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senior financial institutions credit analyst

Bank ABC

<div>
 
 Bank ABC seeks to recruit a Senior Financial Institutions Credit Analyst in the Head Office Credit Department based in our Head Office, in Bahrain.
 
 
 
 
 
 The job holder will be responsible to:
 
 <ul>
 <li>
 Review/ analyze credit applications submitted by RMs/product specialists/Business Units Coverage, and support Credit Committees/BRC in decision making by providing independent credit opinion/analysis to the Committees.
 </li>
 <li>
 Act as the second line of defense providing timely and effective credit reviews of credit applications related to Financial Institutions and Sovereigns credit risk underwriting proposals. This includes limits, credit products, assessing the creditworthiness of the existing and potential obligors, internal obligor risk ratings
 </li>
 </ul>
 
 
 
 
 
 
 Responsibilities of the role:
 
 
 
 
 Reporting to the Group Chief Credit Officer, the job holder will:
 
 
 
 
 Credit Analysis &amp; Credit Review:
 
 
 
 <ul>
 <li>
 Review/ analyze credit applications submitted by RMs/product specialists/Business Units Coverage, and support Credit Committees/BRC in decision making by providing independent credit opinion/analysis to the Committees.
 </li>
 <li>
 Act as the second line of defense providing timely and effective credit reviews of credit applications related to Financial Institutions and Sovereigns credit risk underwriting proposals. This includes limits, credit products, assessing the creditworthiness of the existing and potential obligors, internal obligor risk ratings.
 </li>
 <li>
 Conducting counterparty fundamental credit risk analysis and credit review assessment of the creditworthiness of the Sovereign and Financial Institution clients (Banks, Sovereigns, Non-Banking Financial Institutions, Supranationals, MDBs including assessment and financial analysis e.g., using the CAMELS format). The main purpose is to minimize credit losses/potential future ECLs, in addition to proposing internal obligor risk rating that meets the internal ABC criteria
 </li>
 <li>
 Review, check and assign the appropriate risk rating to each counterparty obligor in ABC Group portfolio to reflect the true and fair condition of the credit risk profile before presenting to Credit Committee/BRC.
 </li>
 <li>
 Identify red flags and early warning signs of immediate &amp;/or developing risks based on the credit analysis, industry and country risks. Take proactive action in coordinating with the RMs/product specialists/Business Units Coverage in order to initiate preventive/corrective measures for regularizing the accounts, and avoiding any potential downgrade/default/losses.
 </li>
 <li>
 Supporting credit committees/BRC in the evaluation, communications, and comprehension of credit applications (new deals, renewals, recaps, annual reviews, waivers etc.) via providing risk assessment and identifying material key risk issues and any other required information to the credit committee members/BRC for credit decision making; while addressing Credit Committee/BRC concerns as and when requested.
 </li>
 <li>
 Assess potential credit risk transactions: providing an independent and forward-looking objective credit assessment, opinions, and recommendation on the credit quality of proposed counterparties obligors, recognition, and mitigation of credit risks, and raise any potential concerns to the relevant Committee.
 </li>
 <li>
 Initiate, prepare and present executive presentations on any specific or general subjects related to FIs and Sovereigns that would instigate Credit Committee discussion in the periodic Committee meetings as and when requested.
 </li>
 <li>
 Ensure consistent application of and adherence to/compliance with the relevant credit policies/standards/procedures as required
 </li>
 </ul>
 
 
 
 
 
 
 Portfolio Management:
 
 
 
 <ul>
 <li>
 Analyze the ABC Group FI portfolio at least on annual basis.
 </li>
 <li>
 Active credit quality monitoring and update of the analysis of counterparties and existing risk ratings, especially during the regular annual reviews.
 </li>
 <li>
 Actively and promptly coordinating with external Credit Rating Agencies to acquire recent and latest updates on counterparties and portfolio reporting.
 </li>
 <li>
 Evaluate and monitor ABC Group portfolio of Sovereigns and FIs, including industry and country reports and make recommendations through reviewing the Bulk Reviews of the FIs.
 </li>
 <li>
 Maintaining appropriate risk disciplines and unified standards specific to ABC Group FIs and Sovereigns credit portfolio.
 </li>
 <li>
 Effectively manage and monitor the credit risks inherent in the ABC Group FIs and Sovereign portfolio.
 </li>
 <li>
 Escalate any material credit related issues or deteriorating conditions in the portfolio to be cascaded to the relevant stakeholders as and when required.
 </li>
 <li>
 Perform other credit monitoring and reporting responsibilities, such as monitoring triggers and covenants, and performing stress tests etc.
 </li>
 <li>
 Highly efficient and effective response to ad-hoc credit requests and performing stress test with high accuracy as and when requested.
 </li>
 <li>
 Maintain consistency, control and be fully aware of any developments in the FI Sector including regulatory developments, country events in geographies under your responsibility and current affairs.
 </li>
 <li>
 Coordinate with the FI Team in corresponding to the Central Bank of Bahrain &ldquo;CBB&rdquo; on any information requested
 </li>
 </ul>
 
