73 Risk Manager jobs in Pakistan

Job Title: Risk Manager ManagerReporting to:MLROAlternate Reporting:CEODepartment:ComplianceLocation:Pakistan

Position Summary:
The Risk Manager will be responsible for developing, implementing, and overseeing risk management frameworks to identify, assess, and mitigate risks across ACE Money Transfer's operations. This includes financial, operational, strategic, technological, and reputational risks.

The Risk Manager will play a central role in embedding risk culture across the business, supporting new product and market risk assessments, conducting scenario analysis, and ensuring compliance with regulatory risk management standards. The role will also provide senior leadership with regular risk reporting, insights, and recommendations to ensure the company operates within its defined risk appetite.

Job Responsibilities:

• Risk Identification & Assessment
• Lead risk identification processes across all business units
• Maintain and update the corporate risk register, ensuring emerging risks are captured and evaluated
• Conduct regular risk assessments for new products, markets, and strategic initiatives
• Risk Monitoring & Control
• Oversee implementation of risk control measures and track their effectiveness
• Monitor key risk indicators (KRIs) and ensure early warning systems are in place
• Conduct stress testing and scenario analysis to assess the organization's resilience
• Enterprise Risk Framework
• Develop and maintain risk management frameworks, policies, and procedures
• Ensure alignment of the risk management program with international standards (e.g., ISO 31000, COSO ERM)
• Support the integration of risk management practices into day-to-day operations
• Reporting & Governance
• Prepare regular risk reports for the senior management, and the board
• Highlight material risks, mitigation strategies, and required management actions
• Support regulatory reporting requirements related to risk management
• Training & Awareness
• Deliver training to staff on risk awareness and risk management practices
• Promote a culture of proactive risk identification and accountability across departments
• Leadership & Coordination
• Supervise and mentor risk analysts
• Coordinate with compliance, fraud, internal audit, and operations to ensure risk oversight is comprehensive
• Lead cross-functional risk workshops and risk assessments.

Qualifications and Skills:

• Bachelor's degree in Finance, Business, Risk Management, Economics, or a related field (Master's or professional certification preferred, e.g., FRM, PRM, IRM)
• Minimum 7 years' experience in risk management within financial services, payments, or remittance industry
• Strong knowledge of enterprise and operational risk management frameworks
• Experience with risk assessment tools, data analytics, and reporting systems
• Excellent analytical, problem-solving, and decision-making skills
• Strong communication and presentation skills, with ability to influence senior stakeholders
• Ability to work independently and manage multiple priorities under tight deadlines
• Proven leadership and team development skills

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Key Responsibilities

• Assist in the identification, documentation, and assessment of operational risks across business units.
• Support the execution of Risk and Control Self-Assessments (RCSA), Incident Management, and Key Risk Indicator (KRI) tracking.
• Help maintain and update risk registers and dashboards using PRISM (RSA-Archer).
• Participate in control testing and validation exercises under supervision.
• Contribute to the preparation of risk reports and presentations for internal committees.
• Coordinate with cross-functional teams to gather data and insights for risk assessments.
• Assist in documenting Standard Operating Procedures (SOPs) and policy updates.
• Assist in executing the TPRM lifecycle process and organize trainings.

Qualifications & Skills

• Bachelor's degree in Business Administration, Finance, Economics, Risk Management, or a related field.
• 0–2 years of experience in risk, compliance, audit, or related functions (internships included).
• Strong analytical and problem-solving skills.
• Proficiency in MS Excel, PowerPoint, and Word; familiarity with risk systems is a plus.
• Excellent communication and interpersonal skills.
• Ability to work collaboratively in a fast-paced environment.
• High attention to detail and integrity in handling sensitive information.

Learning & Development Opportunities

• Exposure to the full lifecycle of operational risk management within an internationally leading financial institution.
• Hands-on experience with PRISM (RSA-Archer) and Oracle Fusion tools.
• Mentorship from senior risk professionals and participation in internal training programs.
• Opportunity to contribute to strategic risk initiatives and regulatory projects.

Job Type: Full-time

Education:

• Bachelor's (Preferred)

Location:

• Karachi (Preferred)

Work Location: In person

Yousuf Adil, Chartered Accountants is seeking an experienced and motivated
Manager – Risk Advisory
to join our dynamic team. This is an excellent opportunity to advance your career in a progressive, high-impact role within one of Pakistan's leading professional services Firms.

