15 Efu General Insurance jobs in Pakistan

Position: Risk Management Officer (Pre-Disbursement)

Experience: 1–2 Years

Location: (Onsite - Islamabad F11 Markaz)

Job Overview:

We're looking for a detail-oriented Risk Management Officer to conduct pre-disbursement assessments, verify client details, and ensure compliance with internal and NBFC standards. This role is crucial in preventing fraud, identifying potential risks, and maintaining a secure lending process.

Key Responsibilities:

• Conduct telephonic verification calls with clients before loan disbursement.
• Validate client, guarantor, and business details using approved tools.
• Assess repayment capacity and flag potential risks or discrepancies.
• Ensure compliance with SECP/NBFC policies and company credit standards.
• Collaborate with branch and compliance teams for clarifications.
• Maintain accurate records and submit regular risk assessment reports.

Skills & Competencies:

• 1–2 years of experience in risk assessment, credit verification, or NBFC operations.
• Strong analytical and decision-making skills.
• Excellent communication and client handling abilities.
• Attention to detail with sound knowledge of MS Office & risk tools.
• Integrity, professionalism, and a teamwork mindset.

What We Offer:

• Performance-based incentives & annual increments
• Provident Fund & professional growth opportunities
• Supportive and inclusive work environment

Job Type: Full-time

Pay: Rs40, Rs50,000.00 per month

Ability to commute/relocate:

• Islamabad: Reliably commute or planning to relocate before starting work (Preferred)

Application Question(s):

• What are your salary expectations?
• What is your notice period?

Education:

• Bachelor's (Required)

Experience:

• Risk Management: 2 years (Required)

Language:

• English (Preferred)

Location:

• Islamabad (Preferred)

Work Location: In person

Job title: Risk Management Expert

• Location: Hyderabad

Opella is the self-care challenger with the purest and third-largest portfolio in the Over-The-Counter (OTC) & Vitamins, Minerals & Supplements (VMS) market globally.

Our mission: to bring health in people's hands by making self-care as simple as it should be for over half a billion consumers worldwide.

At the core of this mission is our 100+ loved brands, our 11,000-strong global team, our 13 best-in-class manufacturing sites and four specialized science and innovation development centers.

Headquartered in France, Opella is the proud maker of many of the world's most loved brands, including Allegra, Buscopan, Doliprane, Dulcolax, Enterogermina, Essentiale and Mucosolvan.

B Corp certified in multiple markets, we are active players in the journey towards healthier people and planet.

Find out more about our mission to bring health in your hands at

About the job:

The RME is responsible for developing global risk management strategies to optimize benefit-risk profile, for submission dossiers or marketed products with emerging safety risk(s), in coordination with relevant functions, developing corresponding RMP document.

The SRME collaborates with Global safety leads/ managers and other stakeholders for the strategic design and planning of the Risk Management activities.

Main responsibilities:

• Accountable for risk management strategy to safeguard product safety profile and patient safety including risk management of the product.
• Lead any RMP (Risk Management Plan) Project from A to Z (initial submission, update)
• Handlle any HA (Health Authority) request regarding RM (Risk Management) activities
• Leading Working groups on Risk minimization strategies
• Collaborate with Medical and regulatory for their input in RM activities
• Coordinates administrative tasks and RMP documents (i.e., setting up the bibliographic references, list of abbreviations, document formatting, integration of comments, etc.) until final publishing by Operations department
• Responsible for RMP Quality Control (QC)
• Supports in authoring of parts and/or modules and/or sections of RMP document, preparation of annexes, RMP transferring from any previous old format into current new format/template, combination of 2 separate RMPs into one single RMP document
• Responsible for drafting and management of the minutes for the RMP meetings (such as submission Task Force, Kick Off Meeting (KOM), RMP draft consolidation meeting, or GRM-SG (Global Risk Management Supervision Group) as needed) and related to all the documents listed.

About you:

Education:

Preferred health care discipline degree in modern science: Master's in pharmacy, Master of Health Science, Physician Assistant, BDS etc.

Experience:

• Minimum of 7 years of experience in pharmacovigilance or drug safety.
• Experience in consumer healthcare, pharmaceuticals, or related industries is preferred.
• Strong knowledge of global PV regulations and guidelines (e.g., FDA, EMA, ICH) and risk management process and related tools.
• Proven track record of mentoring a team of PV professionals.
• Excellent networking and collaboration skills to interact transversally with numerous functions involved in risk management-related activities.

Required Skills:

• Ability to communicate complex medical clinical and pharmacovigilance issues and analysis orally and in writing.
• Strong analytical and problem-solving skills.
• Ability to work collaboratively in a cross-functional team environment.

Why us?

At Opella, you will enjoy doing challenging, purposeful work, empowered to develop consumer brands with passion and creativity. This is your chance to grow new skills and be part of a bold, collaborative, and inclusive culture where people can thrive and be at their best every day.

We Are Challengers.