 
 
 
 
 
 IFRS9 Credit Related Support:
 
 
 
 <ul>
 <li>
 Identifying material events of Significant Increase in Credit Risk triggering Stage 2 classification.
 </li>
 <li>
 Supporting Credit Risk Management in assessments and discussions related to credit risk rating migration and exposure classifications under Stage 1 / Stage 2 / Stage 3 as per IFRS 9 standard.
 </li>
 <li>
 Reviewing and recommending confirmation or overrides for Stage 2 names.
 </li>
 <li>
 Assist in the completion of the IFRS9 tasks/projects
 </li>
 </ul>
 
 
 
 
 
 
 Areas of Knowledge, Qualification and Experience
 
 
 
 <ul>
 <li>
 Experience in credit review and credit risk management related functions, preferably having experience in FI Credit
 </li>
 <li>
 Minimum of a Bachelors degree. A postgraduate MSc/MBA degree &amp;/or professional qualification is a plus/preferred and an added advantage
 </li>
 <li>
 Knowledge of accounting principles, financial statement analysis, banking products and services with strong credit analytical skills.
 </li>
 <li>
 Good understanding and familiarity of the Bank/FI market, credit products.
 </li>
 <li>
 An understanding of the Bank&rsquo;s lending policies, procedures, and practices.
 </li>
 <li>
 Should possess good analytical skills and awareness of various financial products / services.
 </li>
 <li>
 Should have good analytical skills to analyze Banking Industry and analyze individual bank&rsquo;s capital, asset quality, profitability, and liquidity.
 </li>
 <li>
 Participate in the development of credit / risk management policies, standards, procedures, and processes
 </li>
 </ul>
 
 
</div>

Senior Financial Institutions Credit Analyst

Mind Friend PRO

<div>Location: Hybrid (International)
Travel: Frequent &ndash; Must be able to travel with 24 hours&rsquo; notice
Compensation: USD $200K + Bonus + Commission Top-tier salary + all travel expenses covered
Important: Read Before Applying
This is not an academic, research, or entry-level policy role.
We are seeking a senior professional with direct, hands-on experience working with governments, sovereign wealth funds, or government-related investment and financial institutions in the GCC region.
Candidates without practical government or sovereign-level experience will not be considered.
Role Overview
We are appointing a senior-level advisor to act as a strategic liaison between European stakeholders and government or sovereign entities across the Gulf region.
This role requires:<ul><li>
Real operational experience inside or alongside government
</li><li>Established relationships within sovereign or ministerial circles
</li><li>Strong geopolitical judgement
</li><li>Ability to navigate high-level institutional environments</li></ul> 

Requirements 
 
Candidates who do not meet all of the following criteria will not be considered:Mandatory Requirements (Non-Negotiable)
Applicants must demonstrate:<ul><li>
Minimum 5&ndash;10 years senior-level experience
</li><li>Direct experience working:
</li><li><ul><li>Inside a government ministry (GCC preferred), OR
</li><li>For a sovereign wealth fund, OR
</li><li>For a government-related investment authority, OR
</li><li>Within financial, trade, energy, defence, or commerce authorities
</li><li>Demonstrated professional experience working in Qatar, UAE, Bahrain, Kuwait, Oman and/or Saudi Arabia
</li></ul></li></ul><ul><li>Proven exposure to decision-making environments at senior institutional level
</li><li>Experience managing relationships with:
</li><li><ul><li>Sovereign wealth funds
</li><li>Ministries
</li><li>Government investment bodies
</li><li>Financial regulators
</li><li>Energy or defence authorities
</li></ul></li></ul><ul><li>Fluent in Arabic and English (spoken, written, and reading at professional level)
</li><li>Minimum Bachelor&rsquo;s degree (Master&rsquo;s preferred)
</li><li>Ability to travel internationally within 24 hours&rsquo; notice</li><li>
Highly discreet, professional, and culturally aware</li><li>
Ability to manage high-level communications between European stakeholders and Gulf counterparts
</li></ul>Applications that do not meet these criteria will not be considered.
Additional Advantage<ul><li>
Fluency in additional languages beyond Arabic and English.</li><li>
Established network within Gulf state regulatory or governmental bodies.</li><li>
Existing relationships within GCC sovereign institutions
</li><li>Background in investments, finance, trade, defence, or energy sectors
</li><li>Experience managing politically sensitive cross-border matters
</li><li>Established credibility within government-linked entities</li></ul>
Profiles We Are Seeking
We are interested in professionals who have:<ul><li>
Worked at senior level within a GCC ministry
</li><li>Held roles in sovereign wealth funds (e.g., investment, strategy, international partnerships)
</li><li>Operated in government-backed investment platforms
</li><li>Managed cross-border institutional or state-linked projects
</li><li>Served in senior advisory roles to ministers, boards, or sovereign institutions
</li></ul>Profiles We Are NOT Seeking<ul><li>
Academic researchers without government operational exposure
</li><li>Entry-level policy analysts
</li><li>Construction or infrastructure project managers
</li><li>Real estate project managers
</li><li>Junior consultants without sovereign-level experience
</li></ul>Core Responsibilities<ul><li>
Lead strategic engagement with government and sovereign stakeholders
</li><li>Navigate institutional processes within GCC entities
</li><li>Support cross-border investment and advisory discussions
</li><li>Prepare executive-level briefing materials
</li><li>Represent the organisation in high-level meetings when required
</li><li>Maintain strict discretion and professional integrity</li></ul>
Application Requirement
In your application, you must clearly state:<ul><li>
Government or sovereign entity you worked for
</li><li>Your level of seniority
</li><li>Nature of decision-making exposure
</li><li>Countries of operation
</li><li>Years of direct government-related experience
</li></ul>Applications that do not clearly demonstrate relevant government or sovereign experience will not proceed. 
Benefits 
Top-Tier Salary: (USD $ 200,000+ Annually) Plus Bonus a highly competitive compensation package.
Full Expense Coverage: All business travel and logistical expenses are fully paid.
Hybrid Environment: A flexible working model combining remote work with essential on-site presence.
Professional Prestige: Work within a high-stakes, international professional environment at the intersection of European and Gulf commerce.</div>

