Senior Credit & Risk Analyst

What is Flap Kap ?

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.

Flap Kap 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. Flap Kap 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.

Flap Kap, 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 Flap Kap’s cost of risk.

• Analyze and verify financial statements, Bank statements and other relevant information to assess the creditworthiness of a merchant
• Credit‑scoring potential merchants through building, improving and analyzing financial models
• Forecasting client's financials and recommending appropriate financing options based on credit risk and financial needs
• Collaborating with Tech team to help automate various processes
• Iterating and improving on existing processes
• Working on and improving existing templates

• Bachelor's degree in Finance, Accounting, Economics, or a related field (MBA or CPA/CFA a plus).
• 2–4 years of experience in financial analysis, operations, or accounting.
• Strong proficiency in Excel (pivot tables, VLOOKUPs, financial modeling) and familiarity with ERP/financial systems (e.g., SAP, Oracle, Net Suite).
• Excellent analytical, problem‑solving, and organizational skills.
• Strong attention to detail and ability to work under tight deadlines.
• Effective communication and collaboration skills across teams
• Fluent English

• 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 that promotes Work‑Life balance and Wellbeing
• A culture of learning and innovation