We are dedicated to making self-care as simple as it should be. That starts with our culture. We are challengers by nature, and this is how we do things:

All In Together: We keep each other honest and have each other's backs.

Courageous: We break boundaries and take thoughtful risks with creativity.

Outcome-Obsessed: We are personally accountable, driving sustainable impact and results with integrity.

Radically Simple: We strive to make things simple for us and simple for consumers, as it should be.

Join us on our mission. Health. In your hands.

Two Separate roles

SAP Agriculture Commodity Management and SAP Commodity Risk management skill set.

SAP Global trade management and SAP treasury and risk management skillset.

Roles require around 5 to years of experience

Company Description

Bank AL Habib, established in October 1991, strives to embody high standards of integrity and farsightedness in all its banking operations. The bank places a strong emphasis on the trust reposed in it by its customers. Known for its dedicated customer service and reliable financial solutions, Bank AL Habib continues to enhance its operations to meet evolving market needs.

Role Description

This is a full-time on-site role for a Risk Management Analyst located in the Karachi Division. The Risk Management Analyst will be responsible for identifying, analyzing, and mitigating risks associated with the bank's operations. Day-to-day tasks include conducting risk assessments, preparing risk reports, collaborating with different departments to implement risk management strategies, and ensuring compliance with regulatory requirements.

Qualifications

• Strong Analytical Skills and Risk Analysis capabilities
• Finance knowledge and experience
• Proficiency in Statistics
• Excellent Communication skills, both written and verbal
• Bachelor's degree in Finance, Business, or a related field
• Detail-oriented with strong problem-solving abilities
• Experience in the banking industry is a plus

Job Title:
Credit Risk Management
Officer

Location:
Karachi

About the Role:

We are seeking a motivated and detail-oriented Officer – Credit Risk Management to join our dynamic team. The role involves analyzing financial statements, preparing reports, and ensuring effective risk assessment to support business decision-making.

Key Responsibilities:

Analyze and interpret financial statements to assess credit risk.

Prepare clear, concise, and accurate reports.

Utilize MS Office tools effectively for analysis and reporting.

Collaborate with cross-functional teams to ensure efficient risk management practices.

Add value through innovative ideas and effective teamwork in a diverse environment.

Educational Qualification:

ACCA or a Bachelor's degree in Business Administration, Accounting, or Finance from a recognized institute.

Experience:

1 to 2 years of relevant work experience in credit risk, finance, or related job responsibilities within a financial institution.

Job title: Benefit-Risk Management Expert

• Location: Hyderabad

Opella is the self-care challenger with the purest and third-largest portfolio in the Over-The-Counter (OTC) & Vitamins, Minerals & Supplements (VMS) market globally.

Our mission: to bring health in people's hands by making self-care as simple as it should be for over half a billion consumers worldwide.

At the core of this mission is our 100+ loved brands, our 11,000-strong global team, our 13 best-in-class manufacturing sites and four specialized science and innovation development centers.

Headquartered in France, Opella is the proud maker of many of the world's most loved brands, including Allegra, Buscopan, Doliprane, Dulcolax, Enterogermina, Essentiale and Mucosolvan.

B Corp certified in multiple markets, we are active players in the journey towards healthier people and planet.

Find out more about our mission to bring health in your hands at

About the job:

The BME is responsible for leading the development of Structured Benefit-Risk assessment (B/R) models in close collaboration with stakeholders from other functions (e.g., pharmacovigilance, pharmacoepidemiology, medical, regulatory, statistics, clinical operations, affiliates).

Main responsibilities:

• Advise on qualitative and quantitative B/R methodology and data sources; advise methods for collecting and incorporating external stakeholders' preferences (e.g., patients and physicians)
• Perform qualitative and quantitative B/R assessments in collaboration with other stakeholders
• Performs studies to collect external stakeholders' preference and incorporate the preference (weight) into B/R evaluation (e.g., physicians, patients)
• Prepare reports and communications of B/R evaluations
• Prepare responses to questions from health authorities related to quantitative B/R assessment
• Liaise with the other pharmaceutical companies and industry associations regarding collaborative studies as needed (e.g., for products with multiple market authorization holders)
• Management of data needed for the B/R model
• Identify data sources relevant for the questions being investigated and determine efficient data collection and analysis approaches that are suitable for the B/R model
• Perform additional analysis in RWE platform if needed
• Be a recognized Benefit-Risk Expert both internally and externally
• Be a point of contact and expert for B/R assessment in the company, notably for other functions such as Pharmacovigilance, Pharmacoepidemiology, Clinical development, Biostatistics, Clinical operations, Regulatory Affairs, Medical Affairs, Real-world evidence
• Keep abreast of changes in the regulatory, medical, scientific environment with respect to B/R practices and guidelines
• Participate in internal or external working groups on Benefit-Risk evaluation for process improvement, innovative methods development, and policy shaping

About you:

Education:

Preferred health care discipline degree in modern science: Master's in pharmacy, Master of Health Science, Physician Assistant, BDS etc

Experience:

• Minimum of 7 years of experience in pharmacovigilance or drug safety.
• Experience in consumer healthcare, pharmaceuticals, or related industries is preferred.
• Strong knowledge of global PV regulations and guidelines (e.g., FDA, EMA, ICH) and benefit-risk management process and related tools.
• Proven track record of mentoring a team of PV professionals.
• Excellent networking and collaboration skills to interact transversally with numerous functions involved in benefit-risk management-related activities.