Arabic-Speaking Government & Sovereign Affairs Advisor (USD200K)

MindFriend PRO

<div>
 
 Location:
 
 Hybrid (International)
 
 
 
 Travel:
 
 Frequent - Must be able to travel with 24 hours' notice
 
 
 
 Compensation:
 
 
 USD $200K
 
 
 + Bonus
 
 
 +
 
 
 Commission
 
 Top-tier salary + all travel expenses covered
 
 
 
 
 Important: Read Before Applying
 
 
 
 
 This is
 
 not an academic, research, or entry-level policy role
 
 .
 
 
 We are seeking a senior professional with
 
 direct, hands-on experience working with governments, sovereign wealth funds, or government-related investment and financial institutions in the GCC region.
 
 
 
 Candidates without practical government or sovereign-level experience will not be considered.
 
 
 
 Role Overview
 
 
 
 We are appointing a senior-level advisor to act as a strategic liaison between European stakeholders and government or sovereign entities across the Gulf region.
 
 
 This role requires:
 
 
 <ul>
 <li>
 Real operational experience inside or alongside government
 </li>
 <li>
 Established relationships within sovereign or ministerial circles
 </li>
 <li>
 Strong geopolitical judgement
 </li>
 <li>
 Ability to navigate high-level institutional environments
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 
 Candidates who do not meet all of the following criteria will not be considered:
 
 
 
 
 Mandatory Requirements (Non-Negotiable)
 
 
 
 Applicants must demonstrate:
 
 
 <li>
 Minimum 5-10 years senior-level experience
 </li>
 <li>
 Direct experience working:
 </li>
 <li>
 Inside a government ministry (GCC preferred), OR
 </li>
 <li>
 For a sovereign wealth fund, OR
 </li>
 <li>
 For a government-related investment authority, OR
 </li>
 <li>
 Within financial, trade, energy, defence, or commerce authorities
 </li>
 <li>
 Demonstrated professional experience working in Qatar, UAE, Bahrain, Kuwait, Oman and/or Saudi Arabia
 </li>
 <li>
 Proven exposure to decision-making environments at senior institutional level
 </li>
 <li>
 Experience managing relationships with:
 </li>
 <ul>
 <li>
 Sovereign wealth funds
 </li>
 <li>
 Ministries
 </li>
 <li>
 Government investment bodies
 </li>
 <li>
 Financial regulators
 </li>
 <li>
 Energy or defence authorities
 </li>
 <li>
 Fluent in Arabic and English (spoken, written, and reading at professional level)
 </li>
 <li>
 Minimum Bachelor's degree (Master's preferred)
 </li>
 <li>
 Ability to travel internationally within 24 hours' notice
 </li>
 <li>
 Highly discreet, professional, and culturally aware
 </li>
 <li>
 Ability to manage high-level communications between European stakeholders and Gulf counterparts
 
 
 </li>
 </ul>
 
 
 Applications that do not meet these criteria will not be considered.
 
