Senior Analyst – Innovative Lending Program

Report to: Associate/ Senior Associate Credit
Location: Islamabad
Application deadline for the position is February 4, 2021

About Us

Karandaaz believes that every Pakistani deserves to be Financially Included and Economically Empowered. Our Mission at Karandaaz is to Foster economic growth and create jobs through financial inclusion of unbanked individuals and unserved enterprises.

Karandaaz Pakistan is a not-for-profit organization, based out of Islamabad, registered with the Securities and Exchange Commission of Pakistan under Section 42 of the Companies Act 2017. We are supported by Foreign, Commonwealth & Development Office (FCDO) and Bill and Melinda Gates Foundation (BMGF). Karandaaz is governed by an eminent board who set the strategy of the organization and steer it towards achievement of its objectives. Karandaaz Capital aims to support the development of a market for Micro, Small and Medium Enterprise (MSME) financing by deepening access to growth capital for MSMEs that will result in the generation of broad-based employment in Pakistan and financial returns for Karandaaz. We make investments that are categorized into three buckets: Private Equity Investments, Debt Financing of SMEs and Investment in Strategic Financial Platforms that spur development of financial market for MSMEs in Pakistan.

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


  • Bachelor’s or equivalent degree, specialization in finance preferred including CFA
  • 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) 

Culture and Values at Karandaaz

Karandaaz Culture is guided by our values of Innovation, Collaboration, Accountability, Respect and Equity (ICARE). These values shape our choices on what we do and how we do it, both with colleagues internally and partners externally. We also believe that we are all responsible for creating a great place to work and are constantly looking to hire individuals who bring the same level of passion and commitment to the purpose of the organization.

If you believe in Karandaaz vision and values and feel excited about the work we are offering, please send us your application for this position to clearly mentioning the position title in the subject line. We will be accepting submissions till 4th February, 2021

Karandaaz is an equal opportunity employer.  Women and people with disabilities and encouraged to apply.

Copyrights © 2024 Karandaaz Pakistan
Non-profit company registered under Section 42 of the Companies Act, 2017