Credit Risk Manager

4 weeks ago

Lahore, Punjab, Pakistan Parwaaz Financial Services Limited Full time

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:

Lahore

Job Type:

Permanent

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.
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