Required Skills:

• Ability to communicate complex medical clinical and pharmacovigilance issues and analysis orally and in writing.
• Strong analytical and problem-solving skills.
• Ability to work collaboratively in a cross-functional team environment.

Why us?

At Opella, you will enjoy doing challenging, purposeful work, empowered to develop consumer brands with passion and creativity. This is your chance to grow new skills and be part of a bold, collaborative, and inclusive culture where people can thrive and be at their best every day.

We Are Challengers.

We are dedicated to making self-care as simple as it should be. That starts with our culture. We are challengers by nature, and this is how we do things:

All In Together: We keep each other honest and have each other's backs.

Courageous: We break boundaries and take thoughtful risks with creativity.

Outcome-Obsessed: We are personally accountable, driving sustainable impact and results with integrity.

Radically Simple: We strive to make things simple for us and simple for consumers, as it should be.

Join us on our mission. Health. In your hands.

Department & Function:
Finance

Position:
Manager Enterprise Risk Management

Location:
Islamabad

Reporting to:
Deputy Director Finance

Job Type:
Permanent

Job Purpose:

• The role monitors the effectiveness of internal controls and ensures they remain aligned with evolving business needs, regulatory requirements and CMCC guidelines. Works closely with relevant stakeholders to implement remediation actions, ensuring that Financial and operational risks are adequately managed.

Job Responsibilities:

• Own the ERM & Internal Controls policy, framework, and risk appetite statement aligned with ISO 31000 and COSO ERM & Internal Controls, tailored to company-specific risks.
• Embed risk culture through training, guidance notes, playbooks, and business partnering.
• Drive enterprise risk assessments (ERAs) at corporate, functional, and project levels.
• Maintain and update the inventory of internal controls (ICMs) applicable for CMPak after benchmarking them with Group company (CMCC).
• Test the ICMs on periodic and on requirement basis and reporting the results to the management and the Group company.
• Preparation of annual company level risk management plan and development of controls to mitigate the risks.
• Monitor and report the risk on monthly basis in monthly operational meeting with the management.
• Develop early risk warning mechanism encompassing the whole organization and providing regular monitoring reports.
• Maintain an enterprise risk register with risk owners, treatment plans, timelines, and residual risk ratings using qualitative and quantitative techniques.
• Continuous regular coordination with head of departments on matters ranging from providing risk management process understanding and internal controls implementation guidelines for the strategic alignment of all company-wide initiatives.
• Assist in identification of new risks by periodically reviewing financial statements, management reports and industry situation etc.
• Assess the effectiveness of management actions provided by the concerned Risk & Control Owners.
• Ensure effective execution of ERM processes relating to all relevant projects as per applicable policies / procedures
• Support to ensure effective implementation of ERM & Internal Controls Policy and Framework Assisting testing of compliance with applicable Policies and Procedures.
• Conduct researches on regular basis regarding developments in the field of risk management and getting those implemented
• Prepare various templates/tools/forms etc. for supporting various steps in Risk Management process

Education

• CA, CIA, ACCA, ACMA. In addition,Risk related certifications will be a plus.

Work Experience:

• At-least 8-10 years of total and 5-6 years of relevant work experience in the area of Enterprise Risk Management & Internal Controls. Experience of Telecommunication Industry will be preferred.

Requirements:

Qualification: ACCA / Bachelors' Degree in Business

Experience: 1-2 years (Relevant Experience in Financial Institution)

Responsibilities; Good understanding of analyzing financial statements

Skilled in report writing

Location: Karachi

Job Type: Full-time

Pay: Rs80, Rs100,000.00 per month

Job Title: Officer – Credit Risk Management

Location: Karachi

About the Role:

We are seeking a motivated and detail-oriented Officer – Credit Risk Management to join our dynamic team. The role involves analyzing financial statements, preparing reports, and ensuring effective risk assessment to support business decision-making.

Key Responsibilities:

Analyze and interpret financial statements to assess credit risk.

Prepare clear, concise, and accurate reports.

Utilize MS Office tools effectively for analysis and reporting.

Collaborate with cross-functional teams to ensure efficient risk management practices.

Add value through innovative ideas and effective teamwork in a diverse environment.

Educational Qualification:

ACCA or a Bachelor's degree in Business Administration, Accounting, or Finance from a recognized institute.

Experience:

1 to 2 years of relevant work experience in credit risk, finance, or related job responsibilities within a financial institution.