9 Credit Analyst jobs in Egypt

Join Eaton, a global leader where equality and inclusivity are at the heart of our mission. Here, everyone is valued and belongs. Be part of a team that delivers cutting-edge, energy-efficient solutions, making a tangible impact on the world. We empower our customers to manage electrical, hydraulic, and mechanical energy more effectively, safely, and sustainably. At Eaton, we're dedicated to enhancing quality of life and protecting the environment with our innovative energy management technologies and services. Our EMEA Business Service teams empower seamless operations and drive exceptional results across our electrical, industrial, and corporate teams.
This open post is for an experienced collection analyst within the EMEA Credit Management team. The primary purpose is to provide expert Credit management skills for the customer base in relation to managing the cash flow for the portfolio ensuring all cash flow targets are met and exceeded, to improve cash flow, work with business partners improving processes, communicate policy and provide credit/commercial support to sales/operations/end customers. The position requires proven experience in a credit function, process improvement skills, business and commercial acumen and has a strong change management ethic. The purpose is to provide expert assistance to the customer in relation to conciliations and investigations into unresolved (end) customer claims that are or will be impacting the aged debt or bad debt on trade accounts. The candidate will be required to liaise with key stakeholders and end customers to handle complex investigations providing effective communication and recommendations on root cause mitigation.
**What you'll do:**
+ Drive cash Collection improvements within Middle East region for the Electrical Division.
+ Required to successfully manage the assigned portfolio to deliver cash collection targets in line with monthly goals and expectations.
+ Own, manage and resolve large/long term disputes across the EMEA portfolio.
+ Achieve Aged debt and collection goals utilizing advanced collection techniques in line with the SAP, GetPaid .
+ Initiate and drive pro-active collections by collaborating with the customers to identify queries or disputes prior to due date of invoices.
+ Build key business relationships with sales and operational teams to drive improvements in the OTC cycle.
+ Support and facilitate Commercial agreements and contracts with Sales in relation to terms and business processes.
+ Build strong business relationships with key customers in country/region.
+ Provide expert decision making on all topics relating to the OTC cycle
+ Manage and deploy key Credit procedures within country and region.
+ Manage the decision making on stop shipments for their key countries.
+ Ensure W/O and reserves are reflective of country specifics Including escalation to Atradius collections and legal proceedings.
+ Ensure all key work processes are followed through automated systems daily. (Dunning's, statements, invoice copies and customer responses).
+ Ensure the integrity of the receivables by accurately clearing of all aged Cash on account in line with the agreed targets.
+ Identify and categorize all aged debt accurately including robust commentary entered within the key credit systems and efficiently identify the stakeholder required to clear the balance that relates to a claim or dispute.
+ Provide accurate weekly cash forecasts highlighting risks, opportunities and providing recommendations to management based on collection activity to ensure targets are achieved.
+ Drive front end enhancements mitigating reoccurring challenges within the OTC cycle. Drive next generation process changes enhancing the cash flow for the regions and roll out standardization and best practice across the function. Support all system upgrades and own key requirements during projects for the OTC process.
+ Manage and maintain the customer masterfile for both SAP, Get Paid and Oracle systems ensuring accurate data on all customers. Collaboration with the Country Support team & Glasgow Collections/EMEA Risk team on key decisions impacting the OTC cycle and the EMEA cash flow
**Qualifications:**
+ Bachelors Degree in Accounting
+ Min. 3 year credit risk, collection or similar relevant experience in some manufacturing company preffered
**Skills:**
+ Proven technical expertise knowledge on multiple ERP and financial systems ( SAP platforms preferred)
+ Fluent spoken and written English essential.
+ Experience within a high performing credit function working with operations and commercial teams within a multinational (manufacturing) company.
+ Proven ability to drive results and continuous improvement culture across multiple business units.
+ Customer Relationship Management, both internal and external, experience essential
+ Ability to collaborate with diverse internal and external teams; used to operate, negotiate and influence effectively in an international organization
+ Good communication, presentation, training, process management and change management skills
+ Cross/multi-cultural background and experience; sensitive to cultural differences- Proven track record leading supporting on business improvement initiatives
#LI-AD3
We are committed to ensuring equal employment opportunities for job applicants and employees. Our recruitment processes use balanced selection criteria and avoid unlawful discrimination against applicants on the basis of their age, colour, disability, marital status, national origin, gender, gender identity, genetic information, race or racial origin, religion, sexual orientation or any other status protected or required by law.