 
 
 
 
 Additional Advantage
 
 
 
 <ul>
 <li>
 Fluency in additional languages beyond Arabic and English
 </li>
 <li>
 Established network within Gulf state regulatory or governmental bodies
 </li>
 <li>
 Existing relationships within GCC sovereign institutions
 </li>
 <li>
 Background in investments, finance, trade, defence, or energy sectors
 </li>
 <li>
 Experience managing politically sensitive cross-border matters
 </li>
 <li>
 Established credibility within government-linked entities
 
 
 </li>
 </ul>
 
 
 Profiles We Are Seeking
 
 
 
 
 We are interested in professionals who have:
 
 
 <ul>
 <li>
 Worked at senior level within a GCC ministry
 </li>
 <li>
 Held roles in sovereign wealth funds (e.g., investment, strategy, international partnerships)
 </li>
 <li>
 Operated in government-backed investment platforms
 </li>
 <li>
 Managed cross-border institutional or state-linked projects
 </li>
 <li>
 Served in senior advisory roles to ministers, boards, or sovereign institutions
 
 
 </li>
 </ul>
 
 
 Profiles We Are NOT Seeking
 
 
 
 
 <ul>
 <li>
 Academic researchers without government operational exposure
 </li>
 <li>
 Entry-level policy analysts
 </li>
 <li>
 Construction or infrastructure project managers
 </li>
 <li>
 Real estate project managers
 </li>
 <li>
 Junior consultants without sovereign-level experience
 
 
 </li>
 </ul>
 
 Core Responsibilities
 
 
 
 <ul>
 <li>
 Lead strategic engagement with government and sovereign stakeholders
 </li>
 <li>
 Navigate institutional processes within GCC entities
 </li>
 <li>
 Support cross-border investment and advisory discussions
 </li>
 <li>
 Prepare executive-level briefing materials
 </li>
 <li>
 Represent the organisation in high-level meetings when required
 </li>
 <li>
 Maintain strict discretion and professional integrity
 
 
 </li>
 </ul>
 
 
 Application Requirement
 
 
 
 
 In your application, you must clearly state:
 
 
 <ul>
 <li>
 Government or sovereign entity you worked for
 </li>
 <li>
 Your level of seniority
 </li>
 <li>
 Nature of decision-making exposure
 </li>
 <li>
 Countries of operation
 </li>
 <li>
 Years of direct government-related experience
 
 
 </li>
 </ul>
 Applications that do not clearly demonstrate relevant government or sovereign experience will not proceed.
 
 
 
 Benefits
 
 
 
 
 Top-Tier Salary:
 
 (USD $ 200,000+ Annually) Plus Bonus a highly competitive compensation package.
 
 
 
 Full Expense Coverage:
 
 All business travel and logistical expenses are fully paid.
 
 
 
 Hybrid Environment:
 
 A flexible working model combining remote work with essential on-site presence.
 
 
 
 Professional Prestige:
 
 Work within a high-stakes, international professional environment at the intersection of European and Gulf commerce.
</div>

