Teams at FlapKap

Senior individual-contributor credit underwriter for SME POS, short-term loan, and invoice discounting products. Owns end-to-end underwriting, presents cases to Investment Committee, handles enhanced-review and exceptions, structures security, analyzes portfolio performance, recalibrates scorecards, proposes policy changes, and works with product/engineering to implement automated decisioning and monitor rating accuracy.

Underwrite SME credit applications for UAE clients from the Cairo desk: spread and analyze financials and bank statements, verify documents, assess debtor quality for invoice discounting, input data into credit models, assign risk ratings, prepare credit memos, and present recommendations to the Investment Committee while coordinating pre-disbursement checks with Dubai colleagues.

Generates qualified sales opportunities through targeted account research, high-volume cold calling, personalized email, and LinkedIn outreach. Conducts discovery and qualification using BANT and SPIN, books meetings for BDRs, maintains detailed CRM records, reports activity and conversion metrics, and shares market intelligence with internal teams. The role requires consistent quota achievement and strong prospect communication in a fintech environment.