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credit risk analyst

Banque Misr

<div>
 
 
 
 Responsibilities:
 
 
 
 <ul>
 <li>
 Receive and review Credit Proposal Memos (CPMs) from different Business Lines either for new credit relationship, renewal, overrun, or special transactions.
 </li>
 <li>
 Identifying all types of risks that surrounds the credit case, its degree and whether it is mitigated or not.
 </li>
 <li>
 Preparing numerical risk rating that is divided into financial &amp; nonfinancial factors, on which our risk recommendation will be based on.
 </li>
 <li>
 Preparing Credit risk memos to be presented to the Risk committee.
 </li>
 </ul>
 
 
 
 
 
 
 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

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
 
 
 
 <ul>
 <li>
 Analyze and verify financial statements, Bank statements and other relevant information to assess the creditworthiness of a merchant
 </li>
 <li>
 Credit-scoring potential merchants through building, improving and analyzing financial models
 </li>
 <li>
 Forecasting client's financials and recommending appropriate financing options based on credit risk and financial needs
 </li>
 <li>
 Collaborating with Tech team to help automate various processes
 </li>
 <li>
 Iterating and improving on existing processes
 </li>
 <li>
 Working on and improving existing templates
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Bachelor's degree in Finance, Accounting, Economics, or a related field (MBA or CPA/CFA a plus).
 </li>
 <li>
 2-4 years of experience in financial analysis, operations, or accounting.
 </li>
 <li>
 Strong proficiency in Excel (pivot tables, VLOOKUPs, financial modeling) and familiarity with ERP/financial systems (e.g., SAP, Oracle, NetSuite).
 </li>
 <li>
 Excellent analytical, problem-solving, and organizational skills.
 </li>
 <li>
 Strong attention to detail and ability to work under tight deadlines.
 </li>
 <li>
 Effective communication and collaboration skills across teams
 </li>
 <li>
 Fluent English
 
 
 </li>
 </ul>
 
 Benefits
 
 
 
 <ul>
 <li>
 Competitive Salaries
 </li>
 <li>
 Hybrid working environment
 </li>
 <li>
 Paid time off
 </li>
 <li>
 Healthcare coverage
 </li>
 <li>
 A highly collaborative team environment that will support your professional and personal growth
 </li>
 <li>
 A culture that promotes Work-Life balance and Wellbeing
 </li>
 <li>
 A culture of learning and innovation
 </li>
 </ul>
</div>

Senior Credit & Risk Analyst

Fawry MSME Finance

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

SME Credit Underwriter Agent

<div>
 
 <li>
 
 Analyze SME credit applications and evaluate borrowers&rsquo; financial performance, repayment capacity, and business stability.
 
 
 </li>
 <li>
 
 Prepare comprehensive credit memos summarizing financial, business, and risk assessments for each applicant.
 
 
 </li>
 <li>
 
 Spread financial statements (balance sheet, income statement, and cash flow) accurately into the credit system or model to assess ratios and trends.
 
 
 </li>
 <li>
 
 Ensure all required documentation is complete before submission to the Risk Department for approval.
 
 
 </li>
 <li>
 
 Coordinate with Relationship Managers to collect missing information or clarifications needed for case finalization.
 
 
 </li>
 <li>
 
 Review client background checks, I-Score reports, and bank statements to validate data consistency.
 
 
 
 
 </li>
 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.
 
 
 
 
 
</div>

SME Credit Analyst

<div>
 <ul>
 <li>
 
 Supervise and review the analysis of SME credit applications, ensuring accurate evaluation of borrowers&rsquo; financial performance, repayment capacity, and business stability.
 
 
 </li>
 <li>
 
 Oversee the preparation of comprehensive credit memos, verifying the quality and completeness of financial, business, and risk assessments.
 
 
 </li>
 <li>
 
 Review and validate financial statement spreads (balance sheet, income statement, and cash flow) to ensure accuracy and consistency in ratio and trend analysis.
 
 
 </li>
 <li>
 
 Ensure all required documentation is thoroughly reviewed and complete before submission to the Risk Department for approval.
 
 
 </li>
 <li>
 
 Guide and support Relationship Managers and credit analysts in collecting missing information and finalizing cases efficiently.
 
 
 </li>
 <li>
 
 Review and approve client background checks, I-Score reports, and bank statements to confirm data accuracy and alignment with credit policies.
 
 
 </li>
 <li>
 
 Provide coaching and technical guidance to the credit team to enhance analytical standards and improve the quality of submitted cases.
 
