28 Credit Analyst jobs in Pakistan

Join to apply for the CREDIT ANALYST- FIXED INCOME (BONDS PORTFOLIO) role at ACCA Careers .

• Qualification: ACCA (Part-qualified or Affiliate)
• Experience: Fresh to 1 year
• Employment Type: Trainee (with potential for permanent role based on performance)
• Stipend: As per industry standards

• Assist in preparation of income and sales tax returns
• Support senior staff in client tax matters
• Conduct basic tax research
• Prepare working papers and maintain tax files

• Basic understanding of Pakistani tax laws
• Strong skills in MS Excel and communication
• Eagerness to learn and grow in a professional environment

• Seniority level: Internship
• Employment type: Contract
• Job function: Finance and Sales
• Industries: Accounting

Referrals increase your chances of interviewing at ACCA Careers by 2x.

This job posting appears current and active. No indication of expiration found.

Qualification: ACCA (Part-qualified or Affiliate) Experience: Fresh to 1 year Employment Type: Trainee (with potential for permanent role based on performance) Stipend: As per industry standards

Key Responsibilities:

Assist in preparation of income and sales tax returns

Support senior staff in client tax matters

Conduct basic tax research

Prepare working papers and maintain tax files

Skills Required:

Basic understanding of Pakistani tax laws

Strong skills in MS Excel and communication

Eagerness to learn and grow in a professional environment

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.

This position is responsible for carrying out and managing the financial planning responsibilities within the FP&A Central team function.

The role reports directly to Stream Head FP&A - Central.

• Maintain and update consolidated & SBU wise financial planning models, ensure accuracy, consistency, and alignment with business assumptions.
• Collaborate with FP&A business partners and other Finance teams to conduct variance analysis of P&L, Balance Sheet & Cashflow versus budget/forecast.
• Work closely with Accounting, Tax, Treasury, and other functions to review and analyze the reasonableness, completeness, and accuracy of the related assumptions and incorporate inputs into forecasted financial statements/planning models and reports.
• Coordinate with internal stakeholders to gather input and ensure timely and accurate submission of planning deliverables.
• Prepare, analyze, and present various impact analyses/overlays.
• Support Group-level planning cycles by coordinating and consolidating non-financial KPIs from relevant teams.
• Prepare segment-wise profitability and cash flow analysis of Strategic Business Units (SBUs) for effective control.
• Assist in the preparation of planning-related presentations and reports by liaising with finance and non-finance stakeholders, and ensuring timely collection of inputs.

Manager, Financial Planning & Analysis

Corporate Office - Pakistan

Full time

Posted Yesterday

R00029457

Lahore

The Children's Place is looking for a Manager of Financial Planning & Analysis. The candidate will be responsible for leading the monthly forecasting & annual budgeting process, operating plan variance analysis, and special projects. The Manager will also provide financial consulting and strategic support to senior leaders.

• Develop thorough understanding of the business operational functions and key revenue and cost drivers.
• Develop collaborative relationships with leaders in operating divisions, as well as in finance.
• Review forecasts and expense trends, identify issues, and develop creative solutions for expense savings opportunities.
• Influence decisions and drive change in operating processes with a focus on driving positive financial results.
• Lead the monthly forecast, annual budget, and long-range planning process in collaboration with business leaders.
• Drive process and content improvements to existing processes.
• Coordinate with FP&A team to ensure that all risks and opportunities are communicated to key team members and senior leadership.
• Develop, prepare, and present divisional financial and operating performance metrics to senior leadership.
• Mentor team members to provide value-added management reporting, decision support, and financial analysis.

• The ideal candidate will have a BS in Accounting or Finance. An MBA and/or CPA is a plus.
• 5-10 years of total experience, including experience in Financial Planning & Analysis.

• Experience in the retail industry is highly desirable.
• Budgeting, forecasting, and strong analytical skills.
• Experience in financial reporting and presenting to Senior Management.
• Excellent written and verbal communication skills.
• Attention to detail, as well as strategic perspective.
• Team player.
• SAP and Hyperion systems knowledge, along with advanced Excel skills.

Being part of our team requires collaboration and hard work. We seek top talent eager to contribute to a high-performing team!

We are proud to be the largest pure-play children’s specialty apparel retailer in North America, celebrating brands including The Children’s PLACE, Gymboree, Sugar & Jade, and PJ PLACE.

If you are eager to learn and work in a diverse, inclusive, fast-paced, and engaging environment, review our current openings and apply today!