Credit Risk Management Officer

6 days ago

Karachi, Sindh, Pakistan Human Capital HR Solutions Full time 900,000 - 1,200,000 per year

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

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