VAM Systems Inc

VAM Systems is currently looking for AI/ML Specialists (Data Scientists/ ML Engineer) (On-Site) for our Bahrain operations with the following skillsets and terms &amp; conditions:Years of Experience: 7 &ndash; 10 yearsQualificationBachelor&rsquo;s Degree in Computer Science / Engineering Preferably BE Computer Science &amp; EngineeringProfessional Training Required: Machine Learning, Deep Learning, MLOps, AI in Financial Services. Professional Qualification Required: Google Professional ML Engineer, Microsoft AI Engineer Associate Professional Licenses Required Not applicable. Professional Certifications Required: TensorFlow Developer Certificate, AWS Certified Machine Learning.Must-Have:Proven hands-on delivery experience in banking, financial institutions, or insurance within Gen AI solutions such as chatbots, document analysis, etc., leveraging RAG and robust architecture with proper governance and security measuresSeveral years of ML experience with implemented use cases. Hands-on work experience most of which in banking, financial institutions, or insurance industries.Experience required:Ability to build and deploy ML models using Python and relevant libraries. Understanding of supervised and unsupervised learning algorithms. Experience with model evaluation and performance metrics.Familiarity with AI use cases in banking (e.g., fraud detection, personalization) Knowledge of data preprocessing and feature engineering. Ability to work with cloud-based ML platforms (e.g., Azure ML, AWS SageMaker). Understanding of MLOps and model lifecycle management. Ability to communicate insights and build explainable AI models.Job Responsibility:Design and develop machine learning models to support AI-driven banking solutions Collaborate with data engineers to access and prepare data for modeling Apply statistical and ML techniques to solve business problems (e.g., churn prediction, credit scoring) Evaluate model performance and optimize for accuracy, precision, and recall Deploy models into production using MLOps frameworks and CI/CD pipelines Ensure models are explainable, auditable, and compliant with regulatory standards Work with business stakeholders to identify AI opportunities and define success metrics Document model assumptions, data sources, and performance benchmarks.Core AI / NLP Engineering<ul><li>Python (PyTorch, TensorFlow, LangChain, Hugging Face, OpenAI API, Anthropic Claude, etc.)</li><li>LLM fine-tuning (LoRA, PEFT, prompt tuning)</li><li>Retrieval-Augmented Generation (RAG), vector databases (Pinecone, FAISS, Weaviate, Chroma)</li><li>Prompt engineering and orchestration (LangChain, LlamaIndex, Semantic Kernel, DSPy)</li><li>Knowledge of embeddings, tokenization, and transformer architecture</li><li>Cloud AI tools: AWS Bedrock, Azure OpenAI, Vertex AI, OpenSearch, ElasticSearch</li></ul>Model evaluation: hallucination detection, grounding, and benchmarking (BLEU, ROUGE, TruthfulQA, etc.)Software Engineering &amp; Backend IntegrationRESTful and GraphQL APIs, webhooks<ul><li>Containerization and deployment (Docker, Kubernetes, CI/CD)</li><li>Authentication and user/session management</li><li>Data pipelines and microservices</li><li>Knowledge of frameworks like FastAPI, Flask, NestJS, or Express</li><li>Integration with enterprise data (SharePoint, Salesforce, SQL, internal APIs)</li></ul>Agent Orchestration &amp; Tooling <ul><li>LangGraph, AutoGen, CrewAI, Flowise, or similar agent frameworks</li><li>Task-decomposition and reasoning chains</li><li>Function calling, tool use, and API chaining</li><li>Memory design (short-term vs long-term)</li><li>Context management and grounding strategies.</li></ul>Conversational UX / Design <ul><li>Conversation design frameworks (Google CCAI, Microsoft Bot Framework, Voiceflow, Botpress)</li><li>Flow design and intent management (Dialogflow, Rasa, Cognigy)</li><li>Tone, empathy, and personality design for AI personas</li><li>A/B testing dialogue variants and measuring user satisfaction.</li></ul>Data &amp; Infrastructure Data pipelines (Airflow, dbt, Kafka)<ul><li>Structured/unstructured data ingestion (PDFs, databases, APIs)</li><li>Feature store and model registry management (MLflow, Kubeflow)</li><li>Vector database deployment and optimization</li><li>Monitoring, logging, and drift detection.</li></ul>Governance, Security &amp; Compliance <ul><li>Model explainability (SHAP, LIME)</li><li>Bias/fairness audits and data privacy</li><li>Compliance with GDPR, ISO 42001, NIST AI RMF, and local banking regulations</li><li>Secure prompt logging and audit trails.</li></ul>Products &amp; Strategy <ul><li>Translating business problems into AI use cases</li><li>Roadmapping and budget planning</li><li>KPI design (accuracy, user satisfaction, automation ROI)</li><li>Vendor management (OpenAI, Anthropic, AWS, etc.)</li><li>Change management and user adoption</li></ul>Joining time frame: (15 - 30 days)Job Type: Full-time

AI/ML Specialists (Data Scientists/ ML Engineer)

stc pay Bahrain

<div>
 
 
 Job Specifications:
 
 
 
 Strategic Contribution
 
 <ul>
 <li>
 Design and execute the overall Business Development &amp; Sales strategy aligned with corporate growth objectives.
 </li>
 <li>
 Develop annual and multi-year business development plans, setting ambitious yet achievable revenue and expansion targets.
 </li>
 <li>
 Identify new verticals, use cases, and market opportunities within fintech, payments, and embedded finance ecosystems.
 </li>
 <li>
 Define go-to-market strategies for new products and services across enterprise and government segments.
 </li>
 <li>
 Monitor industry trends, competitive landscape, regulatory developments, and emerging technologies to ensure strategic positioning.
 </li>
 <li>
 Report regularly to executive leadership and Board on pipeline health, revenue performance, and strategic initiatives.
 </li>
 </ul>
 
 Strategic Business Development
 
 <ul>
 <li>
 Identify, pursue, and close high-value strategic partnerships with government entities, sovereign wealth funds, regulatory bodies, and public sector institutions.
 </li>
 <li>
 Engage with enterprises, conglomerates, banks, and financial institutions to offer enterprise-grade fintech solutions.
 </li>
 <li>
 Structure and negotiate complex deals including:
 </li>
 <li>
 BIN sponsorship arrangements for card product launches
 </li>
 <li>
 Mobile Wallet-as-a-Service (WaaS) white-label or co-branded platforms
 </li>
 <li>
 Remittance service provider aggregation partnerships
 </li>
 <li>
 Customized payment acceptance and embedded finance solutions
 </li>
 <li>
 Build and maintain long-term relationships with C-suite executives, government officials, regulators, and key decision-makers.
 </li>
 <li>
 Lead RFP responses, public sector tender submissions, and large-scale procurement engagements.
 </li>
 <li>
 Structure innovative commercial models including revenue-share agreements, equity partnerships, and risk-sharing frameworks.
 </li>
 </ul>
 