**Consultancy
- Risk Assessment for Non-Food and Industrial Consumer Products
- USAID TRADE**

**Project Overview and Role**:
Palladium was awarded the USAID/Trade Reform and Development in Egypt (TRADE) Activity contract, which has a 5-year timeframe and a ceiling of $36.3 million. The Project will be active throughout Egypt. The goal of the TRADE Activity is to increase Egypt’s international trade by increasing exports from SMEs, and in particular New and Expanding Export-Ready Enterprises (NEEREs). This will be achieved by addressing the constraints that impede the competitiveness of Small and Medium-sized Enterprises (SMEs).

In order to achieve the Activity’s goal (increasing exports in selected sectors), Palladium must attain the following three Results:
Enhanced Export Capacity of SMEs, in particular New and Expanding Export-Ready Enterprises (NEEREs)in Selected Sectors
Strengthened Public and Private Trade-Support Institutions (e.g., Trade
Associations, Export Councils, etc.); and
Improved Trade and Investment Policy, Regulatory and Institutional Environment

***Primary Duties and Responsibilities**:
Background on the assignment

The USAID TRADE Project is focused on enhancing trade and investment policies, as well as the regulatory and institutional framework, as outlined in result 3. This encompasses five key areas of focus. The second area aims to expedite and streamline the movement of goods across borders, aligning with the provisions of the WTO Trade Facilitation Agreement and international best practice.

Ministerial Decree No. 283 amended the export/import regulation established by Ministerial Decree No. 770 of 2005. This addition, Bis Article No. 94, empowers GOEIC to institute a risk management system specifically tailored to the inspection and testing procedures of imported non-food and industrial commodities. This ensures that these operations are conducted selectively based on established disciplines and rules for evaluating risk factors. On the other hand, the second ministerial decree, No. 284, is dedicated to forming a high committee tasked with defining the disciplines and rules for implementing a risk management system within GOEIC for the inspection of imported non-food and industrial goods, considering the feedback from the related private sector’s stakeholders.

The overarching objective of TRADE’s support to GOEIC in this area is to expedite the release process and reduce associated costs for imported industrial goods and production supplies. To achieve this, the direct aim of this assignment is to support the formed GOEIC Technical Working Group in conducting a science-based risk assessment for the non-food & industrial consumer products (Electrical Appliances Sector), listed in the attached annexes No. (3) & (8) of the Executive Regulations of the Law No. 118 / 1975, issued by the Ministerial decree No. 770 / 2005, that evaluates, determines, develop a risk assessment matrix with risk levels for the products mentioned before, conduct training & coaching for the TWG’s members on Risk Assessment according to a Training Needs Assessment to be developed for that purpose considering the international best practices in this domain.

**Primary Duties and Responsibilities**

The consultant is required to perform the following tasks:

- Develop a term of reference for the Technical Working Group for electrical appliances, i.e., objectives and functions of the working group, Standard Operating Procedures (SOPs) for conducting a consumer product risk assessment, setting a mechanism to classify the expected Product Risk, what Criteria to use, what roles/competencies are needed within the group, etc. GOEIC should be able to use the same terms of reference for other working groups with minor modifications.
- Based on the Technical Working Group Term of Reference (should be approved by GOEIC’s leadership), the consultant develops a training needs assessment report for the TWG’s members.
- Develop a science-based risk assessment procedure to evaluate, determine, classify, and quantify the risks of consumer products for electrical appliances listed in the Annexes 3 and 8 of the Ministerial Decree No. 770 of 2005, according to the well-recognized international guidelines and methods in this field.
- Prepare a risk assessment matrix with risk levels for each product of the electrical appliances in the said list, taking into consideration relevant EU Directives, and any other literature to benefit from their methods followed in this regard, i.e., how to assess risk, and how that risk can be mitigated.
- Conduct a training & coaching according to the training needs assessment that should include the following:

- Identification of the hazard that is intrinsic to each product.
- The determination of the probabilities and severities of the respective consumer injuries scenarios that could take place by the intrinsic product hazard.
- The combination of hazards with the probabilities i

We are looking for a system analyst to implement and improve our IT systems. You will analyze system requirements and address any relevant problems. You will also perform standard testings and provide solutions to ensure high levels of performance and security. As a system analyst, you will be joining a team of engineers and developers who are passionate about new IT systems, software development and different programming languages. If you are also interested in discovering and implementing new features, we would like to meet you. Ultimately, you should be able to translate our internal and external clients’ needs into new high quality IT systems.

