, or life sciences industries.
• Strong understanding of pharma commercial models (trade, institutional, export, retail).
• Experience with ERP systems (SAP preferred) and BI tools (Power BI, Tableau).

Skills & Competencies:

• Business acumen with a commercial mindset.
• Excellent analytical, problem-solving, and financial modelling skills.
• Ability to communicate clearly with both finance and non-finance stakeholders.
• Stakeholder management and influencing skills at senior levels.
• Detail-oriented but with a focus on the bigger picture.

Preferred Knowledge:

• Understanding of DRAP regulations and pharma pricing frameworks in Pakistan or MENA.
• Exposure to market access strategies and healthcare reimbursement models.
• Awareness of sales channel structures, distributor management, and trade terms.