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consultant in credit digitalization Jobs in Cairo

consultant in credit digitalization

credit analyst

Fawry MSME Finance

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 Analyze SME credit applications and evaluate borrowers&rsquo; financial performance, repayment capacity, and business stability.
 
 
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 Prepare comprehensive credit memos summarizing financial, business, and risk assessments for each applicant.
 
 
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 Spread financial statements (balance sheet, income statement, and cash flow) accurately into the credit system or model to assess ratios and trends.
 
 
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 Ensure all required documentation is complete before submission to the Risk Department for approval.
 
 
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 Coordinate with Relationship Managers to collect missing information or clarifications needed for case finalization.
 
 
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 Review client background checks, I-Score reports, and bank statements to validate data consistency.
 
 
 
 
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 Requirements
 
 
 
 &middot; Bachelor&rsquo;s in Finance, Economics, or related field.
 
 
 
 &middot; 2-4 years of experience in credit risk, ideally in SME.
 
 
 
 &middot; Excellent analytical, reporting, and communication skills.
 
 
 
 &middot; Proficiency in Excel and risk modeling tools.
 
 
 
 
 
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SME Credit Analyst

FlapKap

<div>
 
 What is FlapKap ?
 
 
 
 We are the financial growth partner for the small and medium-sized businesses in the Middle East and Africa. We support our merchants to overcome their cash constraints by financing their working capital and ensuring their growth without losing equity.
 
 
 For more info, check our feature on Forbes.
 
 
 
 Why FlapKap?
 
 
 
 FlapKap is a fast, smart, collaborative and first of a kind startup that aims to disrupt the financial industry in the MENA region. We are backed by QED, BECO Capital, A15, Outliers, and Nclude with a total financing of over $40m USD. FlapKap offers a safe environment with a welcoming atmosphere to creativity and innovation. Everyday there are new challenges and significant achievements that make everyone charged, excited and proud to belong.
 
 
 
 Description:
 
 
 
 FlapKap, a leading financial growth partner for digitally-native businesses in the Middle East and Africa, is seeking a motivated and dynamic Financial Analyst to join our passionate team. As a Financial Analyst, your role will be to push the boundaries and capabilities of our credit-scoring engine and modules. You will be responsible for conducting financial analyses, improving existing processes, and innovating in finding other alternative scoring techniques and methods. The Financial Analyst will work with different teams (i.e., technology and commercial) to build an engine that continuously monitors and decreases FlapKap's cost of risk.
 
 
 
 Job Description
 
 
 
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 Analyze and verify financial statements, Bank statements and other relevant information to assess the creditworthiness of a merchant
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 Credit-scoring potential merchants through building, improving and analyzing financial models
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 Forecasting client's financials and recommending appropriate financing options based on credit risk and financial needs
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 Collaborating with Tech team to help automate various processes
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 Iterating and improving on existing processes
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 Working on and improving existing templates
 
 
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 Requirements
 
 
 
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 Bachelor's degree in Finance, Accounting, Economics, or a related field (MBA or CPA/CFA a plus).
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 2-4 years of experience in financial analysis, operations, or accounting.
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 Strong proficiency in Excel (pivot tables, VLOOKUPs, financial modeling) and familiarity with ERP/financial systems (e.g., SAP, Oracle, NetSuite).
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 Excellent analytical, problem-solving, and organizational skills.
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 Strong attention to detail and ability to work under tight deadlines.
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 Effective communication and collaboration skills across teams
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 Fluent English
 
 
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 Benefits
 
 
 
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 Competitive Salaries
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 Hybrid working environment
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 Paid time off
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 Healthcare coverage
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 A highly collaborative team environment that will support your professional and personal growth
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 A culture that promotes Work-Life balance and Wellbeing
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 A culture of learning and innovation
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</div>

Senior Credit & Risk Analyst

Banque Misr

<div>
 
 
 
 Responsibilities:
 
 
 
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 Receive and review Credit Proposal Memos (CPMs) from different Business Lines either for new credit relationship, renewal, overrun, or special transactions.
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 Identifying all types of risks that surrounds the credit case, its degree and whether it is mitigated or not.
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 Preparing numerical risk rating that is divided into financial &amp; nonfinancial factors, on which our risk recommendation will be based on.
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 Preparing Credit risk memos to be presented to the Risk committee.
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 Requirements:
 
 
 
 
 -Cairo and Giza Residents only
 
 
 - Bachelor's degree from any accredited university
 
 
 -Grade: Good or higher
 
 
 -Fresh Graduates of (2023/2024/2025)
 
 
 - No Relatives at Banque Misr
 
</div>

Mid-Cap Credit Risk Analyst

Emirates NBD

<div>
 
 Emirates NBD Egypt is proud to introduce the Business Banking Academy, a specialized development program designed to prepare and empower future Business Banking Professionals.
 