**Skills**
- Experience as a Murex Credit / Market Risk Developer / Consultant.
- A strong level understanding of financial products and related risks
- A very good knowledge of MLC computation process (Feeding of the Data, MLC risks calculations based on implemented formulas and Limits monitor screens used for the display and analysis of the results)
- Strong knowledge of simulation views and layouts, especially risk outputs settings
- Strong understanding of MLC risk configuration, mainly adjusting existing risks to a specific requirement
- A strong knowledge on LRB configuration to guide reporting team
- A strong knowledge on Murex collateral.
- A working knowledge of specific Credit and market risk measures in Murex:
PFE/CVA: calibration and computation
- Regulatory risk measures:
Understands MRB configuration and MRA display views (Enterprise Market Risk Monitor)
- Basic knowledge of the regulatory requirement
- A basic understanding of pricing models and calibration process
- List of needed Risk measures:

- FRTB
- Basic CVA
- SIMM
- SA-CCR
- VaR
- Experience of 5 to 10 years

**Requirements**:

- Experience in banking business is mandatory
- Valid passport
- Ability to travel based on business needs

**Benefits**
- Attractive salaries
- Healthy working environment
- Medical Insurance
- Social Insurance

About the job Financial Analysis Super - Decision Support (Tech & Support Functions)

**Purpose of the job**:
Analyze KPIs and revenue, validate offers and proposals, identifies and raises flag upon recognizing change in trend that may impact the segment revenue or profitability.

**Duties and responsibilities**:
1. Receives budget input from the commercial team.

2. Reviews validate and challenge the budget input.

3. Build up the full budget of Technology and support functions.

4. Meets with commercial department to discuss assumptions

5. Identifies key risks and opportunities in the financial KPIs

6. Produces budget pack for revenue & costs including KPIs.

7. Performs analysis for the revenue and cost, identifies key variances from budget

8. Meets with Technology and support functions teams on monthly basis to discuss variances and reasons behind the variance

9. Make sure that the agreed margin is covered, and profitability margin sustained.

10. Validates and provides constructive challenge for key assumptions

12. Performs sensitivity/what if analysis

12. Identifies risks and opportunities in the business case

13. Provides recommendation of go/no go

14. Build daily/weekly trends for KPIs and revenue

15. Identifies any change in trends, raise flags for any budget threat

16. Make sure the terms and conditions match with the business case

17. Make sure the payment terms are in alignment with the Finance criteria

**Job Requirements**:
**Education**
- Bachelor's degree from a recognized university.

**Experience**
- 4 to 5 Years Experience In The Same Function.

**Skills and abilities**
- Very good English both spoken and written.
- Very good computer skills.
- Strong Customer Orientation.
- Strong communication, listening & interpersonal skills.
- Flexibility & ability to work in a team.
- Self-confident with professional behavior & attitude.
- High sense of time management.

The Role Job description

You are about to apply for a job in a certified Top Employer 2023!
Ready to be part of one of the market leaders in Egypt? Apply now!
Raya Holding for Financial Investments is hiring Specialist (Financial Planning & Analysis).

What will you do?

