47 Financial Risk jobs in Pakistan

We provide microfinance services with a focus on empowering women from low-income communities in Pakistan. Some of the key services and milestones include: Our initiatives have played a pivotal role in promoting financial inclusion, gender empowerment, and sustainable microfinance practices in Pakistan.

Description :

Associate Consultant. Financial and Risk Advisory

Job Title: Associate Consultant. Financial and Risk Advisory

Industry: Microfinance Bank

Location: Lahore

Job Type: Full-time (Permanent)

Working Hours: 9:00 Am to 5:00 Pm

Working Days: Mon to Fri (Sat & Sun off)

Job Description:

• Develop organizational and development-level risk registers and assist Chief Risk Officer in developing mitigation strategies in co-ordination with process owners to eliminate residual risk.
• Conduct regular monitoring of implementation of control recommendations.
• Monitor key risk indicators on regular basis including review of internal dashboards and industry data.
• Conduct trend analysis of risk indicators to identify anomalies and unusual patterns and develop heat maps.
• Assist Chief Risk Officer to prepare presentations for the management and Board Risk Committee.
• Providing technical advice and guidance to the business on risk management policies, procedures and technology tools.

Required Qualification & Skills:

• MBA, ACCA, ICMA, CA Finalist.
• Minimum 5 to 7 years of experience in Enterprise Risk Management, preferably within a financial institution or professional services firm.
• Exposure to process and controls review.
• Capability to formulate compliance polices, procedures and related documents.
• Strong project management skills in Microsoft office, especially in Ms. Excel, Word, PowerPoint, Power BI
• Must have good leadership and collaboration skills.
• Strong analytical, problem solving and decision-making skills.
• Open for field travel

Other Benefits for All Roles:

• Provident Fund/EOBI
• Health Insurance
• Medical Leaves
• Paternity leaves
• Annual loan facility.
• Exceptional Learning Growth Opportunities. (We are willing to consider any ACCA with 2 years of risk advisory experience.)

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.

Some careers have more impact than others.

If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be.

HSBC is one of the largest banking and financial services organisations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

We are currently seeking an experienced professional to join our team in the role of Assistant Vice President – Credit Risk .

1. Communicate portfolio performance where Automated and Assisted Decisioning (including Scored Lending) is utilised.
2. Review First Line of Defence sampling to ensure AAD is being used correctly and decisions are in line with expectations.
3. Consult on changes to risk reporting procedures to enable relationship managers to better manage credit risk within their areas of responsibility.
4. Continuously reassess the operational risk inherent within Credit Risk, considering economic or market conditions, legal and regulatory requirements, operating procedures, management restructuring, and the impact of new technology.
5. Adhere to and demonstrate adherence to internal controls as stated within policy (refer to the AAD policy).
6. Provide MI and other reports to keep relevant RMMs and stakeholders fully informed of segment performance. Use MI to monitor the efficiency of credit management processes where AAD is utilised.
7. Consider regulatory requirements within the Small and Medium Enterprise arena.
8. Monitor compliance with AAD procedures and report non-compliance to local line management as appropriate.
9. Collaborate with key stakeholders, including the CMB UK leadership team, CMB Product teams, and Group Risk Analytics (GRA), regarding automated and assisted decisioning.

Pakistan

Credit Policies & Procedures

• Developing credit policies & procedures in consultation with all stakeholders, along with timely review & updation of the same.
• Supporting business units in development of Target Markets & Risk Acceptance Criteria (RAC). Providing input into evaluation of new products & product programs.
• Timely review of Global Risk Appetite Statement along with monitoring against approved thresholds, and its periodic reporting to the Senior Management, and BRMC.
• Reviewing memos prepared for SBP and providing input where business has sought any relaxation / waiver / deferral to any regulatory requirement.
• Providing guidance / interpretation of policies / procedures to stakeholders viz, Business, Risk, CAD, BRR / Audit etc.
• CRM coordination as CRC for Risk Function, and updation of compliance status. Circulation of regulatory guidelines / revisions in regulations received and its tracking for CRM.
• Quarterly reporting of Lending Survey to SBP, and any coordination for adhoc surveys.
• Attending adhoc requirements by ADB, IFC, McKinsey, PwC, RBS Framework, AFFCO etc for various projects in progress.
• Coordinating for IRCR project led by PwC / ERM team to provide relevant update / validation.
• Regularly reviewing and streamlining comprehensive credit portfolio reports for submission to senior management committees and Board Risk Management Committee.
• Overseeing arrangement of source information/ MIS for the portfolio reports, and streamlining this information/ processes for developing the reports.
• Capital Planning for assessing Segment Level Portfolio / RORAC% position vis-à-vis Revenues, RWA & Capital Consumption.
• Reporting of Foreign Trade Due Diligence to CRMC.

Risk Appetite Reviewing & Monitoring

• Regularly reviewing, refining, and monitoring the bank’s risk appetite and ensuring periodic submission to the senior management and Board Risk Management Committee for review.
• Internal Capital Adequacy Assessment Process (ICAAP)
• Regularly reviewing and proposing the ICAAP of the bank ensuring accuracy, documentation, and monitoring of the same.

BRMC Meetings

• Overseeing preparation of agenda files/ papers for the BRMC meetings.
• Guiding / coordinating with stakeholders on document submission as per Corp Office requirements
• Reviewing memos requiring BRMC / BOD approval through circulation.

Internal Audit & SBP Inspection

• Coordinating internal audit/ SBP inspection of the Risk Management function, and tracking / follow-up for timely submission of data / information.

• Master Degree
• 10+ Years of banking experience
• Good understanding of Credit Cycle / Process, and Credit Products

• Job Identification 18232
• Posting Date 07/10/2025, 10:17 AM
• Apply Before 07/22/2025, 06:59 PM
• Degree Level Masters
• Job Schedule Full time

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.