35 Financial Risk jobs in Pakistan

Job ID: 39362

Location: Karachi, PK

Area of interest: Governance, Risk Management & Compliance

Job type: Regular Employee

Work style: Office Working

Opening date: 15 Sept 2025

Job Summary

Supporting the Head, Conduct Financial Crime Risk (CFCR), Pakistan and the Regional Head, CFCR Advisory, Coporate & Investment Banking (CIB), in managing all regulatory, conduct, financial crime and compliance risks relating to CIB in Pakistan, and managing & leading the CFCR Advisory, Pakistan team, aligning this to the vision and strategy of the function, the Enterprise Risk Management Framework (ERMF), and delegation of authority documents where relevant.

Key Responsibilities

• Drive high standards of regulatory compliance and deliver key priorities and initiatives, aligned to the Pakistan CIB performance scorecard.
• Develop a comprehensive understanding of the CIB business models and strategy in order to provide substantive oversight support and challenge in order to enable appropriate and sustainable CFCR outcomes.
• Build and maintain an effective and constructive relationship with all key business and functional stakeholders that is based on trust, capability, and integrity, providing timely, responsive and quality conduct, financial crime & compliance-related advice and guidance to enable the business and functions to meet achieve their strategic tactical objectives.
• Provide conduct, financial crime and compliance-related advice, analysis (and challenge when appropriate) in relation to CIB businesses, including product design, new business initiatives, bespoke projects, remedial activities (including nature, scale and rigour of past business reviews), and transactional advice (where relevant/required).
• Provide robust challenge to senior management and all relevant business stakeholders where activities are outside risk tolerance appetite, escalating as necessary, until appropriate oversight and ownership is achieved including actions and plans to address any remedial action needed to come back within risk tolerance appetite.
• Work closely with the business and its operational teams to provide timely advice to ensure compliance with all relevant laws and regulations and support the transition to pro-active and pre-emptive CFCR risk mitigation.
• Establish and maintain risk-based compliance frameworks and a programme for monitoring and assuring compliance that supports the transition to pro-active and pre-emptive compliance and conduct risk mitigation
• Act under delegation from the respective Risk Framework Owners for the principal risk types of Compliance, Conduct and FCC in discharging the responsibilities contained in the ERMF relating to CIB businesses to the extent that CFCR advisory is the appropriate second line risk owner.
• The role holder is not responsible for CFCR first line processes unless specifically delegated by and/or agreed with the group process owner. This includes CFCR processes operated to manage risks in CIB businesses such as name screening or transaction monitoring.
• The role holder is not responsible to ensure that CIB and CFCR process owners agree their respective hand offs, which ought to be documented in a service level agreement.
• Provide governance and oversight over the implementation of CFCR related policies and procedures relevant to CIB businesses (to enable compliance with such policies and procedures).
• Promote and embed a culture of openness, trust and risk awareness, where ethical, legal, regulatory and policy compliant conduct is the norm.
• Stimulate an environment where forward planning, prioritisation, deadline management and streamlined workflows and collaborative, inclusive yet effective and efficient work practices are the norm.
• Ensure proactive and timely identification, assessment, advice and dissemination of evolving regulatory changes/practices and associated risks, and proactive engagement in regulatory reform.
• Propose control effectiveness and efficiency improvements and simplifications where appropriate.
• Within the Group's Enterprise Risk Management Framework (ERMF), establish and maintain appropriate risk based CFCR framework for identifying, assessing, managing, monitoring, mitigating and reporting compliance (including regulatory and financial crime) risks across CIB businesses.

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.

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.

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.

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

Job Type: Full-time

Pay: Rs80, Rs100,000.00 per month

Key Responsibilities:

• Conduct credit risk assessments for new and existing clients.
• Analyze financial statements, credit data, and market conditions to evaluate repayment capacity.
• Support in setting credit limits, approving credit facilities, and monitoring exposures.
• Develop and implement credit risk models, scorecards, and stress testing where applicable.
• Ensure compliance with regulatory requirements and internal risk policies.
• Prepare detailed credit risk reports, highlighting exposures, trends, and risk mitigation strategies.
• Monitor portfolio performance, track delinquencies, and recommend corrective actions.
• Collaborate with Relationship Managers, Finance, and Legal teams to mitigate risks.
• Assist in developing and updating credit policies, procedures, and risk appetite frameworks.
• Participate in internal and regulatory audits relating to credit risk.

Qualifications & Skills:

• Bachelor's degree in Finance, Accounting, Economics, or related field (Master's preferred).
• Professional certification is a plus (FRM, CFA, PRM, CA, ACCA).
• 1-2 years of experience in credit risk, banking, or financial services (adjust for entry/senior roles).
• Strong knowledge of credit risk assessment techniques, financial analysis, and Basel regulations.
• Proficiency in MS Excel, financial modeling, and risk management systems.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication skills.
• Ability to work under pressure and meet deadlines.

