What is FlapKap?

We are the financial growth partner for the digitally-native businesses in the Middle East and Africa. We support online businesses to overcome their cash constraints by financing their working capital and we ensure their growth without losing equity. We also give them insights on their media spend to maximize their revenues and profits.

For more info check our website https://www.flapkap.com/

Why FlapKap?

FlapKap is fast, smart, collaborative and first a kind startup that aims to disrupt the financial industry in MEA. FlapKap is backed by QED, A15, Outliers, and Nclude with a total financing of $3.6m USD. FlapKap is a safe environment with a welcoming atmosphere to creativity and innovation FlapKap is dynamic and progressive. Everyday there are new challenges and significant achievements that make everyone charged, excited and proud to belong.

What is this role?

We seek an experienced Head of Credit Risk to lead our B2B credit risk function. The ideal candidate possesses deep expertise in credit risk management within the UAE financial sector, with a strong track record in SME funding, risk analysis, and policy formulation.

Job Description

• Lead and manage the credit risk function, developing and implementing credit risk policies, procedures, and strategies
• Oversee comprehensive credit risk assessments and underwriting for SME portfolios
• Continuously refine credit scoring models and enhance underwriting methodologies to ensure prudent risk management aligned with business objectives
• Manage and monitor the portfolio, ensuring proactive identification and mitigation of risks
• Collaborate closely with technology teams to leverage data analytics and AI-driven insights for improved risk evaluation and decision-making
• Provide strategic insights and recommendations to senior leadership, contributing to FlapKap's overall risk management strategy
  
  
  

Requirements

• 10-15 years of experience in credit risk management within the UAE banking industry, specifically in SME credit
• Proven track record in designing and implementing credit risk policies, scoring models, and underwriting frameworks
• Strong analytical skills, experience with data-driven risk assessment tools, and familiarity with technology-driven credit risk solutions
• Excellent communication and leadership capabilities, with the ability to influence across all levels of the organization
  
  
  

Benefits

• Competitive Salaries
• Hybrid working environment
• Paid time off
• Healthcare coverage
• A highly collaborative team environment that will support your professional and personal growth
• A culture of learning and innovation