40 Commercial Finance jobs in Pakistan

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.

Job purpose/ summary of the overall job assignment:

About Us:

Origins 1450 is a diversified holding group operating across the coffee value chain, including sourcing, trading, roasting, and retail. We are committed to innovation, excellence, and sustainability in every aspect of the coffee industry. We are seeking a strategic and experienced Finance Director to lead our financial function as we expand globally.

About the Role:
The Finance Specialist will provide tailored financial management for their assigned vertical, ensuring operational efficiency, compliance, and profitability. This role involves close collaboration with operational teams to optimize financial outcomes and drive growth.

We are looking for team members who thrive in a dynamic, high-growth environment. This is not a conventional “9-to-5” job; instead, it’s an opportunity to contribute to the rapid growth and success of a business that values initiative, commitment, and innovation. If you’re passionate about building something extraordinary and are excited to put in the effort required to grow, this role is for you.

Key accountabilities/main responsibilities:

1. Prepare budgets and forecasts for the assigned vertical, ensuring alignment with overall business objectives.
2. Analyze P&L statements and provide variance analysis with actionable recommendations.
3. Track and manage costs, including sourcing, logistics, production, or operational expenses relevant to the vertical.
4. Develop cost-control measures to enhance profitability and operational efficiency.
5. Ensure compliance with financial regulations, including tax filings, payroll accuracy, and statutory obligations.
6. Oversee payroll processing for employees within the vertical.
7. Partner with operational leaders to provide financial insights and support strategic decisions.
8. Act as a key liaison between finance operations and vertical teams.
9. Identify and implement efficiencies in financial operations to support business growth.

What we’re looking for:

A proactive team player who thrives in a dynamic, high-growth environment and is eager to contribute to building something extraordinary.

Someone who values accuracy and accountability, with a keen eye for detail.

Job Specification :

Knowledge, skills and experience:

Required

1. Bachelor’s degree in Finance, Accounting, or related field.
2. Professional qualification (e.g., ACA, ACCA, CIMA).
3. 4-6 years of experience in financial management or analysis.
4. Proficiency in financial reporting and ERP systems.

Desired

1. Experience in retail, trading, or manufacturing environments.
2. Familiarity with international markets or diverse operations.

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To manage all aspects of Financial Markets reporting, product controls, performance monitoring of Corporate & Investment Banking (CIB) and Transaction Banking (TB) portfolios along with related activities. Well versed with international accounting standards and regulations, as well as a track record in Reporting, planning and driving CIB finance agenda.

• Support Business Finance head in the Country 5-year Strategic Plan and Forecasting processes (Corporate Plan). These activities include target setting, supporting operating plans and performance management for the CIB business including Transaction Banking.
• Provide timely & accurate financial information to enable strategic decision making.
• Collaborate with CIB and TB colleagues in providing quality management information and preparation of business plans and strategies.
• Support CIB Business to drive and manage performance.
• Analyse monthly CIB and TB business performance.
• Ensure timely & accurate delivery of monthly performance management reporting for revenue, loan impairment and balance sheet for CIB and TB businesses.
• Provide in-depth analysis of product profitability within the country.
• Support Regional Business Finance teams in respect to CIB Products performance management.
• Support Group Special Asset Management (GSAM) in respect of timely booking of loan impairments as well as monitoring interest in suspense for downgraded clients.
• Perform timely Group, Financial reporting while ensuring that reallocations are accurately recorded.
• Analyse performance against budget, highlight variances and provide insightful commentaries.
• Monitor financial and non-financial performance measures e.g. product profitability, deals in pipeline etc.
• Track performance of all new initiatives against the set targets and appraise the senior management.
• Coordinate with various finance teams within the Group for booking of PNL & Balance sheet adjustments on monthly basis.
• Support Country Finance in preparation of Statutory financials and Board presentation for CIB.
• Circulate monthly accrued interest income (AIR) vs interest in suspense (IIS) reconciliation to GSAM to monitor excess IIS against downgraded clients.
• Assist Head Business Finance CIB in designing information systems for various initiatives along with presentation for senior management.
• Financial Markets Generic Product Programs while implementing Group accounting guidelines at Country level and adapting it to additional in-country requirements.
• Perform monthly balance substantiation for specified accounts.
• Responsible for booking and settlement of Financial Allocations with Group affiliates as part of Group Transfer Pricing guidelines.
• Tracking Intra Group guarantees (IGG) issued to CIB clients and ensuring that the overall Country Guarantee Limit for Pakistan is not breached.
• Perform cross functional quarterly control testing on returns submitted by Balance Sheet Management Unit, Regulatory Reporting unit and Islamic Banking unit to the Regulator.
• Responsible for identifying, assessing, monitoring, controlling and mitigating risks applicable to CIB business.
• To ensure compliance with Operational Risk Policy & Procedures and that exceptions are raised & addressed timely.
• Effective management of operational risk within the function by ensuring the proper functioning of embedded periodic controls through Control sample testing (CST) and Key risk indicators (KRI).
• Act as secondary line of defence by identifying key risk areas through risk assessment of critical business process and assist management in implementing controls to address those risks.
• Ensure compliance with Group / International Financial Reporting Standards (IFRS) accounting principles and practices, Financial Control policy, and other regulatory accounting guidelines.
• Responsible for assessing effectiveness, maintaining oversight and controls in business finance.
• Awareness and understanding of the regulatory framework in which the businesses operate.

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits.
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

About The Team

This role is a unique opportunity to play a significant part in shaping the financial decisions at Careem. It involves spend management activities, building insightful reports on the spends and developing essential strategies to ensure financial practices are consistently followed across various budget areas. This position is key to upholding financial discipline and making impactful contributions to the company's financial health.

