Credit & Risk Analyst (Offshore)

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