About us

Tamara is the leading fintech platform in Saudi Arabia and the wider GCC region with a mission to help people make their dreams come true by building the most customer-centric financial super-app on earth. The company serves millions of users in KSA, UAE and Kuwait, and partners with leading global and regional brands such as SHEIN, Jarir, noon, Amazon, IKEA, eXtra and Farfetch as well as small and medium businesses.

Tamara is Saudi’s first fintech unicorn and is backed by Sanabil Investments, SNB Capital, Checkout.com, amongst others, operating out of its headquarters in Riyadh, Saudi Arabia with other regional and global support offices.

About the role

This is a startup-within-a-startup role. You will be responsible for building a net new banking product from scratch for the Saudi Arabia market — from ideation through design and launch.

This role is high ambiguity, high complexity, and requires someone who thrives in uncharted territory. There is no playbook — you will write it. You must be comfortable navigating ambiguity, making tactical trade-offs, and moving with execution velocity.

As Product Manager, you will own the end-to-end product lifecycle of a new fintech product that will advance how merchants at Tamara manage their money. You will work daily with a full-stack team — engineers, product designers, researchers, data analysts, operations, and business stakeholders — to ship an innovative and incredible experience.

Key Responsibilities:

• Own the execution, vision & strategy for a net new fintech vertical.
• Work with engineers, designers, data scientists, and commercial teams to drive the roadmap for a net-new product.
• Be technically competent enough to be able to decide on the execution plan while managing several internal technical dependencies.
• Deeply understand the KSA Fintech ecosystem, compliance rules & regulations — and understand how it may impact your roadmap.
• Deeply understand the operational impacts of the products we are releasing & work with risk, compliance, treasury, customer support and others to ensure product success.
• Prototype rapidly using tools like Cursor, Claude & Codex to accelerate product development work.
• Contribute to commercial planning & GTM of the product and own the outcomes.
• Lead a core team of engineers & designers and drive the end to end execution forward.
• Contribute to the evolution of Tamara’s Product Management practices as AI scales our work.

Qualifications:

• You have 4+ years of Product Management experience, with proven experience building 0—>1 products that have shipped and scaled.
• You have worked with early stage product teams or startups and have successfully taken a product from concept to launch.
• You have strong UX taste — you care deeply about the end-to-end customer experience and can hold a high bar for product quality.
• You have experience working on complex, multi-surface products with a large blast radius of impact.
• You are a strong collaborator who works effectively with engineering, design, data, and operations teams on a daily basis.
• You are data-driven — you have strong analytical skills, are comfortable with experimentation, and can use data to inform decisions and measure outcomes.
• You are able to think from first principles, break down complex problems, and navigate ambiguity with confidence.
• You have strong business acumen — you understand unit economics, business models, and can make decisions that balance customer value with business outcomes.
• You understand regulatory requirements and operational considerations that come with building financial products.
• You are customer-obsessed — you aren’t shy about getting on calls with merchants, visiting them, and deeply understanding their needs.
• FinTech experience — you have worked on financial products before and understand the nuances of payments, banking, lending, or adjacent spaces.
• Must have the ability to use AI in their day to day to work. Preferred experience working in high-growth companies.
• Arabic speaking is required for this role — you will work closely with merchants and stakeholders in KSA.

All qualified individuals are encouraged to apply.

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.