This research aims to examine the relationship between governance mechanisms and credit risk in Egyptian banks, with a focus on the moderating role of financial technology (FinTech) in this relationship. The study adopted a quantitative approach using a questionnaire to measure the key variables. The sample included 120 participants from executive leadership in six major Egyptian banks (National Bank of Egypt, Banque Misr, Banque du Caire, Bank of Alexandria, Commercial International Bank, and Crédit Agricole Egypt), achieving a complete response rate of 100%. The results of multiple linear regression analysis revealed a statistically significant positive relationship between governance mechanisms and credit risk (β = 3.417; Sig = 0.040) with high explanatory power, as the adjusted coefficient of determination reached 87.1%. The findings also confirmed a significant positive interactive effect of financial technology on the relationship between governance mechanisms and credit risk (β = 3.299; Sig = 0.000), indicating that the interaction of financial technology with sound governance mechanisms enhances the efficiency of credit risk management in Egyptian banks.