Why Tamara?

We’re proud to be Saudi’s first FinTech unicorn.
Our mission is to help people own their dreams by building the most customer-centric financial super app in the world. & There is no playbook for that; our Tamarians are writing it.
Our teams are made up of innovators, problem-solvers, and learners we thrive on curiosity and collaboration.
If this sounds like you: curious, driven, and ready to build, we’d love to meet you
Apply now and join the next generation of Builders!

About the program

At Tamara, we believe potential should be stretched early.

Our Flagship Builders Internship & Co-Op track is crafted for students who don’t want a passive internship but a real seat at the table. If you’re hungry to apply what you’ve learned, in a fast-moving, high-performance environment, this is where you begin.

Built for current students seeking internship or co-op opportunities, this track immerses you in meaningful, hands-on work across Product, Engineering, Design, and beyond giving you real ownership, not just exposure.

You’ll contribute to real projects and solve real problems, gaining the kind of exposure that most early-career experiences simply don’t offer. We treat interns and co-op students as future builders, because in many ways, they already are.

With our January and June cohorts, you’ll gain more than experience. You’ll gain momentum.

Your role

We're seeking a Regulatory Reporting Intern for our Finance team. You will support regulatory and tax compliance activities by assisting with the preparation of accurate reports and ensuring timely submissions to regulatory authorities.

Drawing on your attention to detail and understanding of financial reporting, you will contribute to preparing regulatory and prudential reports in line with IFRS, support collaboration with Compliance and Finance teams, and help validate financial data to ensure accuracy and completeness.

You will also assist with tax compliance activities including VAT, corporate income tax, and withholding tax calculations and documentation, while supporting reconciliations and tax working papers to ensure compliance with regulatory requirements.

With a proactive mindset, you will support initiatives to improve reporting processes, strengthen internal controls, and document workflows to help enhance operational efficiency.

Your responsibilities 

• Assist in preparing regulatory and prudential reports in line with IFRS.
• Support timely submissions to regulatory authorities in collaboration with Compliance and Finance teams.
• Help validate financial data to ensure accuracy and completeness.
• Assist with VAT, corporate income tax, and withholding tax calculations and documentation.
• Support monthly reconciliations and tax provision working papers.
• Help ensure compliance with other regulatory tax requirements.
• Support initiatives to enhance reporting processes and strengthen internal controls.
• Assist in documenting workflows and identifying opportunities for efficiency improvements.

Your expertise

• Bachelor’s degree in Accounting, Finance, or a related field
• 0–2 years of experience.
• Foundational understanding of IFRS and tax principles
• Strong Excel skills and analytical mindset
• High attention to detail and strong sense of ownership
• Excellent communication skills in English and Arabic

Skills:

• Proficiency in Microsoft Office, particularly Excel and Word.
• Basic understanding of financial reporting standards (IFRS) and regulatory reporting.
• Familiarity with tax concepts including VAT and corporate income tax.
• Strong analytical and problem-solving abilities.

Attributes:

• Detail-oriented and precise, with strong organizational skills.
• Proactive and dependable, committed to delivering accurate and timely outputs.
• Collaborative and adaptable, comfortable working with cross-functional teams.
• Strong sense of accountability and commitment to regulatory compliance.

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.

Responsibilities :

• Lead the preparation, accuracy, and timely issuance of monthly, quarterly, and annual financial statements for the regulated entity in accordance with IFRS and SAMA regulatory standards, in close coordination with Group Finance.
• Ensure entity-level financial records are complete, accurate, and audit-ready, supporting group consolidation and statutory reporting processes.
• Lead the preparation and submission of all SAMA regulatory returns related to payments and lending activities, ensuring full alignment with regulatory expectations, inspection requirements, and reporting timelines.
• Liaise with third parties including but not limited to SAMA, auditors, and regulators for the regulated entity, with appropriate escalation to Group Finance where required.
• Own the entity-level preparation of management accounts, ensuring consistency, accuracy, and reconciliation with group reporting standards.
• Support Group Finance on budgeting, forecasting, and FP&A, providing entity-level inputs, assumptions, variance analysis, and operational insights.
• Lead the implementation and maintenance of a robust accounting framework for payments and lending portfolios, in line with IFRS, SAMA regulations, and group accounting policies.
• Oversee finance operations related to lending facilities, working capital, settlement flows, and safeguarding accounts, ensuring regulatory compliance and operational accuracy.
• Ensure full compliance with ZATCA requirements, including VAT filings and reconciliations, withholding tax, and corporate tax (where applicable), in coordination with Group Tax and advisors.
• Coordinate with internal audit, risk, compliance, and external advisors, ensuring alignment with group governance frameworks.
• Drive continuous enhancement and effective use of the ERP and financial systems, ensuring alignment with group standards and regulatory needs.
• Continuously assess, strengthen, and maintain internal controls, finance policies, and risk management practices at the entity level.
• Lead and develop the regulated entity finance team, driving accountability, performance, and strong regulatory culture, while operating within the Group Finance functional framework.

Professional Qualifications

          Bachelor’s degree in finance, Accounting, or related field (Master’s preferred)

• Professional qualification such as SOCPA, CPA, ACCA, CA, or equivalent strongly preferred

Experience

• 10-15 years of progressive finance experience
• Strong hands-on experience in lending / financing businesses, including IFRS 9
• Experience within SAMA-regulated entities, Fintechs, banks, or finance companies strongly preferred
• Proven leadership of finance teams and complex finance operations
• Experience with ERP systems (Oracle, SAP, or equivalent)

Key Competencies

• Deep IFRS and regulatory payments/finance/lending expertise
• Strong understanding of CMA regulatory requirements
• Strong understanding of lending economics, credit risk, and portfolio accounting
• High integrity and regulatory mindset
• Leadership, succession readiness, and decision-making capability
• Ability to operate under regulatory scrutiny and executive pressure