 Solution Architecture &amp; Consultative Selling
 
 <ul>
 <li>
 Understand complex client business, regulatory, and technical requirements and translate them into commercially viable solutions.
 </li>
 <li>
 Collaborate closely with Product, Technology, Compliance, Legal, and Operations teams to develop tailored offerings.
 </li>
 <li>
 Develop compelling business cases, ROI models, and financial projections for enterprise and government clients.
 </li>
 <li>
 Lead contract negotiations, pricing strategy discussions, and partnership structuring.
 </li>
 <li>
 Serve as trusted advisor to clients on digital payments transformation and fintech innovation strategies.
 </li>
 </ul>
 
 Regional Expansion
 
 <ul>
 <li>
 Develop and execute market entry strategies across GCC and MENA markets.
 </li>
 <li>
 Conduct detailed market research and competitive analysis to identify expansion opportunities.
 </li>
 <li>
 Establish relationships with regulators, central banks, and government authorities in target jurisdictions.
 </li>
 <li>
 Navigate regulatory frameworks, licensing processes, and compliance requirements across markets.
 </li>
 <li>
 Build local strategic partnerships and distribution channels to accelerate market penetration.
 </li>
 <li>
 Adapt product and commercial models to regional requirements including Islamic finance and Sharia-compliant structures where applicable.
 </li>
 </ul>
 
 Sales Leadership &amp; Team Management
 
 <ul>
 <li>
 Build, lead, and scale the sales organization from early stage to full commercial maturity.
 </li>
 <li>
 Recruit, develop, and retain high-caliber sales talent across enterprise and public sector segments.
 </li>
 <li>
 Set sales strategy, targets, quotas, and KPIs aligned with corporate revenue objectives.
 </li>
 <li>
 Establish governance frameworks, sales processes, and performance management systems.
 </li>
 <li>
 Oversee pipeline management, forecasting accuracy, and revenue predictability.
 </li>
 <li>
 Coach and mentor sales leaders and team members to maximize productivity and professional growth.
 </li>
 <li>
 Foster a culture of accountability, excellence, collaboration, and continuous improvement.
 </li>
 </ul>
 
 Cross-Functional Collaboration
 
 <ul>
 <li>
 Partner with Product teams to influence roadmap development based on market feedback and client needs.
 </li>
 <li>
 Work closely with Legal and Compliance on regulatory matters and contract structuring.
 </li>
 <li>
 Collaborate with Marketing on positioning, messaging, and demand generation strategies.
 </li>
 <li>
 Coordinate with Operations and Customer Success on client onboarding and service delivery excellence.
 </li>
 <li>
 Align with Finance on pricing models, deal economics, revenue recognition, and profitability tracking.
 </li>
 </ul>
 
 Change Management &amp; Continuous Improvement
 
 <ul>
 <li>
 Lead initiatives to continuously improve sales processes, commercial frameworks, and partnership models.
 </li>
 <li>
 Drive digital transformation initiatives within the commercial function.
 </li>
 <li>
 Identify efficiency enhancements, automation opportunities, and cost optimization initiatives.
 </li>
 <li>
 Promote innovation in deal structuring and commercial engagement models.
 </li>
 </ul>
 
 Reporting &amp; Compliance
 
 <ul>
 <li>
 Ensure accurate and timely reporting of business development activities and revenue performance.
 </li>
 <li>
 Present periodic updates to executive leadership and Board of Directors.
 </li>
 <li>
 Ensure compliance with all regulatory requirements, internal governance standards, and contractual obligations.
 </li>
 <li>
 Maintain high ethical standards in all negotiations and commercial engagements.
 </li>
 </ul>
 
 Qualification &amp; Experience:
 
 
 
 Minimum requirements:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business Administration, Finance, Economics, Engineering, or related field
 </li>
 </ul>
 
 
 Preferred:
 
 
 <ul>
 <li>
 Minimum 10 years of progressive experience in business development, strategic partnerships, or enterprise sales, with at least 5 years in senior leadership roles managing sales teams and P&amp;L responsibility.
 </li>
 <li>
 Proficiency in English and Arabic
 </li>
 </ul>
 
 
 
