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Senior Analyst – Innovative Lending Program

Employer
Karandaaz
Location
Islamabad (PK)
Salary
Competitive
Closing date
Feb 4, 2021

View more

Job Role
Business Analyst
Sector
Other
Contract Type
Contract
Hours
Full Time

Job Details

Position Summary:

Karandaaz Pakistan is seeking a Senior Analyst for the SME lending team who will be responsible analyze historical and projected financial statements, participate in commercial and financial due diligence, assessment of potential  investment opportunities, and monitoring of the borrower companies and assist in conducting pilots of innovative financing solutions for the SMEs.

The individual will be a member of the Corporate Investment and Credit (CIC) Team reporting to the Principal and will provide support in management of projects undertaken by the CIC team.

Job Responsibilities

Borrower Origination and Analysis

  • Financial analysis (historical and projections) of clients and their investments projects, recommending conditions for credit relationship
  • Supporting the CIC team in originating new clients through analysis of financial standing and credit worthiness of the potential borrowers;

Loan Proposals and Documentation

  • Preparing loan proposal and essential documents, presentations, research reports necessary to make a credit decision.
  • Participate in investments negotiations
  • Ongoing monitoring of financial situation of the clients, incl. analysis and trends in industry, external and internal early warning signals, as well as taking actions adequate to identified risks;
  • Establish and maintain quality client relationships to ensure responsive client service and to enhance new business opportunities
  • Supporting actions and processes aiming at improving credit process
  • Daily cooperating with other teams (i.e., risk, finance, procurement, monitoring and evaluation and banking partners) in order to ensure most efficient credit service for debt portfolio companies .

Team Support

  • Prepare documentation/ presentations for Karandaaz’s internal processes including creating and maintain annual work plans for Senior Management and support in internal and external audits
  • Any other task as may be required

Eligibility:

  • Bachelor’s or equivalent degree, specialization in finance preferred including professional qualification CIMA
  • Minimum of 3 years of Corporate/ Commercial/ Investment Banking experience in top tier Banks including creating financial models
  • Good knowledge of business finance and of basics of financial analysis
  • Good knowledge of Accounting regulations
  • Analytical thinking, ability to draw conclusions and present sound and independent judgement
  • Creativity and initiative in actions
  • Very good communication and team working skills
  • Effective time and tasks management, ability to set priorities and work under time pressure which may occasionally require longer hours
  • Excellent written and verbal communication skills in English
  • Excellent knowledge of IT tools used at work (MS Office, data base) 

Company

Karandaaz Pakistan, a Section 42 company established in August 2014, promotes access to finance for small businesses through a commercially directed investment platform, and financial inclusion for individuals by employing technology enabled digital solutions. The Company has financial and institutional support from leading international development finance institutions; principally the United Kingdom’s Department for International Development (DFID) and the Bill & Melinda Gates Foundation (BMGF).

The Company has four verticals:

  • Karandaaz Capital provides wholesale structured credit and equity-linked direct growth capital investments in micro, small and mid-size enterprises (MSMEs) with compelling prospects for sustainable growth and employment generation in Pakistan
  • Karandaaz Digital focuses on expanding the poor’s access to digital financial services in Pakistan by working across the ecosystem with all stakeholders including regulators, policy-makers, government departments, businesses and researchers and academics with activities arranged in four key work areas–Policy and Regulation, Seeding Innovation, Experimentation and Solutions Development, and Scale and Outreach.
  • Karandaaz Innovation manages the Innovation Challenge Fund, providing risk capital and grants to partners with an aim to generate innovative solutions to complex problems in areas of financial inclusion and entrepreneurship.
  • Knowledge Management and Communications supports the company's core financial inclusion goal by developing and disseminating evidence based insights and solutions to influence markets and the financial ecosystem.
Company info
Website

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