Key Competencies:

• Risk Assessment & Analytical Skills
• Decision Making & Judgment
• Financial Acumen
• Attention to Detail
• Regulatory & Compliance Knowledge
• Collaboration & Stakeholder Management

Job Type: Full-time

Work Location: In person

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

Job Type: Full-time

Work Location: In person

Job ResponsibilitiesM

1. aster fundamental theories and practical methodologies of consumer credit risk management.A
2. pply statistical and machine learning techniques to analyze borrower default risks, and develop data-driven risk control models or strategies.M
3. onitor key risk indicators (KRIs), identify potential risk issues, and optimize solutions.C
4. ollaborate closely with algorithm, product, and data warehouse teams to ensure effective implementation of risk strategies.

QualificationsEdu

cation: Bachelor's degree or higher in Finance, Economics, Statistics, Mathematics, Computer Science, or related fields.Technical Skills: Proficiency in SQL, Python, and other statistical analysis tools. Solid programming capabilities.Learning Agility: Ability to quickly absorb new knowledge and adapt to fast-paced work environments.Analytical Skills: Strong logical thinking and data analysis capabilities; able to extract actionable insights from complex datasets.Communication & Collaboration: Excellent verbal and written communication skills; able to actively contribute to cross-functional teamwork.Language: Fluency in the local language and professional working proficiency in English.

Job Description

Job Title: Credit & Risk Analyst

Location: Islamabad

Department: Finance & Risk

Reports To: Manager – Credit & Risk

Position Purpose

The Credit & Risk Analyst will be responsible for assessing the creditworthiness of individuals, companies, and organizations, ensuring accurate evaluation of financial risk and effective management of the company's credit exposure. The role will support the development and implementation of credit policies and risk strategies, proactively monitor customer credit performance, and facilitate collaboration with sales, finance, and external stakeholders. This position directly contributes to maintaining healthy cash flows, minimizing bad debts, and safeguarding organizational profitability and financial stability.

Key Responsibilities

Credit Evaluation & Risk Assessment

• Analyze financial statements (income statement, balance sheet, cash flow, ratios) to assess buyers' ability to meet obligations.
• Evaluate industry trends, market conditions, and business risks to make informed credit decisions.
• Recommend approval, denial, or modification of credit applications, including credit limits, payment terms, and collateral requirements.
• Conduct thorough background checks, reviewing credit reports, payment history, and verifying customer documentation.

Monitoring & Portfolio Management

• Continuously monitor credit performance of existing customers and identify early warning signs of deterioration.
• Conduct periodic portfolio reviews and recommend corrective actions (limit reductions, withdrawals, claims, legal proceedings).
• Maintain detailed credit reports, records, and documentation of decisions.
• Handle end-to-end credit insurance portfolio: credit limit (CL) applications, cancellations, withdrawals, claims, and turnover declarations.

Stakeholder Collaboration

• Liaise with Sales, Commercial, and Business Development teams to ensure alignment of credit decisions with business objectives.
• Communicate findings, risks, and recommendations clearly to internal stakeholders.
• Coordinate daily with trade credit insurers/underwriters on customer credit limit requests, withdrawals, and claims.
• Support operations and BU finance teams in managing collections and minimizing overdue balances.

Reporting & Compliance

• Prepare credit reports and dashboards highlighting portfolio risk exposure and customer credit performance.
• Ensure compliance with internal credit policies, insurance guidelines, and regulatory frameworks.
• Contribute to credit policy development and process improvements to strengthen the organization's risk framework.
• Uphold strict adherence to compliance standards, ensuring all records and actions are audit-ready.

Teamwork & Culture

• Create a collaborative work environment, supporting teamwork and knowledge sharing.
• Act as a credit risk subject matter expert for junior finance staff and cross-functional partners.

Education & Qualifications

Required:

• Bachelor's degree in Commerce, Finance, Accounting, or related field.
• 3–6 years of experience in credit risk analysis, corporate finance, or financial services.
• Strong analytical, financial modeling, and problem-solving skills.
• Proficiency in MS Excel and financial analysis tools.
• Strong communication and stakeholder management skills.

Preferred:

• Professional certifications such as CMA, CPA, ACCA, or CFA.
• Master's degree in Finance, Risk Management, or related field.
• Working knowledge of ERP systems (D365, Oracle, Hyperion – Microsoft Dynamics preferred).
• Experience handling trade credit insurance portfolios.

Core Competencies & Skills

• Credit Risk Management & Financial Analysis
• Decision-Making & Problem-Solving
• Stakeholder Communication & Influence
• Attention to Detail & Accuracy
• Risk Monitoring & Compliance
• ERP & Reporting Systems (D365, Oracle, Hyperion)

Key Performance Indicators (KPIs)

• Risk Assessment Accuracy: Quality and accuracy of credit assessments.
• Credit Application Turnaround Time: Average time to complete credit evaluations.
• Credit Limit Compliance: Adherence to approved credit limits and policies.
• Compliance Adherence: Conformance with company credit policy and insurance guidelines.
• Customer Satisfaction: Internal stakeholder and customer feedback on credit processes.

Job Type: Full-time

Pay: Rs164, Rs270,000.00 per month

Work Location: In person