Key Responsibilities:

• Lead and manage Risk Advisory engagements, including Internal Audit, Risk Assessments, and Compliance Reviews.
• Design and implement internal control frameworks across diverse industries.
• Review and assess internal processes and recommend improvements for operational efficiency and risk mitigation.
• Engage directly with senior client stakeholders, providing strategic insight and value-added recommendations.
• Supervise, train, and mentor junior team members to ensure high-quality deliverables.
• Ensure compliance with regulatory requirements and professional standards.
• Prepare and present comprehensive reports to clients and internal stakeholders.

Requirements:

• Qualification:
  CA, ACCA, CMA Qualified.
• Experience:
  Minimum 5–7 years in Risk Advisory, Internal Audit, or related fields, preferably with a reputed consultancy firm. Big 4 Firm Experience is a plus.
• Proven ability to manage multiple projects.
• Strong analytical, communication, and leadership skills.
• Proficiency in risk frameworks and familiarity with ERP systems is a plus.

Why Join Yousuf Adil?

• Work with top-tier clients across various industries.
• Be part of a globally connected network of professionals.
• Opportunities for continuous learning and career growth.
• Supportive and inclusive work environment.

How to Apply?

Please send your resume to

with the subject line:

"Application – Manager Risk Advisory"

The position is responsible for conducting deeper analytics on the performance of the bank's portfolio and should be able to identify/explain trends with respect to growth opportunities and risk management.- The incumbent will maintain reports and provide visibility regarding business performance to all relevant stake holders. Preparation and analysis of portfolio and financial data and dashboard to report and monitor health of different KPIs with emphasis on developing forward looking models to pre-empitvely engage with relevant stake holders.

High degree of passion, innovative thinking, and execution discipline to coordinate with different stakeholders with respect to strategy development and implementation, process optimization and operations. Strong understanding of credit, deposit, placements/investments/Branchless Banking lifecycle especially in microfinance and digital lending space, proficient with Regulations, policies and best practices while a strong understanding of analytics, financial management and strategy.

Duties and Responsibilities:

• performing risk analysis and deep dive into bank's portfolio based on the guidance by the board, risk management policies and its approved RAF /early warning addiction.
• Conducting portfolio recon, monitoring and analyzing portfolio indicators such as non performing loans, gross loan portfolio, liquidity and deposits with finance and other stake holders.
• Compile data for reporting of early warning indicators (EWI), concentration risk framework (CF), Risk Appetite Framework (RAF) and other requirements.
• assist teams with adhoc requirements including analysis, sourcing, and deployment of dashboards of key indicators across products and services.

• risk review of investment portfolio in accordance with investment policy and defined limits.

• Incumbent shall be responsible to adhere by Bank Behaviors in all aspects of his/her work conduct.

• Ensure that a culture of risk and compliance management is implemented, and institute performance measures tied to individual risk and compliance responsibilities
• Undertake any other tasks as directed by the HOD

Education & Experience:

• 3-5 years of relevant experience
• Good communication, analytical and presentation skills
• Well versed with Microsoft office suite
• Excellent written and oral communication skills.
• Data management & Data Modeling
• Knowledge of Financial Management, Strategy and Analytics

Job Purpose

Governance · Implement and review SOP, Key Risk Indicators in line with Operational Risk framework, Business Risk policies and Risk Control Self-Assessment (RCSA). · Introduce a Risk and Governance Committee (RGC) for Business Banking to oversee the risk framework for the Business · Ensure the risks associated with new and changed products, services and business strategy are sufficiently assessed and mitigated. · Develop and manage portfolio monitoring and governance with focus on online channel usage, KYC accuracy, site visits. · Define and implement a sustainable operational process where there is direct impact on Financial, Operational, Reputational and Regulatory Risks to the Bank. · Create a Control Testing Framework in the Unit for independent validation AML Risk –KYC ongoing review and NTB documentation · Manage the KYC review process (end to end) and check KYC documents for NTB and existing customers · Complete the KYC review process for the rest of the Business Banking Portfolio (L1-L3 customers) – Act as the checker Business Operational Risk · Define and implement a sustainable operational process where there is direct impact on Financial, Operational, Reputational and Regulatory Risks to the Bank. · Act as a second line of defense for the business through regular reviews (including portfolio) and implement ongoing improvements and aim to reduce the operational and risk losses. Controls · Responsible for implementation of Risk Control Self- Assessment (RCSA) · Ensure OREs are raised by the business team where warranted · Represent the business segment in various forums like Business Risk or submission for CRMC. · Work closely with fraud and compliance teams to eliminate process gaps to reduce risk and improve controls. Project management : · Oversee end to end implementation and automation of new systems /KYC automation and any other automation initiatives related to Governance activities