 
 This program combines theoretical learning with hands-on practical experience, equipping participants with the essential knowledge, technical expertise, and interpersonal skills required to build a successful career in banking.
 
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 Program Overview:
 
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 SME&rsquo;s Credit Course Frankfurt Certified
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 Interpersonal Skills Training
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 Technical Trainings
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 Structured learning and mentorship from experienced banking professionals.
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 Exposure to real-life business banking cases and client interactions.
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 A dynamic, innovative, and inclusive work environment that supports career growth and development.
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 Job Qualifications:
 
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 Fresh graduates holding a bachelor&rsquo;s degree in business administration, Economics, Finance, Accounting, or related fields.
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 Strong communication, analytical, and interpersonal skills.
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 Passion for learning and pursuing a long-term career in Business Banking.
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 Job Description:
 
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 Monitoring closely the day-to-day work and solving the client&rsquo;s problems.
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 Collection of necessary Legal documents and financial inquires needed to prepare the Credit Proposal Memos &ldquo;CPM&rsquo;s&rdquo;
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 Coordinate with Credit Analysis Department in preparing Credit Proposal Memos &ldquo;CPM&rsquo;s&rdquo; that present the proposed Facility Package and the associated Terms and Conditions that ensure all credit risks are addressed in the CPM.
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 Follow up the implementation of the CPM till the assets are booked including fulfillment of all requested documents, collaterals, and conditions precedent through coordination between branches and Credit Analysis Department
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 Coordinate in preparation of CPMs and Ensuring that they are designed with the appropriate requested facility package and to ensure all credit risks are addressed in the CPM.
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 Address any deviation of approved package or any risks emerged before conducting the regular annual review under advice and review of Credit Analysis Department
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 Check all provided reports regularly to make sure the needed follow up / action are all fulfilled, and target dates are met.
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 Making sure to read and review all instruction memos and circulars to be aware of all procedures, rules &amp; regulations related to business
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</div>

Relationship Officer - Business Banking

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 Review and evaluate SME loan applications submitted by Loan Officers or Digital Finance Teams.
 
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 Assess borrowers&rsquo; financial profiles by analyzing income statements, balance sheets, cash flows, and other relevant documents.
 
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 Verify borrower information through phone calls, site visits, and business background checks as needed.
 
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 Analyze credit reports (e.g., I-Score, Fawry Score, transaction history) to evaluate credit behavior and risk profile.
 
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 Ensure compliance with credit risk policies, underwriting standards, and relevant regulations during the assessment process.
 
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 Provide accurate and well-justified credit recommendations to support loan approval decisions.
 
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 Maintain the confidentiality and security of all borrower data and business information.
 
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 Identify and escalate suspicious applications or fraudulent activities.
 
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 Collaborate with Loan Officers to improve application quality and ensure complete and accurate documentation.
 
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 Contribute to continuous improvement of credit underwriting processes and risk assessment tools.
 
 
 
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 Requirements
 
 
 
 
 
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 University Degree, Bachelor of Economic, Finance or commerce.
 
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 1-3 years of experience in financial analysis or credit underwriting.
 
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 Prior exposure to banking, microfinance, or SME lending is preferable
 
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</div>

SME Credit Underwriter Agent

Banque du Caire

<div>
 
 
 Job Summary
 
 
 
 Study and analyze the financial situation of current and new corporate clients and provide the necessary analytical reports to the credit management department to take the required decisions in accordance with the annual targets plan set by top management, in order to achieve objectives and increase the profitability of the credit portfolio.
 
