Position Overview:

As a Credit Risk Manager you will be responsible for safeguarding the company’s financial health by identifying, assessing, and mitigating credit risks across our diverse portfolio. You’ll play a pivotal role in shaping risk strategies that balance innovation with responsibility, ensuring that BRkz.com continues to grow sustainably while protecting our customers and stakeholders. This is a high-impact role that requires strong analytical skills, regulatory knowledge, and the ability to collaborate across teams in a fast-paced fintech environment.

What You will do (Responsibilities) :

• Design and implement credit risk frameworks tailored to BRkz.com’s digital ecosystem.
• Monitor and evaluate credit exposures across diverse customer segments.
• Partner with product, finance, and compliance teams to embed risk awareness into decision-making.
• Develop predictive models and analytics to strengthen portfolio performance.
• Ensure adherence to regulatory standards and internal risk appetite.
• Provide clear, actionable insights to senior leadership through reporting and dashboards.

Who You are (Qualifications) : 

• Bachelor’s degree in Finance, Economics, Business, or related field
• 5+ years of experience in credit risk management, ideally within fintech, e-commerce, or banking.
• Strong grasp of credit risk models, regulatory frameworks (Basel III/IV), and digital lending practices.
• Analytical mindset with proficiency in risk management tools and data analysis platforms.
• Excellent communication skills and ability to influence cross-functional teams.
• Passion for innovation and building scalable, responsible financial solutions.

What we offer:

• Excellent opportunity to be part of a start-up with a lot of responsibility and independence early on and where you will have an impact on the entire business.
• The best idea wins; we are all ears when it comes to ways to do things better.
• You’ll get to experience unique technology built to empower your experience in the company and help you better serve the customers.
• Exciting stock options.
• Attractive compensation package with access to Commission, Premium Health Insurance, Family Iqama Coverage.
• Product first mindset.

Position Overview:

The FP&A Analyst will play a critical role in driving the company’s financial planning, forecasting, and analysis activities. This position requires strong analytical skills, financial expertise, and the ability to provide actionable insights that support strategic decision-making and enhance overall financial performance. The role involves working closely with senior leadership, commercial, operations, and credit teams to provide insights that shape pricing, unit economics, growth strategy, and capital allocation.

What You will do (Responsibilities) :

Financial Planning & Forecasting

• Build and maintain financial models to project future performance.
• Lead the annual budgeting process, ensuring alignment with company goals.
• Update rolling forecasts to reflect changing business conditions.

Financial Analysis

• Perform variance analysis to highlight trends, risks, and opportunities.
• Provide insights and recommendations to senior management based on financial results.
• Support strategic initiatives with scenario modeling and financial evaluation.

Reporting & Dashboards

• Prepare monthly, quarterly, and annual financial reports.
• Design and maintain dashboards to track KPIs and performance metrics.
• Analyze unit economics across customers, suppliers, products, and financing offerings
• Monitor key KPIs such as GMV, take rate, contribution margin, CAC, LTV, and credit performance
• Ensure reporting accuracy, timeliness, and compliance with standards.
• Support board materials and ad-hoc strategic analyses

Business Partnering

• Collaborate with department leaders to understand financial needs.
• Act as a trusted advisor to guide informed decision-making.
• Contribute financial expertise to cross-functional projects.
• Partner with credit and risk teams to analyze loan performance, portfolio profitability, and loss drivers
• Deliver clear, actionable insights to non-finance stakeholders

Process Improvement

• Identify opportunities to improve FP&A processes and efficiency.
• Utilize financial systems and tools to streamline reporting and analysis.
• Stay current with industry best practices and emerging trends.
• Work closely with data and accounting teams to ensure a single source of truth

Who You are (Qualifications) : 

Must Have

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration
• 2–4 years of experience in FP&A, corporate finance, or related roles.
• Advanced proficiency in financial modeling, forecasting, and variance analysis.
• Solid understanding of P&L, cash flow, and balance sheet dynamics
• Ability to translate data into clear business insights
• Strong communication skills and comfort working cross-functionally
• Strong command of Microsoft Excel and financial systems 
• Ability to take ownership of tasks, own projects end to end, and keep up with a fast paced, impact-driven environment

Nice to Have

• Professional finance qualification (CFA, ACA, ACCA, CIMA) preferred
• Exposure to credit, risk, or financing products
• Experience working in or with construction, supply chain, or B2B commerce

What we offer:

• Excellent opportunity to be part of a start-up with a lot of responsibility and independence early on and where you will have an impact on the entire business.
• The best idea wins; we are all ears when it comes to ways to do things better.
• You’ll get to experience unique technology built to empower your experience in the company and help you better serve the customers.
• Exciting stock options.
• Attractive compensation package with access to Premium Health Insurance 
• Product first mindset.

Position Overview:

The Accounts Payable (AP) Accountant plays a key role in ensuring the accurate and timely processing of invoices, payments, and reconciliations. This position requires strong attention to detail, adherence to financial policies, and collaboration with internal teams and external vendors to maintain smooth financial operations.