 
 
 
 
 
 
 </li>
 </ul>
 Requirements
 
 
 
 &middot; Bachelor&rsquo;s in Finance, Economics, or related field.
 
 
 
 &middot; 5-7 years of experience in credit risk, ideally in SME banking.
 
 
 
 &middot; Excellent analytical, reporting, and leadership skills.
 
 
 
 &middot; Proficiency in Excel and risk modeling tools.
 
 
 
 
 
</div>

SME Credit Analyst Team Leader

Ecolab

<div>
 
 Credit Controller &ndash; Egypt
 
 
 
 The position is responsible for managing the credit and collection activities of a portfolio of customer accounts to enhance cash flow, minimise credit risk exposure and limit bad debt losses for Egypt market.
 
 
 
 Description
 
 
 
 Manage portfolio of customer accounts, working closely with sales to meet past due and DSO targets. Follow Egypt guidelines on assessing customer risk and risk mitigation of own portfolio of accounts. Apply policy &amp; procedures for collections, credit hold and credit risk to meet cash targets.
 
 
 
 Responsibilities
 
 
 
 <ul>
 <li>
 Establish and ensure monthly collection goals are integrated with total Egypt goals and targets flow to individual collectors.
 </li>
 <li>
 Implement strategies and deploy resources to meet collection targets and objectives.
 </li>
 <li>
 Drive sustained collections process improvement through the organization by changing behaviours around collections management using six sigma methodologies and integration of other functional disciplines.
 </li>
 <li>
 Establish and maintain effective Internal and External working relationships, including Sales, Supply Chain, Customer Service, Finance, and Customer Relationships.
 </li>
 <li>
 Act as Escalation Leader for financial and customer issues
 </li>
 <li>
 Ensure team and individual goals on past due improvement are achieved.
 </li>
 <li>
 Participate in Customer Visits.
 </li>
 <li>
 Monitor &amp; escalate defined uncollectable accounts; Manage National Legal and Collection Agency Portfolios
 </li>
 <li>
 Lead &amp; support business AR specific policies, processes and improvement projects
 </li>
 <li>
 Drive regular involvement of Regional, Market and National Sales management in regular status of portfolios.
 </li>
 <li>
 Perform customer risk assessments with appropriate policies to limit the dollar value of risk exposure with specific customers.
 </li>
 <li>
 Support internal and external audits as required.
 </li>
 <li>
 Provide meaningful commentary as part of monthly requirements for bad debt and top overdue reporting.
 
 
 </li>
 </ul>
 
 Basic Qualifications
 
 
 
 <ul>
 <li>
 Strong verbal and written communication in English
 </li>
 <li>
 Robust competency in Microsoft Excel, Word
 </li>
 <li>
 Ability to influence internally with key stakeholders and externally with customers
 
 
 </li>
 </ul>
 
 Preferred Qualifications
 
 
 
 <ul>
 <li>
 Bachelor's degree in Finance or Accounting
 </li>
 <li>
 0-2 years of business experience in collections.
 </li>
 <li>
 Experience using Microsoft Excel &amp; Power Point etc&hellip;
 </li>
 <li>
 Ability to influence without authority
 </li>
 <li>
 Knowledge in working with database applications IScala will be advanced.
 </li>
 <li>
 Excellent communication skills
 
 
 </li>
 </ul>
 
 Skills &amp; Competencies
 
 
 
 <ul>
 <li>
 Self -motivated; Assertive
 </li>
 <li>
 Proven record of meeting deadlines
 </li>
 <li>
 Process-orientation with customer focus
 </li>
 <li>
 Time management, organization, and prioritization skills
 </li>
 <li>
 Ability to apply judgment in problem solving
 </li>
 <li>
 Ability to ask probing questions to obtain necessary information
 
 
 </li>
 </ul>
 
 Our Commitment to a Culture of Inclusion &amp; Belonging
 
 
 
 Ecolab is committed to fair and equal treatment of associates and applicants and furthering the principles of Equal Opportunity to Employment. We will recruit, hire, promote, transfer and provide opportunities for advancement based on individual qualifications and job performance in all matters affecting employment, compensation, benefits, working conditions, and opportunities for advancement. Ecolab will not discriminate against any associate or applicant for employment because of race, religion, color, creed, national origin,citizenship status, sex, sexual orientation, gender identity and expressions, genetic information, marital status, age, or disability.
</div>

Credit Controller

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

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