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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>
 
 <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

Abu Dhabi Islamic Bank - Egypt

<div>
 
 To manage a large portfolio with coverage in BB hubs , enhancing exiting BB Customers relationships in-order to achieve predetermined objectives.To manage a large portfolio with coverage in BB hubs , enhancing exiting BB Customers relationships in-order to achieve predetermined objectives.
 
 
 KEY ACCOUNTABILITIES:
 
 
 
 Functional
 
 
 <ol>
 <li>
 Screens Proposed Customers against Target Market Plan and Risk Acceptance Criteria, to initially identify ADIB EGYPT credit risk appetite for obligors and setting the facility structure, subject to Business and Risk Management approvals and the Wholesale Bank Policy.
 </li>
 <li>
 Furnishes / updates the Business Analyst with client information, financial statements, and relevant data, for the different types of CA reviews (Annual, Initial, Interim etc.).
 </li>
 <li>
 Reviews /Approves extensions of credit (for credit officers) and ensure that the data within these extensions of credit are accurate and that they are designed with the appropriate requested facility package and all credit risks are properly addressed.
 </li>
 <li>
 Ensures that the extensions of credit are consistent with the relationship profile and endorsing the risk /reward balance.
 </li>
 <li>
 Ensures appropriate obligor / facility risk ratings in line with the risk ratings Policy of the bank.
 </li>
 <li>
 Conducts regular accounts follow up assisted by periodical reports to avoid the manifestation of past dues, excess and the breach of terms and conditions of the approved facilities.
 </li>
 <li>
 Monitors changes in the risk position of the clients using renewal and monitoring tools, and are promptly communicated to business and risk managers.
 </li>
 <li>
 Maintains regular contacts with customers to sort any internal/ departmental issues with immediate action, supporting CSU Service Unit to serve customers in the best way, as per approved SLA.
 </li>
 <li>
 Conducts periodic client calls /site visits and document client calls with the frequency indicated in the credit analysis section.
 </li>
 <li>
 Maintains customer loyalty and promote brand identify by providing excellent customer service via regular updates and reviews on bank&rsquo;s range of financial products as well as customers&rsquo; financial needs.
 </li>
 <li>
 Provides quality service to clients and closely follow up and ensure the processing of all requests (new facilities, increase of existing facilities, amendments, waivers, operations requests etc.) up to their satisfaction duly within SLAs without deviation.
 </li>
 <li>
 Conducts marketing calls to screen the market and approach potential relationships.
 </li>
 <li>
 Identifies expansion opportunities with existing clientele base to achieve portfolio growth.
 </li>
 <li>
 Monitors practices of competition and report findings to RM/SRM.
 </li>
 <li>
 Provides product specialists with qualified referrals for cross-sell. Responsible for overall parent relationship management and providing a wide range of treasury, cash management, trade and corporate finance products and solutions.
 </li>
 <li>
 Monitors Past Dues Report and take any required action, after consulting with Unit Head and/or Wholesale Bank Head.
 </li>
 <li>
 Ensures that extensions of credit follow regulatory limits and the Central Bank of Egypt regulations and guidelines.
 </li>
 <li>
 Initiates &ldquo;credit checking&rdquo; and &ldquo;Central de Risqu&eacute; &ndash; CBE&rdquo; requests, and ensure their completeness by the time of the credit approval.
 </li>
 <li>
 Provides recommendations to improve the current procedures and processes to ensure that work is carried out in an efficient manner.
 </li>
 <li>
 And any other assigned tasks.
 </li>
 </ol>
 
 QUALIFICATIONS:
 
 
 
 
 Academic and professional qualifications
 
 
 
 <ul>
 <li>
 University/College Degree .
 </li>
 <li>
 MA or MBA is an advantage
 </li>
 </ul>
 
 
 
 Experience and other requirements
 
 
 
 <ul>
 <li>
 
 Basic Qualifications:
 
 </li>
 <li>
 Corporate Banking Knowledge
 </li>
 <li>
 Sound understanding of corporate, treasury, cash management and trade, corporate lending products and other products offered.
 </li>
 <li>
 Strong sales&amp; marketing skills, with the ability to interpret complex financial information.
 </li>
 <li>
 Proven track record of meeting/exceeding revenue targets
 </li>
 <li>
 Excellent interpersonal skills, including listening skills/temperament.
 </li>
 <li>
 Excellent communication (written and verbal) and negotiation skills.
 </li>
 <li>
 Ability to build and sustain good personal contacts with client executives at varying levels of seniority, balancing client needs and ADIB EGYPT objectives/priorities.
 </li>
 <li>
 Creativity - an enquiring mind willing to develop a detailed understanding of client issues/needs and develop ideas/solutions in response Strong work ethic; high energy levels; results oriented - a self-starter prepared to take the initiative to start topics and/or follow issues through, whilst exercising judgment as to when to seek assistance.
 </li>
 <li>
 Networking - Maintaining close contact with coverage, product and risk specialists within ADIB.
 </li>
 <li>
 Natural Team Player - Having an adaptable/flexible approach; willing to work in a co-operative manner to fulfil client and internal requirements.
 </li>
 <li>
 Coordinate with other BB staff for Cross selling BB asset and other banking product.
 </li>
 <li>
 Ensure high level of service
 </li>
 </ul>
 
 
 Minimum Experience
 
 :
 
 <ul>
 <li>
 BB Acquisition Senior RM: 8-10 years of banking experience at least 3 of them in SME/ BB / Trade /Corporate service
 </li>
 <li>
 BB Acquisition RM: 5-7 years of banking experience in sme / BB / Trade /corporate service .
 </li>
 </ul>
 
 
</div>

Business Banking Acquisition Relationship Manager - Liabilities (Obour/Arabella/October)

<div>
 
 To manage a portfolio with coverage of SME/ BB customers in Cairo and other governorates in Egypt (excluding Alex and Delta), marketing &amp; soliciting new relationships in-order to achieve predetermined objectives.
 
