MSME Credit Risk Management Expert for the Consulting Services for “Supporting the Transformation of MSME Lending at Banque Misr” in Egypt

Background:

 

The assignment will support Banque Misr’s efforts to modernize its product offering to the Egyptian MSME sector, thereby improving access to high-quality financial and non-financial products for MSMEs in Egypt.

Banque Misr currently undergoes a process of transformation in their corporate culture. This process has the objective “to transform Banque Misr corporate banking with a vision to provide best in market corporate ecosystem, aiming to set the market standards for services and delivery while continuously creating value for our shareholders, clients and employees.” Globally, the transformation process aims to result in an increased corporate banking profitability by increasing synergies across all bank functions, enhance employees’ efficiencies, embed a performance-based culture, and create a seamless corporate customer experience. In the area of MSME finance, the transformation process will lead to a renewed and highly competitive offer of financial and non-financial products to the MSME sector. The Egyptian private sector will thus benefit from greater access to finance and a higher quality of product offering.

 

Objectives:

The overall objective of this assignment is to support Banque Misr in the modernization of its product offering for the Egyptian micro, small and medium-sized enterprise (MSME) sector.

 

Project Outputs:

The purposes of this assignment are to:

  • Support the transformation process at Banque Misr by helping the agile implementation of the transformation project and developing their capacities through training and coaching the transformation teams.
  • Support the transformation process by developing change agents and technical tools.
  • Develop, implement, launch, and test best practice methodologies in credit risk management for SMEs and microenterprises; and
  • Implement a staff training on technical tools and capacity building system.

 

The MSME Credit Risk Management Expert will be responsible for the development and implementation of credit risk management and scoring systems.

Qualifications: 

Qualifications and skills

  • University Degree in Economics, Mathematics, Engineering, Banking, Business Administration, or related disciplines; good analytical and reasoning skills and the capacity to provide sound judgement concerning the issues in his/her area of expertise.
  • Computer literacy.

 

General professional experience

  • 8 years of relevant professional experience in working in MSME Finance.

 

Specific professional experience

  • Two experiences of working with the development of credit risk management and scoring systems for MSME finance.
  • One experience in at least two of the following fields:
    • Training of bank staff in credit risk management
    • Development of tools for reject interference analysis, limit assignment for the various customer segments / products, roll-rate analysis, and vintage analysis
    • Development of an expert scoring model
    • Development of a statistical scoring model
    • Backtesting and calibration of scoring models​

 

Language skills

  • Fluency in written and spoken English is essential.
Start / Duration: 

24 months

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