• Develop and manage the annual budgeting process and rolling forecasts in coordination with various business lines.
• Prepare budget templates and consolidate submissions from departments and subsidiaries.
• Ensure timely and accurate forecasting of revenues, expenses, and cash flows.
• Conduct comprehensive variance analysis (actual vs. budget vs. forecast) and explain key drivers.
• Analyze financial performance trends and provide recommendations for improvement.
• Present financial reports, dashboards, and KPIs to executive leadership.
• Leverage Power BI and Excel (Power Query, Pivot Tables, etc.) to build automated financial models and dashboards.
• Streamline data collection and reporting processes using Oracle Cloud EPM and Discoverer tools.
• Continuously enhance the reporting infrastructure to support dynamic business needs.
• Collaborate with business units and cost center owners to provide actionable financial insights.
• Support long-term strategic planning, investment evaluations, and scenario analysis.
• Assist in internal audit reviews and ensure financial processes comply with internal controls and IFRS.
• Recommend and implement enhancements to existing FP&A processes, models, and systems.
• Document standard operating procedures and support knowledge sharing within the finance team.

Skills What will you need?

• Bachelor's degree in Finance, Accounting, or related field.
• Minimum of 3 years of experience in financial analysis, budgeting, or accounting, ideally in a group/holding structure.
• Proficiency in Power BI and Microsoft Excel is a must (Power Query, dashboards, and financial modeling).
• Experience with Oracle Cloud EPM and Oracle Discoverer is a strong advantage.
• Professional certifications such as CMA, C-FP&A, or IFRS diploma are considered a plus.
• Strong analytical and numerical reasoning skills.
• Excellent written and verbal communication abilities.
• High attention to detail with the ability to manage multiple priorities.
• Collaborative mindset with the drive to continuously learn and improve.

What is unique about Raya?

• Are you an eager learner? Raya believes in its employees, so we aim to continuously provide learning & development plans for all of our employees to ensure their personal and career development.
• Are you looking for career progression? Raya is an entity where you can grow whether horizontally or vertically as we offer internal transfer opportunities.
• Are you looking for a rewarding environment? Raya's top achievers are awarded annually with an international 5 days trip.
• Are you looking for an opportunity to give back to the community? Raya encourages their employees to give back to the community through different ongoing CSR programs and initiatives.
• Are you a foodie? Exclusive discounts for Raya employees at Raya's restaurants.

Requirements About the company Raya Holding for Financial Investments, a leading investment conglomerate, established in 1999 in Egypt with a vision to be a market leader and to grow into a solid financial conglomerate with multifaceted operations. Headquarter located in Cairo, Egypt; Raya Holding is managing a diversified investment portfolio of 13 lines of business in the various industries of e-payment, information technology, contact center, smart buildings, consumer electronics, food and beverage, land transport, PET remanufacturing, automotive, FMCG and home appliances Raya Holding is listed in the Egyptian Exchange (EGX) since 2005, while the company empowers more than 12,000 proficient employees, accommodating to a wide international customer base from offices based in Egypt, Saudi Arabia, UAE, Qatar, Poland, Nigeria and Tanzania. Raya's Lines of Business include; Aman for e-payments, Aman for Financial Services, BariQ, Ostool, Raya Contact Center, Raya Foods, Raya Information Technology, Raya Food Trading, Raya Restaurants, Raya Smart Buildings, Raya Trade, Raya Auto and Haier - Raya Electric.

**Responsibilities**:

- Prepare the detailed SBP/AOP/Rolling/LE Forecasts related to P&L, Balance sheet accounts, cash flow and taxes.
- Full ownership on the P&L for the assigned business.
- Review and challenge the planned assumptions with the budget owners and ensure they are in line with the company’s direction and targets.
- Track & analyze the actuals volume, revenues & spending & identify the reason of deviation vs. AOP/ PY
- Partner with the commercial planning & supply chain planning to be able to justify the variances across P&L line and to be able to provide the full story to internal management & sector teams.
- Provide full support to the business leaders in evaluating the productivity initiatives and assess the impact on the financials.
- Identify and assess the risks and opportunities to the business and provide early alerts on the potential deviation from the plans; Coordinate with the functions in defining the mitigation actions and align the management.
- Coordinate with Control to ensure completeness of all accruals (un-recorded liability)
- Monthly review and analyze with control all BS accounts prior to submission and present the analysis to the finance management in the monthly review.
- Track and analyze the BS KPIs versus plan and trends and provide recommendation on how to improve the working capital and achieve KPIs
- Track and analyze the x-charges accruals and amortization with the functions, control & tax.
- Review tax related transactions (WHT, Sales, Income, Add-on taxes, Deferred, Property )
- Review inter-company movements and aging.
- Identify opportunity to improve our KPIs and ensure monitoring the performance by month.
- Ensure the integrity of the internal controls whenever applied
- Provide the planning and analysis of the major MU project I,e restructuring, smart spending
- Responsible for submissions and reporting for MU.