 
 
 KEY ACCOUNTABILITIES
 
 
 
 
 Functional
 
 
 <ol>
 <li>
 Screens proposed customers against Target Market Plan and Risk Acceptance Criteria, to initially identify ADIB EGYPT credit risk appetite for obligors and setting the facility structure, subject to Business and Risk Management approvals and the Wholesale Bank Policy.
 </li>
 <li>
 Furnishes / updates the Business Analyst with client information, financial statements, and relevant data, for the different types of CA reviews (Annual, Initial, Interim etc.).
 </li>
 <li>
 Reviews/Approves extensions of credit (for Credit Officers) and ensure that the data within these extensions of credit are accurate and that they are designed with the appropriate requested facility package and all credit risks are properly addressed.
 </li>
 <li>
 Ensures that the extensions of credit are consistent with the relationship profile and endorsing the risk/reward balance.
 </li>
 <li>
 Ensures appropriate obligatory / facility risk ratings in line with the risk ratings Policy of the bank.
 </li>
 <li>
 Conducts regular accounts follow up assisted by periodical reports to avoid the manifestation of past dues, excess and the breach of terms and conditions of the approved facilities.
 </li>
 <li>
 Monitors changes in the risk position of the clients using renewal and monitoring tools, and are promptly communicated to Business and Risk managers.
 </li>
 <li>
 Maintains regular contacts with customers to sort any internal/ departmental issues with immediate action, supporting CSU Service Unit to serve customers in the best way, as per approved SLA.
 </li>
 <li>
 Conducts periodic client calls / site visits and document client calls with the frequency indicated in the Credit Analysis section.
 </li>
 <li>
 Maintains customer loyalty and promote brand identity by providing excellent customer service via regular updates and reviews on bank&rsquo;s range of financial products as well as customers&rsquo; financial needs.
 </li>
 <li>
 Provides quality service to clients and closely follow up and ensure the processing of all requests (new facilities, increase of existing facilities, amendments, waivers, operations requests etc.) up to their satisfaction duly within SLAs without deviation.
 </li>
 <li>
 Prepares target list of potential relationships.
 </li>
 <li>
 Conducts marketing calls to screen the market And approaching potential relationships.
 </li>
 <li>
 Identifies expansion opportunities with existing clientele base to achieve portfolio growth.
 </li>
 <li>
 Monitor practices of competition and report findings to Unit &amp; Department Heads.
 </li>
 <li>
 Provides product specialists with qualified referrals for cross-sell. Responsible for overall parent relationship management and providing a wide range of treasury, cash management, trade and corporate finance products and solutions.
 </li>
 <li>
 Closely monitors Past Dues Report, and take any required action, after consulting with Unit Head and/or Wholesale Bank Head.
 </li>
 <li>
 Ensures that extensions of credit follow regulatory limits and the Central Bank of Egypt regulations and guidelines.
 </li>
 <li>
 Initiates &ldquo;credit checking&rdquo; and &ldquo;Central de Risqu&eacute; &ndash; CBE&rdquo; requests, and ensure their completeness by the time of the credit approval.
 </li>
 <li>
 Provides recommendations to improve the current procedures and processes to ensure that work is carried out in an efficient manner.
 </li>
 <li>
 And any other assigned tasks.
 </li>
 </ol>
 
 
 QUALIFICATIONS
 
 
 
 
 Academic and professional qualifications
 
 
 <ul>
 <li>
 University/College Degree
 </li>
 <li>
 Credit Risk course
 </li>
 <li>
 MA /MBA is an advantage
 </li>
 </ul>
 
 
 Experience and other requirements
 
 
 <ul>
 <li>
 Basic Qualifications:
 </li>
 <li>
 Islamic Banking Knowledge
 </li>
 <li>
 Ability to build and sustain good personal contacts with client executives at varying levels of seniority, balancing client needs and ADIB EGYPT objectives /priorities.
 </li>
 <li>
 Creativity - an enquiring mind willing to develop a detailed understanding of client issues/needs and develop ideas/solutions in response Strong work ethic; high energy levels; results oriented - a self-starter prepared to take the initiative to start topics and/or follow issues through, whilst exercising judgment as to when to seek assistance.
 </li>
 <li>
 Networking - Maintaining close contact with coverage, product and risk specialists within NBD.
 </li>
 <li>
 Natural Team Player - Having an adaptable/flexible approach; willing to work in a co-operative manner to fulfil client and internal requirements.
 </li>
 </ul>
 
 
 Minimum Experience:
 
 
 
 RM: Min 5 years of Experience + CC Certified.
 
 
 SRM: Min 7 years of Experience + CC Certified.
 
</div>

SMEs / Business Banking- Relationship Manager/Senior Relationship Manager

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Business Banking Acquisition Relationship Manager - Liabilities (Obour/Arabella/October)

SMEs / Business Banking- Relationship Manager/Senior Relationship Manager