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.