Qualifications:

- Finance / Economics degree from an accredited school
- Preferably CMA/MBA Holder.
- Minimum 5 years of experience preferably in FMCG.
- Ability to work on own initiative and within a pressurized environment.
- Possess leadership abilities and the capability to deal with people at all levels of responsibility.
- Excellent customer service, interpersonal and communication skills.
- Excellent command of Arabic and English language.
- Problem solving skills.
- Planning and analytical skills.

**Responsibilities**
- Prepare the detailed SBP/AOP/Rolling/LE Forecasts related to P&L, Balance sheet accounts, cash flow and taxes.
- Full ownership on the P&L for the assigned business.
- Review and challenge the planned assumptions with the budget owners and ensure they are in line with the company’s direction and targets.
- Track & analyze the actuals volume, revenues & spending & identify the reason of deviation vs. AOP/ PY
- Partner with the commercial planning & supply chain planning to be able to justify the variances across P&L line and to be able to provide the full story to internal management & sector teams.
- Provide full support to the business leaders in evaluating the productivity initiatives and assess the impact on the financials.
- Identify and assess the risks and opportunities to the business and provide early alerts on the potential deviation from the plans; Coordinate with the functions in defining the mitigation actions and align the management.
- Coordinate with Control to ensure completeness of all accruals (un-recorded liability)
- Monthly review and analyze with control all BS accounts prior to submission and present the analysis to the finance management in the monthly review.
- Track and analyze the BS KPIs versus plan and trends and provide recommendation on how to improve the working capital and achieve KPIs
- Track and analyze the x-charges accruals and amortization with the functions, control & tax.
- Review tax related transactions (WHT, Sales, Income, Add-on taxes, Deferred, Property )
- Review inter-company movements and aging.
- Identify opportunity to improve our KPIs and ensure monitoring the performance by month.
- Ensure the integrity of the internal controls whenever applied
- Provide the planning and analysis of the major MU project I,e restructuring, smart spending
- Responsible for submissions and reporting for MU.

**Qualifications**
- Finance / Economics degree from an accredited school
- Preferably CMA/MBA Holder.
- Minimum 5 years of experience preferably in FMCG.
- Ability to work on own initiative and within a pressurized environment.
- Possess leadership abilities and the capability to deal with people at all levels of responsibility.
- Excellent customer service, interpersonal and communication skills.
- Excellent command of Arabic and English language.
- Problem solving skills.
- Planning and analytical skills.

We are looking for a system analyst to implement and improve our IT systems. You will analyze system requirements and address any relevant problems. You will also perform standard testings and provide solutions to ensure high levels of performance and security. As a system analyst, you will be joining a team of engineers and developers who are passionate about new IT systems, software development and different programming languages. If you are also interested in discovering and implementing new features, we would like to meet you. Ultimately, you should be able to translate our internal and external clients’ needs into new high quality IT systems.

**Skills**
- Analyze core systems level data inputs against Risk system requirements.
- Identification of upstream/downstream touchpoints for data requirements and delivery.
- Translate core system specific field requirements from upstream/downstream systems.
- Prepare Low-level design for extract-Transform and load system development.
- Extract data from SQL databases for analysis and unit testing.
- Build reports for internal/regulatory
- Exposure with capital adequacy, LCR, NSFR and BASELL II/III.
- Exposure to BASEL II/III regulations of SAMA/CBB/UAE.
- Excellent communication skills and ability to translate system requirements into data specifications.
- Good exposure to relational databases and basic SQL scripting.
- An eye for detail in analyzing recon numbers, spotting mismatches and good experience with general ledger and balance sheet systems.
- Knowledge of building ETLs
- Experience of 5 to 10 years

**Requirements**:

- Experience in banking business is mandatory
- Valid passport
- Ability to travel based on business needs

**Benefits**
- Attractive salaries
- Healthy working environment
- Medical Insurance
- Social Insurance