77 Credit Management jobs in Pakistan

Company: 31 Green Ltd
Position: Credit Analyst
Job Type: Full Time
Experience: 4-6 years

About Us:

31Green is building out the team for an innovative digital finance platform focused on secured sharia compliant financing . It’s a fast-growing business that’s changing how people access property-backed investments making the process faster, more transparent, and accessible for both investors and customers.

The platform combines smart tech with real estate and financial expertise to create a simple, secure experience for anyone looking to finance or invest in property-backed deals. We're helping shape a future where real estate finance feels modern, fair, and user-friendly and we’re looking for people who want to be part of that journey.

About the Role:

We are looking for a results-driven Credit Analyst with a strong background in financial analysis and credit evaluation to join our growing Business Origination team. In this role, you will work closely with our Business Origination team to evaluate financing requests. You will be instrumental in driving the growth of our financing activities ensuring we back the right deals.

Key Responsibilities:

• Collate all relevant information that will inform credit and deal evaluation.
• Conduct financial due diligence including in-depth analysis of data supplied by potential customers and understanding relevant real estate market conditions.
• Draft findings in the form of credit papers with preliminary conclusions regarding credit decision.
• Support the Business Origination team to draft financing term sheets.
• Support cross-functional working with operations team to ensure processes align with strategic goals.
  
  

Required Skills & Experience:

• 4–6 years of data or financial analysis experience, preferably in fintech, financing, or investment.
• Advanced proficiency in Microsoft Office Product suite, in particular Excel.
• Strong foundation in credit analysis, financial modelling, and risk assessment.
• Exceptional analytical skills with the ability to translate data into actionable insight.
• Familiarity with UK property-backed lending and credit risk evaluation is a strong plus.
• Comfortable working in a high-growth, data-driven environment.
  
  

How to Apply:
If you meet the qualifications and are excited about this opportunity, we encourage you to apply by sending your resume and portfolio to

We look forward to hearing from you!

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.

Job Purpose:

The FP&A Associate will be responsible for data extraction, report generation, and assisting in forecasting and budgeting processes. The role requires close collaboration with various departments to enhance financial planning, improve demand forecasting, and ensure financial data accuracy for strategic decision-making.

Duties and Responsibilities:

• Lead the extraction, organization, and analysis of financial data from multiple sources to drive actionable insights.
• Develop and maintain advanced financial reports, dashboards, and KPIs to support strategic planning and decision-making.
• Provide comprehensive ad-hoc reporting and in-depth data analysis to address complex business challenges across departments.
• Partner with sales and operational teams to enhance demand forecasting accuracy and refine forecasting models.
• Analyze seasonal trends, market dynamics, and business performance to model financial scenarios, assess risks, and identify opportunities.
• Drive the development of long-term financial forecasts and strategic plans to support organizational growth.
• Evaluate supplier performance and negotiate contracts to ensure cost-effective and reliable supply chain operations.
• Work closely with the Sales and Marketing teams to develop and refine pricing strategies that maximize profitability and market competitiveness.
• Conduct profitability analysis by product, customer, and region to inform pricing decisions and business strategy.
• Partner with accounting and audit teams to ensure data accuracy, improve financial reporting processes, and maintain compliance with regulatory standards.
• Collaborate with stakeholders across the organization to align financial planning with overall business objectives.

Skills required:

• Proficiency in Microsoft Excel , Power BI , NetSuite , and SAP .
• Strong analytical and problem-solving skills.
• Ability to work with large datasets and generate meaningful insights.
• Excellent communication and collaboration skills.
• Detail-oriented with strong organizational skills

Qualifications & Experience:

• Education: MBA in Finance or equivalent.
• Certifications: CFA Level II preferred.
• Experience: Prior experience in FP&A, financial analysis, or related finance roles will be an advantage.

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.

Key Accountabilities

• 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 and strategic perspective.
• Team player.
• SAP and Hyperion systems knowledge, as well as 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!

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!

• Lead the extraction, organization, and analysis of financial data from multiple sources to drive actionable insights.
• Develop and maintain advanced financial reports, dashboards, and KPIs to support strategic planning and decision-making.
• Provide comprehensive ad-hoc reporting and in-depth data analysis to address complex business challenges across departments.
• Partner with sales and operational teams to enhance demand forecasting accuracy and refine forecasting models.
• Analyze seasonal trends, market dynamics, and business performance to model financial scenarios, assess risks, and identify opportunities.
• Drive the development of long-term financial forecasts and strategic plans to support organizational growth.
• Evaluate supplier performance and negotiate contracts to ensure cost-effective and reliable supply chain operations.
• Work closely with the Sales and Marketing teams to develop and refine pricing strategies that maximize profitability and market competitiveness.
• Conduct profitability analysis by product, customer, and region to inform pricing decisions and business strategy.
• Partner with accounting and audit teams to ensure data accuracy, improve financial reporting processes, and maintain compliance with regulatory standards.
• Collaborate with stakeholders across the organization to align financial planning with overall business objectives.
  
  
  

• Proficiency in Microsoft Excel, Power BI, NetSuite, and SAP.
• Strong analytical and problem-solving skills.
• Ability to work with large datasets and generate meaningful insights.
• Excellent communication and collaboration skills.
• Detail-oriented with strong organizational skills
  
  
  

• Education: MBA in Finance or equivalent.
• Certifications: CFA Level II preferred.
• Experience: Prior experience in FP&A, financial analysis, or related finance roles will be an advantage.