you can do CFA what, ACCA for people who wants to focus in accounting

doing audit you only need to work hard, not work smart hence it guarantees a certain level of experience that you can carry with you

i think you are worrying too much

if the job industry is not competitive, it means the job itself is regular, repetitive. So if you are not wanting to improve yourself you may face the problem where you may face the risk of being eliminated

but i can point a rather straightforward road - u go to audit, u get bonded for 4 years for your ACCA, by the time 4 years passed you are already at least a AM, you jump out to commercial, u take a small manager role whereby your salary can be close to 8k in KL, then life just goes on as you climb the corporate ladder