34 Risk Analyst jobs in Pakistan

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

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.

Oaktree is a leader among global investment managers specializing in alternative investments, with over $200 billion in assets under management. The firm emphasizes an opportunistic, value-oriented and risk-controlled approach to investments in credit, private equity, real assets and listed equities. The firm has over 1400 employees and offices in 25 cities worldwide.

We are committed to cultivating an environment that is collaborative, curious, inclusive and honors diversity of thought. Providing training and career development opportunities and emphasizing strong support for our local communities through philanthropic initiatives are essential to our culture.

For additional information please visit our website at

.

Responsibilities

The Reporting & Performance ("R&P") department is responsible for delivering best-in-class, technology-enabled analyses and reporting to Oaktree's current and prospective investors, and portfolio management professionals globally. The Associate or Analyst will serve as a subject matter expert on the instruments and markets Oaktree participates in with an emphasis on closed-end and evergreen strategies (for example, Private Credit, Opportunistic Credit, Special Situations, Real Estate). The incumbent will work closely with deal teams and our middle and back office to ensure investment transactions accurately reflect their economic substance, in accordance with booking guidelines. The incumbent will work with cross-functional business partners to continually enhance the data (quantitative and qualitative), processes, and technology underpinning investment performance, which forms a critical part of our investor reporting and fundraising collateral.

Responsibilities include:

Analysis & Reporting

• Develop analyses and reports related to the positions and portfolios across different Oaktree strategies on a recurring and ad hoc basis;
• Updating and maintaining investment-level track records (IRR and MOIC) across different Oaktree strategies on a quarterly basis as well as other custom track records supporting fundraising across strategies;
• Understand and respond to quantitative inquires related to strategic and capital raising initiatives, leveraging existing reports and developing bespoke analyses to ensure efficient, timely and successful completion;
• Master in-house system technology to learn to source data and create new data extracts to efficiently respond to data requests; and
• Serve as the subject matter expert on assigned strategies and resource to organizational partners, as well as investment performance internally and to organizational partners globally.

Technology Enablement

• Utilize Python, SQL and/or data visualization tools (e.g., Power BI) to manage and manipulate large data sets, and create standardized reports or dashboards;
• Support the implementation of process changes, automated reports and technology systems to generate standard and recurring investor reporting as well as dynamic performance and portfolio metrics and insights; and
• Leverage reporting and systems knowledge to help gather and documents implementation requirements.

Partnership & Innovation

• Collaborate with organizational partners to produce and advance R&P deliverables: Investment/Portfolio Management, Product Specialists, Investor Relations, Marketing and business development, Accounting, IT, and Compliance;
• Evolve strategy and portfolio reporting suite in response to new strategies, and investor needs; and
• Support strategy-level tactical projects through collaboration with other team members and key stakeholders.

Qualifications

• 3+ years of experience at an asset management company, investment bank or other financial services company covering private credit or private equity
• Strong knowledge of credit or private equity as well as specific knowledge of relevant reporting/dashboard outputs and metrics including performance reporting, risk metrics and portfolio characteristics
• Experience utilizing Python, SQL and/or data visualization tools (e.g., Power BI) to drive data analysis and reporting
• Outstanding verbal and written communication skills to work with cross-functionally and at all levels internally
• Basic understanding of accounting principles and concepts

Personal Attributes

• Outstanding initiative, ability to operate independently on short- and long-term goals as well as a strong work ethic
• Ability to take on a task/project and "run with it" to conclusion
• Excellent interpersonal skills with the ability to leverage firm wide resources in an effective and judicious manner
• Extremely detail-oriented, careful and a natural problem solver; have the resolve to independently research problems and offer solutions
• Organized and able to manage multiple projects with differing priorities to meet deadlines
• Team-oriented as well as strong integrity and professionalism
• Ability to serve as a change agent with a focus on innovation
• Passion for improving systems and processes

Education

Bachelor's degree required. Chartered Accountant license and/or CFA/CIPM a plus.

Equal Opportunity Employment Policy

Oaktree is committed to diversity and to equal opportunity employment. Oaktree does not make employment decisions on the basis of race, creed, color, ethnicity, national origin, citizenship, religion, sex, sexual orientation, gender identity, gender expression, age, past or present physical or mental disability, HIV status, medical condition as defined by state law (genetic characteristics or cancer), pregnancy, childbirth and related medical conditions, veteran status, military service, marital status, familial status, genetic information, domestic violence victim status or any other classification protected by applicable federal, state and local laws and ordinances. This policy applies to hiring, placement, internal promotions, training, opportunities for advancement, recruitment advertising, transfers, demotions, layoffs, terminations, recruitment advertising, rates of pay and other forms of compensation and all other terms, conditions and privileges of employment. This policy applies to all Oaktree applicants, employees, clients, and contractors. Staff members wishing to report violations or suspected violations of this policy should contact the head of their department or Human Resources.

Equal Opportunity Employment Policy

Oaktree is committed to diversity and to equal opportunity employment. Oaktree does not make employment decisions on the basis of race, creed, color, ethnicity, national origin, citizenship, religion, sex, sexual orientation, gender identity, gender expression, age, past or present physical or mental disability, HIV status, medical condition as defined by state law (genetic characteristics or cancer), pregnancy, childbirth and related medical conditions, veteran status, military service, marital status, familial status, genetic information, domestic violence victim status or any other classification protected by applicable federal, state and local laws and ordinances. This policy applies to hiring, placement, internal promotions, training, opportunities for advancement, recruitment advertising, transfers, demotions, layoffs, terminations, recruitment advertising, rates of pay and other forms of compensation and all other terms, conditions and privileges of employment. This policy applies to all Oaktree applicants, employees, clients, and contractors. Staff members wishing to report violations or suspected violations of this policy should contact the head of their department or Human Resources.

