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Moustafa Raafat, Financial and Commercial planning consultant

Moustafa Raafat

Financial and Commercial planning consultant·cultiv

Egypt

Bachelor's degree, Business And Finance

Work experience

Total years of experience: 4 years, 6 months

Financial and Commercial planning consultant

December 2025 - Present

cultiv

Cairo, Egypt

December 2025 - Present

1. Financial Analysis & Strategy
Build and maintain financial models, scenario simulations, and profitability analysis.
Evaluate client profitability, service unit economics, pricing structures, and sales economics.
Generate insights and recommendations to improve margins and reduce cost leakages.
Conduct recurring business performance reviews and financial dashboards.
2. Revenue & Profit Optimization
Develop strategies to increase revenue and improve gross margins.
Partner with operations and commercial teams to optimize pricing, discounting, and value-add offerings.
Identify and execute opportunities for revenue expansion and customer portfolio improvements.
3. Cash Flow & Collections
Improve payables and receivables cycles to strengthen cash position.
Enhance billing, invoicing, and collection processes.
Implement mechanisms to improve liquidity and reduce financial risks.
4. Commercial Leadership
Lead and support performance across:
Sales
Business Development
Procurement
Contracting
Responsibilities include:
Define and track commercial KPIs and dashboards.
Lead financial review of proposals, pricing, RFQs, and commercial deals.
Support negotiation strategies and partnership structuring.
Work closely with Marketing to evaluate ROI and sales conversion.
5. Operations & SOP Optimization
Diagnose operational bottlenecks that affect financial results.
Recommend and implement SOP improvements for scalability and cost efficiency.
Align operational teams and commercial teams under a shared performance framework.
6. Strategic Initiatives
Lead cross-functional initiatives to improve financial performance.
Develop recommendations to improve labor utilization, profitability, and sales productivity.
Support new business models, cost optimization, and expansion initiatives.

Company industry:
Installation & Technical Services
Job role:
Information Technology

Financial & Commercial Manager

December 2025 - April 2026

cultiv

Cairo, Egypt Hybrid

December 2025 - April 2026

Job description points:
Build and maintain financial models, scenario simulations, and profitability analysis.
Evaluate client profitability, service unit economics, pricing structures, and sales economics.
Generate insights and recommendations to improve margins and reduce cost leakages.
Revenue & Profit optimization develop strategies to increase revenue and improve gross margins.
Cash Flow & Collections, improve payables and receivables cycles to strengthen cash position, and enhance billing,
invoicing, and collection processes.
Commercial leadership includes; Accounting, Business development, Procurement and contracting.
Define and track commercial KPIs and dashboards. Lead financial review of proposals, pricing, RFQs, and commercial
deals. Support negotiation strategies and partnership structuring. Work closely with Marketing to evaluate ROI and
sales conversion.
Operations & SOP Optimization Diagnose operational bottlenecks that affect financial results. Recommend and
implement SOP improvements for scalability and cost efficiency. Align operational teams and commercial teams under
a shared performance framework

Company industry:
Management Consulting
Job role:
Management

Pricing / commercial manager

October 2022 - November 2024

3sixty

Cairo, Egypt

October 2022 - November 2024

Developing and implementing pricing strategies that enhance profitability.
Working closely with other teams to closely track movements in costs.
Monitoring and reporting on pricing performance and competitiveness.
Analyzing price change requests from the sales team by evaluating margin impact, potential incremental volume, and
competitor price levels.
Assist in creating promotional campaigns, and conducting pricing optimization and cost-benefit analysis.
Developing pricing proposals for new products and services.
Tracking market trends and keeping up to date on prices set by competitors.
Collaborating with product, sales, and finance teams on pricing decisions.
Staying updated with pricing best practices and market dynamics.

Company industry:
Medical & Healthcare Equipment
Job role:
Medical, Healthcare, and Nursing

Senior Business Researcher

December 2021 - September 2022

Crif gulf D&B

Cairo, Egypt

December 2021 - September 2022

Collected and analyzed large datasets related to credit risk, including financial statements, credit reports, and market
data.
Conducted research on new credit risk modeling techniques, methodologies, and tools to improve the accuracy and
efficiency of credit risk assessments.
Prepared and presented research findings and model results to stakeholders, including senior management, risk
committees, and regulatory bodies.
Conducted literature reviews to stay up-to-date with the latest research and developments in credit risk
management.
Ensured the quality and integrity of credit risk data, including data cleaning, processing,  and storage.

Company industry:
Financial Services
Job role:
Finance and Investment

venture growth consultant

September 2021 - January 2022

mimic network

Cairo, Egypt

September 2021 - January 2022

Freelancing

Company industry:
Marketing
Job role:
Information Technology

financial analyst

December 2020 - September 2021

misr Emirates for takful life insurance

Cairo, Egypt

December 2020 - September 2021

Financial Analysis: Analyze financial statements, budgets, and forecasts to identify trends, risks, and
opportunities.
Financial Modeling: Develop and maintain financial models to support business decisions, including
forecasting, valuation, and scenario planning.
Data Analysis: Collect, analyze, and interpret large datasets to identify insights and trends.
Reporting and Presentation: Prepare and present financial reports, including dashboards, charts, and
graphs, to support business decisions.
Budgeting and Forecasting: Assist in the development of annual budgets and forecasts, including
identifying areas for cost savings and efficiency improvements.

Company industry:
Insurance & TPA
Job role:
Finance and Investment

Education

The British University In Egypt

October 2020

October 2020

Bachelor's degree, Business And Finance

Egypt

London South Bank University

October 2020

October 2020

Bachelor's degree, Administration And Finance

United Kingdom

Skills

operations
Expert
operations
Expert
Marketing
Expert
Marketing
Expert
Costing
Expert
Costing
Expert
Commercial Sales
Expert
Commercial Sales
Expert
Pricing
Expert
Pricing
Expert
Power Bi
Intermediate
Power Bi
Intermediate
Excel
Expert
Excel
Expert
Data science
Beginner
Data science
Beginner
Business Analytics
Expert
Business Analytics
Expert
Finance
Intermediate
Finance
Intermediate
Project management
Expert
Project management
Expert

Languages

English
Expert
Arabic
Native Speaker

Training and Certifications

Training
anti money laundering
CRIF D&B
Jan 2025

Hobbies

  • Playing Musical Instruments