What You'll Do

• Lead variance analysis vs budgets and execute comprehensive budgeting exercises across markets, ensuring monthly accruals are accurately calculated for all operational regions.
• Serve as the primary point of contact for cost optimization initiatives, actively contributing to strategic financial planning.
• Develop and implement initiatives to control expenditures against the budgets allocated for different markets.
• Create systems and dashboards to enhance visibility and control over financial spends, aiding in decision-making processes for various stakeholders.
• Identify and communicate any discrepancies or anomalies in spend tracking to Business Leaders and the FP&A function.
• Collaborate with internal teams to refine and enhance financial systems and processes, ensuring they meet the evolving needs of the business.
• Partner with data teams to resolve data integrity issues, ensuring the accuracy and reliability of financial reporting.

What You’ll Need

• Up to 6 years of relevant experience in financial analysis, budgeting, and strategic planning.
• Advanced proficiency in Excel required. SQL knowledge is a plus.
• Strong problem-solving and analytical skills, with a proactive approach to gathering insights and data for impactful decision-making.
• Ability to thrive in a fast-paced, demanding environment, with a hands-on and ownership-driven mindset.
• Strong communication and presentation skills, capable of conveying complex financial information in a clear and persuasive manner.
• A bachelor's degree in Finance, or a related field with a solid foundation in financial principles.

Job Summary

To manage all aspects of Financial Markets reporting, product controls, performance monitoring of Corporate & Investment Banking (CIB) and Transaction Banking (TB)portfolios along with related activities. Well versed with international accounting standards and regulations, as well as a track record in Reporting, planning and driving CIB finance agenda.

Key Responsibilities

• Support Business Finance head in the Country 5-year Strategic Plan and Forecasting processes (Corporate Plan). These activities include target setting, supporting operating plans and performance management for the CIB business including Transaction Banking.
• Provide timely & accurate financial information to enable strategic decision making.
• Collaborate with CIB and TB colleagues in providing quality management information and preparation of business plans and strategies.
• Supporting CIB Business to drive and manage performance.
• Analyse monthly CIB and TB business performance.
• Ensure timely & accurate delivery of monthly performance management reporting for revenue, loan impairment and balance sheet for CIB and TB businesses.
• Provide in depth analysis of product profitability within the country.
• Support Regional Business Finance teams in respect to CIB Products performance management.
• Support Group Special Asset Management (GSAM) in respect of timely booking of loan impairments as well as monitoring interest in suspense for downgraded clients.
• Perform timely Group, Financial reporting while ensuring that reallocations are accurately recorded.
• Analyse performance against budget, highlight variances and provide insightful commentaries.
• Monitor financial and non-financial performance measures e.g. product profitability, deals in pipeline etc.
• Track performance of all new initiatives against the set targets and appraise the senior management.
• Coordinate with various finance teams within the Group for booking of P&L & Balance sheet adjustments on monthly basis.
• Support Country Finance in preparation of Statutory financials and Board presentation for CIB.
• Circulate monthly accrued interest income (AIR) vs interest in suspense (IIS) reconciliation to GSAM to monitor excess IIS against downgraded clients.
• Assist Head Business Finance CIB in designing information systemsfor various initiatives along with presentation for senior management.
• Financial Markets Generic Product Programs while implementing Group accounting guidelines at Country level and adapting it to additional in-country requirements.
• Perform monthly balance substantiation for specified accounts.
• Responsible for booking and settlement of Financial Allocations with Group affiliates as part of Group Transfer Pricing guidelines.
• Tracking Intra Group guarantees (IGG) issued to CIB clients and ensuring that the overall Country Guarantee Limit forPakistan is not breached.
• Perform cross functional quarterly control testing on returns submitted by Balance Sheet Management Unit, Regulatory Reporting unit and Islamic Banking unit to the Regulator.
• Responsible for identifying, assessing, monitoring, controlling and mitigating risks applicable to CIB business.
• To ensure compliance with Operational Risk Policy & Procedures and that exceptions are raised & addressed timely.
• Effective management of operational risk within the function by ensuring the proper functioning of embedded periodic controls through Control sample testing (CST) and Key risk indicators (KRI)
• Act as secondary line of defence by identifying key risk areas through risk assessment of critical business process and assist management in implementing controls to address those risks
• Ensure compliance with Group / International Financial Reporting Standards (IFRS) accounting principles and practices, Financial Control policy, and other regulatory accounting guidelines.
• Responsible for assessing effectiveness, maintaining oversight and controls in business finance.
• Awareness and understanding of the regulatory framework in which the businesses operate.

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills,global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

For further information, and to apply, please visit our website via the “Apply” button below.

We are looking for a Business Finance Analyst with excellent communication and leadership abilities.

• Analyze sales trends, product mix, discounts, trade offers, and margins.
• Prepare and monitor actual vs budgeted numbers and variance analysis.
• Develop and maintain dashboards and reports for key sales KPIs and financial metrics.
• Coordinate with sales and commercial teams to evaluate financial performance across regions and distributor channels.
• Assist in building and maintaining segment wise Profit & Loss statements (P&Ls).
• Support monthly/quarterly business reviews and decision-making through financial insights.
• Ensure accuracy of financial data related to Local Sales in ERP and reporting systems.
• Contribute to cost-to-serve, receivables, and channel incentive analysis.
• Analyze production variances, wastages and cost trends.
• Monitor inventory levels and highlight slow moving inventory.

Key Requirements:

• ACMA/ICMA/ACCA/CA (Finalist)
• 5-7 years of relevant experience in a manufacturing or FMCG setup.
• Strong analytical skills with attention to detail and business acumen.
• Proficiency in MS Excel, Word and PowerPoint and experience with ERP system (Oracle).
• Excellent communication skills and ability to work cross-functionally.
• Comfortable working under tight deadlines and with multiple stakeholders.