Key result Areas

Governance and Operational risk · Report and highlight significant Business & Operational Risk & Governance issues in coordination with the business team

· Responsible to identify errors, incidents, losses, regulatory risks, reputational risks, financial risks and operational risks in coordination with the business team · Point of contact and key interface with internal Audit (scope and post audit closure of hazards) and Operational Risk teams, to manage the RCSA and key operational risks of the business. · Ensure RAR/RDR memos are executed by the business teams where there are process gaps and lack of adherence to banks policies and guidelines · Key business interface and build and implement a second line risk management framework that assists the business in proactive risk management · Highlight trends on process gaps, risk breaches & control failures AML Risk –KYC ongoing review and NTB documentation · Ensure KYC documents and process for L1- L3 are in line with standards as per Governance's role · Ensure that the EDD controls are complied with as per Governance's role Project management : · Participate in ongoing modification to governance related systems/ modules, where required · In new system/ functionality implementation, ensure that governance is involved from the perspective of risk assessment and whether mitigating controls have been implemented as advised via the NPPA process

Knowledge, Skills and Experience

-Candidate should preferably have prior experience of handling operational Risk, Audit & Governance Roles with atleast 8 to 10 years of working experience ·

-The candidate must have experience in handling KYC Review and other AML Risks

-Strong and relevant track record in either Audit, Compliance and Risk Management.

-Strong leadership & analytical skills.

-Ability to work under tight time constraints & pressure.

We (KPMG) are looking for a candidate with requisites listed down below:

1. Certification from a professional body (ICAP, ACCA etc.)
2. Post Article experience of minimum 7-8 Years in manager or senior manager role in a reputable firm.
3. Post Qualification experience of 4-5 years in manager or senior manager role in a reputable firm.
4. Article ship from a well reputed firm.
5. Should have relevant experience for risk advisory department including assignments such as internal audit, gap analysis, sop development, etc.

NOTE:

Salary
: Salary will be offered and declared according to your experience and expertise by the management after the final interview.

Yousuf Adil, Chartered Accountants is hiring for the position of "Assistant Manager - Risk Advisory" for its Karachi office.

Education:

CA Qualified

Experience:

4-5 years of experience in the area of internal audit (including articleship).

Interested one can apply at "" with "AM Risk Advisory" in subject line.

Job Type: Full-time

Pay: Rs1.00 - Rs2.00 per month

Experience:

• Internal Audit: 4 years (Required)

Work Location: In person

foodpanda is part of the Delivery Hero Group, the world's pioneering local delivery platform, our mission is to deliver an amazing experience—fast, easy, and to your door. We operate in over 70+ countries worldwide. Headquartered in Berlin, Germany. Delivery Hero has been listed on the Frankfurt Stock Exchange since 2017 and is part of the MDAX stock market index.

Job Description

• Perform analysis to understand Risk / Fraud behaviours, contribute to fraud detection features and models
• Build and maintain fraud rules in response to evolving fraud behaviours
• Extract insights from the large volumes of data and come up with new strategies to mitigate/stop fraudulent activities
• Work independently on fraud analytics, and the analysis of large datasets to ensure appropriate feedback is given to the model.
• Participate in monthly, quarterly, and annual business reviews for the Fraud team
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging fraud risks through a collaborative approach with stakeholders.
• Own multiple projects to enhance and optimise fraud strategy, policies, processes, systems, and tools.
• Build cross-functional partnerships with Product, Policy, Legal, Engineering teams and other teams within foodpanda to execute exceptional solutions.

Qualifications

• Bachelor's degree or equivalent practical experience
• 4 to 5 years of experience working with analytical tools and/or data analysis (e.g., SQL, Python, Business Intelligence/dashboards)
• 4 to 5 years of experience in a data-focused role such as product analytics, business analytics, business operations, or data science
• Excellence in project management, structured and logical thinking, process optimization, interpersonal communication and influencing skills
• Ability to present clear solutions with excellent attention to detail and clearly communicate technical concepts with multiple cross-regional and cross-functional stakeholders
• Ability to work through ambiguity and thrive in a rapidly changing environment
• Managed data projects from start to finish successfully independently
• Being an integral member of the Fraud team through working independently
• Building effective relationships across the business
• Ability to thrive in a fast paced environment while balancing multiple tasks/projects simultaneously
• Owning projects from start to finish based on imminent fraud behaviours

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Job Description

Visa's CEMEA Risk organization is seeking a Senior Manager to join its team to manage Digital Payment risks across Pakistan and Levant.