</div>

Head of Business Development & Sales

STC Bahrain

<div>Job Objective: 
To lead the development and execution of stc pay business development and enterprise sales strategy, driving revenue growth through strategic partnerships and high‑value fintech deals. The role secures complex enterprise agreements, expands regional market presence, and builds a high‑performing sales organization aligned with long‑term profitability and market leadership.
Job Specifications: 
Strategic Contribution<ul><li>
Design and execute the overall Business Development &amp; Sales strategy aligned with corporate growth objectives.</li><li>
Develop annual and multi-year business development plans, setting ambitious yet achievable revenue and expansion targets.</li><li>
Identify new verticals, use cases, and market opportunities within fintech, payments, and embedded finance ecosystems.</li><li>
Define go-to-market strategies for new products and services across enterprise and government segments.</li><li>
Monitor industry trends, competitive landscape, regulatory developments, and emerging technologies to ensure strategic positioning.</li><li>
Report regularly to executive leadership and Board on pipeline health, revenue performance, and strategic initiatives.</li></ul>
Strategic Business Development<ul><li>
Identify, pursue, and close high-value strategic partnerships with government entities, sovereign wealth funds, regulatory bodies, and public sector institutions.</li><li>
Engage with enterprises, conglomerates, banks, and financial institutions to offer enterprise-grade fintech solutions.</li><li>
Structure and negotiate complex deals including:<ul><li>
BIN sponsorship arrangements for card product launches</li><li>
Mobile Wallet-as-a-Service (WaaS) white-label or co-branded platforms</li><li>
Remittance service provider aggregation partnerships</li><li>
Customized payment acceptance and embedded finance solutions</li></ul></li><li>
Build and maintain long-term relationships with C-suite executives, government officials, regulators, and key decision-makers.</li><li>
Lead RFP responses, public sector tender submissions, and large-scale procurement engagements.</li><li>
Structure innovative commercial models including revenue-share agreements, equity partnerships, and risk-sharing frameworks.</li></ul>
Solution Architecture &amp; Consultative Selling<ul><li>
Understand complex client business, regulatory, and technical requirements and translate them into commercially viable solutions.</li><li>
Collaborate closely with Product, Technology, Compliance, Legal, and Operations teams to develop tailored offerings.</li><li>
Develop compelling business cases, ROI models, and financial projections for enterprise and government clients.</li><li>
Lead contract negotiations, pricing strategy discussions, and partnership structuring.</li><li>
Serve as trusted advisor to clients on digital payments transformation and fintech innovation strategies.</li></ul>
Regional Expansion<ul><li>
Develop and execute market entry strategies across GCC and MENA markets.</li><li>
Conduct detailed market research and competitive analysis to identify expansion opportunities.</li><li>
Establish relationships with regulators, central banks, and government authorities in target jurisdictions.</li><li>
Navigate regulatory frameworks, licensing processes, and compliance requirements across markets.</li><li>
Build local strategic partnerships and distribution channels to accelerate market penetration.</li><li>
Adapt product and commercial models to regional requirements including Islamic finance and Sharia-compliant structures where applicable.</li></ul>
Sales Leadership &amp; Team Management<ul><li>
Build, lead, and scale the sales organization from early stage to full commercial maturity.</li><li>
Recruit, develop, and retain high-caliber sales talent across enterprise and public sector segments.</li><li>
Set sales strategy, targets, quotas, and KPIs aligned with corporate revenue objectives.</li><li>
Establish governance frameworks, sales processes, and performance management systems.</li><li>
Oversee pipeline management, forecasting accuracy, and revenue predictability.</li><li>
Coach and mentor sales leaders and team members to maximize productivity and professional growth.</li><li>
Foster a culture of accountability, excellence, collaboration, and continuous improvement.</li></ul>
Cross-Functional Collaboration<ul><li>
Partner with Product teams to influence roadmap development based on market feedback and client needs.</li><li>
Work closely with Legal and Compliance on regulatory matters and contract structuring.</li><li>
Collaborate with Marketing on positioning, messaging, and demand generation strategies.</li><li>
Coordinate with Operations and Customer Success on client onboarding and service delivery excellence.</li><li>
Align with Finance on pricing models, deal economics, revenue recognition, and profitability tracking.</li></ul>
Change Management &amp; Continuous Improvement<ul><li>
Lead initiatives to continuously improve sales processes, commercial frameworks, and partnership models.</li><li>
Drive digital transformation initiatives within the commercial function.</li><li>
Identify efficiency enhancements, automation opportunities, and cost optimization initiatives.</li><li>
Promote innovation in deal structuring and commercial engagement models.</li></ul>
Reporting &amp; Compliance<ul><li>
Ensure accurate and timely reporting of business development activities and revenue performance.</li><li>
Present periodic updates to executive leadership and Board of Directors.</li><li>
Ensure compliance with all regulatory requirements, internal governance standards, and contractual obligations.</li><li>
Maintain high ethical standards in all negotiations and commercial engagements.</li></ul>
Qualification &amp; Experience: 
Minimum requirements:<ul><li>
Bachelor's degree in Business Administration, Finance, Economics, Engineering, or related field</li></ul>
Preferred:<ul><li>
Minimum 10 years of progressive experience in business development, strategic partnerships, or enterprise sales, with at least 5 years in senior leadership roles managing sales teams and P&amp;L responsibility.</li><li>
Proficiency in English and Arabic</li></ul>
Note: 
Preference in hiring will be given for Bahraini nationals.</div>