What You will do (Responsibilities) :

• Invoice Processing & Management:
  o Process and verify invoices, ensuring they are coded and posted accurately.
  o Ensure invoices align with purchase orders, contracts, and company policies.
  o Manage a high volume of transactions while maintaining accuracy.
• Payment Processing:
  o Prepare and process payments to vendors, including checks, ACH transfers, and wire payments.
  o Ensure payments are made in a timely manner, adhering to agreed terms.
  o Monitor and reconcile accounts to ensure proper allocation of payments.
• Reconciliation & Reporting:
  o Reconcile vendor accounts and resolve discrepancies as needed.
  o Prepare monthly AP aging reports and assist with cash flow forecasting.
  o Support month-end closing processes, including account reconciliations.
• Compliance & Controls:
  o Ensure AP activities comply with internal policies, IFRS standards, and audit requirements.
  o Maintain and enforce internal controls to minimize errors and prevent fraud.
• Collaboration & Communication:
  o Work closely with procurement, operations, and other teams to resolve invoice and payment discrepancies.
  o Communicate with vendors to resolve any queries and maintain positive business relationships.
• Process Improvement:
  o Assist in identifying and implementing process improvements to enhance AP efficiency.
  o Support the automation of AP workflows and integration with financial systems.

Who You are (Qualifications) : 

• Bachelor’s degree in Accounting, Finance, or a related field.
• At least 2 years of experience in accounts payable or a similar role.
• Strong knowledge of AP processes, IFRS standards, and internal controls.
• Proficient in Microsoft Excel and financial software tools.
• Strong analytical, problem-solving, and organizational skills.
• Effective communication and interpersonal skills.
• Ability to work under pressure and meet deadlines.

Preferred:
• Experience with AP automation or system implementation projects.
• Familiarity with ZOHO Books.
• Knowledge of ZATCA requirements.

What we offer:

• Great opportunity to be part of a start-up with a lot of responsibility and independence early on and where you will have an impact on the entire business.
• The best idea wins; we are all ears when it comes to ways to do things better.
• Exciting stock options and Premium health insurance.
• Attractive compensation package.
• Product first mindset.

This role is ideal for an AP professional with at least two years of experience, looking to further develop their expertise while contributing to a dynamic finance team.

Position Overview:

The Accounts Receivable (AR) Accountant  plays a key role in managing and overseeing the full cycle of accounts receivable activities, ensuring accurate customer billing, timely collection of receivables, and proper transaction recording. This role requires strong analytical skills, attention to detail, and a solid understanding of AR processes and accounting principles. The Senior AR Accountant collaborates with cross-functional teams and is key in maintaining healthy cash flow and financial accuracy.

What You will do (Responsibilities) :

• Accounts Receivable Management:
  • Oversee day-to-day AR operations, including invoicing, collections, and customer account maintenance.
  • Monitor customer accounts to ensure timely payment and resolve outstanding balances.
  • Review and ensure proper posting and coding of AR transactions in line with company policies and accounting standards.
  • Maintain the AR ledger and ensure accurate aging analysis.
  • Record customer payments and apply them accurately against open invoices.
  • Reconcile accounts receivable transactions and ensure proper documentation.
  • Monitor customer accounts for non-payments, delayed payments, and other irregularities.
• Month-End & Year-End Closing:
  • Lead the AR portion of the month-end and year-end closing activities.
  • Prepare and review AR journal entries, accruals, adjustments, and account reconciliations.
  • Prepare and review Monthly ECL provisions.
  • Assist with the preparation of AR-related financial reports and supporting documentation.
• Customer Account Reconciliation & Reporting:
  • Perform regular reconciliations of customer accounts and resolve discrepancies promptly.
  • Generate and analyze AR aging reports, highlighting risks and recommending collection strategies.
  • Support internal and external audits by providing the required AR documentation and responses.
•  Compliance & Controls:
  • Ensure AR activities comply with company policies, IFRS standards, and regulatory requirements.
  • Maintain and enforce effective internal controls over billing and collections processes.
  • Assist in the implementation and documentation of AR policies and procedures.
•  Cash Flow Monitoring & Forecasting:
  • Monitor incoming payments and contribute to cash flow forecasting.
  • Provide input on expected cash collections and overdue balances to support treasury functions.
  • Collaborate with finance and sales departments to ensure accurate projections and collection targets.
• Collaboration & Communication:
  • Work closely with Sales, Procurement, Operations and other internal teams to resolve billing issues and improve AR processes.
  • Act as a point of contact for escalated AR matters and key customer accounts.
  • Provide guidance and mentorship to junior AR/accounting staff.
•  Process Improvement & System Enhancements:
  • Identify opportunities for improving AR processes and operational efficiency.
  • Support the implementation and optimization of AR automation tools or ERP system enhancements.

Who You are (Qualifications) : 

• Bachelor’s degree in accounting, Finance, or a related field.
• 2 to 4 years of experience in accounts receivable, billing, or a related accounting role.
• Strong knowledge of AR processes, revenue recognition, and internal controls.
• Advanced Excel skills and proficiency in accounting systems (ZOHO Books, or similar).
• Excellent analytical, organizational, and problem-solving abilities.
• Strong communication and interpersonal skills.
• Ability to work independently and manage multiple priorities under tight deadlines.

Preferred:

• Experience with VAT return.
• Familiarity with ZOHO Books or similar financial software.
• Knowledge of credit management, tax compliance, and regulatory reporting.

What we offer:

• Great opportunity to be part of a start-up with a lot of responsibility and independence early on and where you will have an impact on the entire business.
• The best idea wins; we are all ears when it comes to ways to do things better.
• Exciting stock options and Premium health insurance.
• Attractive compensation package.
• Product first mindset.