For positions based in Los Angeles

For those applying for a position in the city of Los Angeles, the firm will consider for employment qualified applicants with a criminal history in a manner consistent with applicable federal, state and local law.

Description

• Release of Management Reports at dedicated frequency- All Programmes, internal and for donors, and related follow ups on actionable items;
• Review monthly income and expenditure of Schools, updated monthly reporting dashboards.
• Bank reconciliation of Fee collection account and related management reporting and circulation to Regions for corrective actions required, if any.
• Introduce new performance management reports in Power Bi, with the support of IT team;
• To liaise with relevant colleagues for ERP matters including recon, script run, closing of school company, setting up new programmes/ cost centers/ regions/ areas and changes therein, in financial system;
• To supervise such other financial operations as may be required for TCF Schools, if required, and liaise with Regional Managers/ Area Staff per requirement;
• To participate in such other (IT) projects from functional perspective as may be required- School App, School Expenses allocation etc.

Required Skills

• Experience in audit / accounting
• Experience in MIS, creating dashboards
• Experience in MGDP and Power Bi would be an added feature/ advantage
• Good interpersonal skills, and can work with divergent teams

Education

• Qualified / part qualified CA

• Qualified ACCA

• MBA from a reputable institute.

Experience

Minimum 4-5 years of relevant experience.

Description

• Release of Management Reports at dedicated frequency- All Programmes, internal and for donors, and related follow ups on actionable items;
• Review monthly income and expenditure of Schools, updated monthly reporting dashboards.
• Bank reconciliation of Fee collection account and related management reporting and circulation to Regions for corrective actions required, if any.
• Introduce new performance management reports in Power Bi, with the support of IT team;
• To liaise with relevant colleagues for ERP matters including recon, script run, closing of school company, setting up new programmes/ cost centers/ regions/ areas and changes therein, in financial system;
• To supervise such other financial operations as may be required for TCF Schools, if required, and liaise with Regional Managers/ Area Staff per requirement;
• To participate in such other (IT) projects from functional perspective as may be required- School App, School Expenses allocation etc.

Required Skills

• Experience in audit / accounting
• Experience in MIS, creating dashboards
• Experience in MGDP and Power Bi would be an added feature/ advantage
• Good interpersonal skills, and can work with divergent teams

Education

• Qualified / part qualified CA
• Qualified ACCA
• MBA from a reputable institute.

Experience

Minimum 4-5 years of relevant experience.

Job Type: Full-time

Application Question(s):

• What is your current Salary?
• What is your expected Salary?

Work Location: In person

The opportunity (Assistant Director)
As we roll out 'All In" across our firms, the PBFA function becomes even more critical to help maintain/improve profitability and provide strategic insights. The support role will be instrumental in helping the ASU PBFA Lead to carry out this role.

This role requires a finance professional offering support to the MENA ASU PBFA Lead on P&L analysis and other KPIs. The role will establish best in class support, functional expertise and reporting solutions with a particular focus on analytics and financial modelling.

Your key responsibilities:

• Develop a good understanding of the PBFA cycle in a year, along with SL performance KPIs.
• Conduct data analysis on large sets of data, to give leadership insights on performance and profitability, to drive business decisions.
• Lead in development of financial models for different scenarios to assess impacts of changing levers.
• Support Operations lead in the root cause analysis of variances and identification of possible solutions to resolve issues.
• With time, develop effective working relationships with the extended Finance team and ASU leadership team.
• Participate in various improvement initiatives and information gathering activities within PBFA space.
• Be the Go To Person for all analysis and financial modelling.

Skills and attributes for success:

• Keen to solve problems and provide a credible solution.
• Ensure delivery of exceptional client service to all stakeholders.
• Strong analytical and numeracy skills, with a high degree of accuracy and attention to detail.
• Good time management skills and able to balance multiple priorities by considering risk, importance and level of urgency.
• Eagerness to learn quickly, be proactive and ask questions.
• Well-developed listening skills.

To qualify for the role you must be:

• Willing to working in a fast-paced environment with a strong work ethic.
• Able to interact well with people at all levels within the firm and build strong relationships.
• Having strong knowledge of MS Office Packages. Excel, PowerPoint, Outlook, Power BI and Word in particular.
• Having excellent communications and organizational skills.
• Detail oriented and eager to analyze and solve complex cases
• Have a finance related degree or qualified accountant
• Have 5-7 years of relevant work experience
• Be innovative, confident and creative thinker with ability to make quick decisions.
• Willing to work in a flexible working pattern

M

inimum qualifications:
A

• t least a Bachelors with relevant certifications such as FRM preferred.
  M

inimum experience:
A

• t least 3 years' experience in a Financial Institution, preferably in a bank and in a risk management function ideally ERM or ORM.

M

inimum qualifications:
A

• t least a Bachelors with relevant certifications such as FRM preferred.
  M

inimum experience:
A

Position: Risk Management Officer

Experience: 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

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