As the face of Risk, the senior manager's external obligation is to ensure Visa's interactions with clients, partners, merchants, and other third parties on risk related matters are well informed, effective, and collectively moving the Visa ecosystem towards a stronger state. Internally, the RM Manager's obligation is to leverage our market knowledge and presence to ensure Visa's risk related policies, programs and frameworks are aligned with current and future business demands.

Reporting directly to the Senior Director, Risk, North Africa, Levant & Pakistan (NALP), this individual contributor role requires frequent collaboration with internal stakeholders across PKL, NALP and CEMEA regions.

• Market Knowledge - Ensure deep awareness of the market(s) pulse, payment system and other risks to clients operating in each market, and the past and present tactics being deployed to mitigate these risks.
• Business Alignment - Align Visa's risk-related objectives and activities with Visa's business goals in the same area in order to maximize long term growth.
• Relationship Management - Engage key stakeholders (clients, partners, law enforcement, government and others) to secure support for Visa's goals and address identified risks.
• Thought Leadership - Differentiate Visa through out of box thinking and demonstrating thought leadership to payment system stakeholders on risk issues, pulling from local, regional, and global sources.
• Communication - Ensure strong communication and provide marketplace feedback around Visa's risk related programs and policies, and other activities

Key Responsibilities

• Develop and execute client engagement plans and materials to help clients optimize fraud performance, mitigate fraud and data compromise events, promote stronger authentication and data security, and help enforce Visa's external risk programs and policies.
• Align Visa's risk related objectives and activities with Visa's business goals in the same area to maximize long-term growth.
• Promote Visa Risk Products, Capabilities and Solutions within the assigned client's portfolio to differentiate Visa in the Payments Ecosystem
• Drive customized risk engagements and provide focus to key clients, fintechs, merchants, and emerging payment stakeholders.
• Deliver client engagement plans and materials to help clients optimize fraud performance, determine the type and frequency of engagements.
• Provide Risk analytics support for the markets supported for existing clients & other stakeholder engagements.
• As a risk expert, the role will collaborate with Central Europe, Middle East and Africa (CEMEA) Risk team members, client account executives, Merchant Sales and Acceptance (MS&A), Visa Rules, Visa Consulting and Analytics (VCA), Data scientists, Product leaders and Visa Ethics & Compliance to deliver innovative risk strategies, fraud reduction opportunities and payment system intelligence.
• Lead ad-hoc projects in support of overall risk and corporate initiatives.
• Participate in market forums (e.g. clients, law enforcement, regulators, industry participants), and drive consumer awareness campaigns of payment system stakeholders to drive greater awareness and support for Visa's payment system risk strategy.
• Be the point of reference in all risk related engagement with regulatory and industry bodies.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Qualifications

Basic Qualifications

• Experience in managing fraud risk, transaction monitoring operations and suspicious transaction review.
• Experience with the credit risk landscape across the credit lifecycle.
• Good understanding of and experience with acquiring risk with hands on application experience improving the acquiring risk posture of an entity.
• Good understanding of illegitimate transaction flow typologies, root causes, and key signs.
• Managed third party risk assessment, responsibility for evaluating risk controls, and reviewer of risk control reporting in the organization.
• Self-starter with excellent communication skills, both oral and written.
• Ability to drive results with multiple stakeholders and cultivate strong and trusted relationships with internal stakeholders, clients, partners, and regulators.

Preferred Qualifications

• Bachelor's degree (post-graduate qualifications preferred) with 7+ years of progressive experience working in the payment services or financial industry.
• Strong understanding of Digital Payment risks and current and emerging payment system risk trends across Middle East & Africa.
• Experience in managing fraud risk, transaction monitoring operations and credit operations.
• Ability to influence at mid to senior levels both internally and externally.
• Excellent written, oral and presentation skills and an ability to synthesize complex and technical information into clear recommendations on course of action.
• Detail orientation and strong analytical skills, willingness to think outside the box to offer new ways to approach old problems.
• Ability to identify and pursue multiple initiatives simultaneously and deliver superior results.
• Experience determining when to escalate to management and identify the right stakeholders for decision making.
• Excellent collaboration and communications skills with experience in influencing, communicating and driving change through cross functional groups, including the ability to build consensus across disparate views.
• Positive, proactive, solution-oriented problem solver who gets things done within a matrix organization.
• Experience in preparing, reviewing, and delivering (concise) management level communications.
• Strong data analysis and problem-solving skills with demonstrated intellectual & analytical ability to summarize raw data to tell a simple story supported by data to management and partners.
• Self driven professional with a vision and passion to continuously raise the benchmark for self and the broader team.
• Strong attention to detail and achieving results, with an emphasis on being naturally curious and committed.

Additional Information

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.