Head of Business Development & Sales (stc pay)

SPAZIO STYLE

The Senior Accountant / Office Manager will be responsible for overseeing the full financial operations and administrative management of the Bahrain office. This role combines financial control, compliance, reporting, and operational coordination to ensure the smooth running of the branch in alignment with SPAZIO STYLE&rsquo;s international standards.The ideal candidate is detail-oriented, commercially aware, highly organized, and capable of managing both accounting functions and day-to-day office operations.⸻Key Responsibilities1.⁠ ⁠Financial Management &amp; Accounting<ul><li>Manage full-cycle accounting (AP, AR, GL, bank reconciliation)</li></ul><ul><li>Monitor cash flow and ensure proper liquidity management</li></ul><ul><li>Prepare monthly management reports and financial summaries</li></ul><ul><li>Track sales performance and commission calculations</li></ul><ul><li>Supervise invoicing, collections, and credit control</li></ul><ul><li>Ensure all expenses are properly approved and processed (including company card control)</li></ul><ul><li>Maintain proper documentation and filing systems</li></ul><ul><li>Coordinate with external auditors and tax advisors</li></ul><ul><li>Ensure compliance with Bahrain regulations and VAT requirements</li></ul><ul><li>Prepare quarterly and annual financial reports</li></ul>⸻2.⁠ ⁠Budgeting &amp; Financial Control<ul><li>Prepare annual budgets and monitor monthly variance</li></ul><ul><li>Implement internal financial controls and procedures</li></ul><ul><li>Analyze profitability by project, client, and product category</li></ul><ul><li>Support pricing strategy with margin analysis</li></ul><ul><li>Monitor cost control for office and showroom expenses</li></ul>⸻3.⁠ ⁠Office &amp; Operational Management<ul><li>Oversee daily office operations and administration</li></ul><ul><li>Supervise administrative staff and sales support (if applicable)</li></ul><ul><li>Manage supplier payments and vendor relationships</li></ul><ul><li>Ensure proper inventory control and sample tracking</li></ul><ul><li>Coordinate logistics for shipments and customs clearance</li></ul><ul><li>Maintain contracts, leases, and service agreements</li></ul><ul><li>Ensure office systems, documentation, and workflow efficiency</li></ul>⸻4.⁠ ⁠HR &amp; Compliance Support<ul><li>Assist with payroll processing and staff records</li></ul><ul><li>Ensure compliance with Bahrain labor law</li></ul><ul><li>Monitor employee performance documentation (probation periods, contracts, renewals)</li></ul><ul><li>Support implementation of commission structures and incentive schemes</li></ul><ul><li>Maintain confidential employee records</li></ul>⸻5.⁠ ⁠Reporting &amp; Communication<ul><li>Provide weekly financial updates to management</li></ul><ul><li>Prepare financial data for strategic decisions</li></ul><ul><li>Identify risks and propose corrective actions</li></ul>⸻Qualifications &amp; Requirements<ul><li>Bachelor&rsquo;s degree in Accounting, Finance, or related field</li></ul><ul><li>Minimum 5&ndash;7 years of experience in accounting and office management</li></ul><ul><li>Experience in trading, distribution, or luxury goods preferred</li></ul><ul><li>Strong knowledge of Bahrain VAT and local regulations</li></ul><ul><li>Proficiency in accounting software and Microsoft Excel</li></ul><ul><li>Strong analytical and organizational skills</li></ul><ul><li>High level of integrity and confidentiality</li></ul><ul><li>Excellent communication skills (English required; Arabic is a plus)</li></ul>⸻Key Competencies<ul><li>Financial accuracy and attention to detail</li></ul><ul><li>Strong internal control mindset</li></ul><ul><li>Commercial awareness</li></ul><ul><li>Leadership and accountability</li></ul><ul><li>Problem-solving and decision-making</li></ul><ul><li>Ability to work independently</li></ul>⸻Performance Indicators (KPIs)<ul><li>Accuracy and timeliness of financial reporting</li></ul><ul><li>Cash flow stability and collection efficiency</li></ul><ul><li>Budget adherence</li></ul><ul><li>Reduction of financial discrepancies</li></ul><ul><li>Operational efficiency improvements</li></ul><ul><li>Compliance with legal and audit requirements</li></ul>Job Type: Full-timePay: BD400.000 - BD500.000 per month

Senior Accountant / Office Manger

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Senior Accountant / Office Manger