 
 
 
 
 
 Job Description
 
 
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 Implement the annual financial target plans for all business sectors, for both existing and new clients, according to the objectives set by management, in line with credit policies, and in compliance with applicable laws, regulations, and related policies.
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 Prepare a schedule of field visits to clients in order to identify their financing needs and obtain the necessary documents to assess their financial position.
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 Prepare analytical reports for the financial statements of targeted clients and review the consolidated credit positions available at the Central Bank to determine the client&rsquo;s credit rating and the possibility of dealing with them, in order to identify the optimal structure for their credit facilities.
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 Coordinate with the Central Information Department and the client to determine the list of documents required from the client and accordingly schedule a meeting between the representative of the Information Department and the client for the purpose of defining the client&rsquo;s credit facility request.
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 Prepare credit studies and market studies for client requests in light of the bank&rsquo;s credit policy and the Central Bank&rsquo;s regulations and submit recommendations to the Credit Risk Department before presenting them to the competent credit committee.
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 Attend credit committee meetings to present and discuss the client&rsquo;s case and respond to committee inquiries.
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 Prepare contracts and client-related documents after the committee&rsquo;s approval is issued and follow up on credit in accordance with applicable procedures.
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 Coordinate with the concerned departments, the branch, and the client to facilitate credit facility utilization processes.
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 Follow up with existing clients, evaluate and prepare analytical reports, and handle credit facility renewals by reviewing clients&rsquo; utilizations to assess the achievement of targets.
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 Promote banking services to existing clients in coordination with the concerned departments, with the aim of expanding banking activities and increasing profitability.
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 Job Qualifications
 
 
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 A university degree in Business Management, Banking, Finance, or a related field, or equivalent qualifications.
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 Relationship Manager: 3 to 5 years of experience in banking, including at least 2 years in credit.
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 Senior Relationship Manager: 5 to 7 years of banking experience, with a minimum of 4 years in credit.
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 Successful completion of a credit-related course is required.
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</div>

Corporate Banking Relationship Manager / Senior Relationship Manager

QNB Egypt

<div>
 
 
 Duties &amp; Responsibilities:
 
 
 
 
 
 
 1. Responsible for acquiring new corporate &amp; SME clients, opening client&rsquo;s accounts, conducting regular visits to potential clients, studying the grant of credit facilities to potential clients, funds placement, and cross selling all banks&rsquo; products to maximize profitability.
 
 
 2. Extract potential corporate customers information through publications, market surveys, studies, and any other data available to identify new potential corporate &amp; SMEs clients.
 
 
 3. Approach new Corporate &amp; SMEs clients and analyze their financial statements, investigation reports, and market &amp; competitive performance to identify inherent risks and potentials, prepare call reports, and design Facility Structure.
 
 
 4. Prepare the documentation and reports needed to assess client risk and obtain credit approval. 5. Review Credit Proposal memos according to the corporate procedures, ensuring its compliance with corporate policies and procedures.
 
 
 6. Set effective action plans to achieve the acquisition targets and targets of volumes of credit facilities as designated by the direct supervisor and Head of Dept.
 
 
 7. Meet the predefined set of KPIs including volume of new approved credit facilities and profitability for new corporate clients.
 
 
 8. Possess excellent knowledge of the bank&rsquo;s products and services to allow for the cross selling and maximization of profitability.
 
 
 9. Prepare regular reports of pipeline and action plans in order to be shared with the direct supervisor &amp; Head of Department
 
 
 10. Issue monthly reports in coordination with the Head of Corporate Credit Development.
 
 
 11. Cross sell bank&rsquo;s product for all accounts opened, to maximize account NBI.
 
 
 12. Responsible for approaching existing dormant accounts with the aim of reactivating these accounts through offering credit facilities, funds placement, and/or cross selling bank&rsquo;s products. 13. Maintain knowledge of the CBE rules and regulations governing corporate lending.
 
 
 14. Ensure the correct functioning and implementation of the Permanent Supervision, Compliance and Money Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible.
 
 
 15. Ensure the correct adoption of policies and procedures in order to guarantee that the bank business is conducted in compliance with Local Laws, Internal Rules and Regulations, as well as, International Standards.
 
 
 
 
 
 
 Job Specifications:
 
 
 
 
 
 
 
 Education:
 
 
 
 Bachelor&rsquo;s degree in business administration or commerce
 
 
 Credit course is preferable.
 
 
 
 Experience:
 
 
 
 From 0 of 3 years of relevant Banking experience.
 
 
 
 Skills:
 
 
 
 Credit knowledge
 
 
 Communication Skills
 
 
 Excellent Computer Skills
 
 
 Excellent Analytical, Research, and Innovational Skills
 
 
 Presentation Skills
 
 
 Excellent persuasive selling techniques.
 
 
 Meeting job requirements and deadlines efficiently Compile all parts of assigned work with accuracy and precision.
 
 
 Fluency in English
 
</div>

Corporate & SMEs Relationship Manager

Explore 93+ Credit analyst in Cairo this November. Find roles across top companies and apply now to boost your career.