Reconciliation Analyst; Bede

Operation

Division

Finance

Location

Closing Date

08-Oct-2026

Zain is the pioneer of mobile telecommunications in the Middle East. We began life in 1983 in Kuwait as the region’s first mobile operator, and since the initiation of our expansion strategy in 2003, we have expanded rapidly. Read more here:

This role will be part of Zain Bahrain's Subsidiary Fintech Company - "Bede"

Bede, the fintech arm of Zain Bahrain, is a dynamic startup revolutionizing personal finance through Bahrain’s first Shariah-compliant Islamic financing app. Licensed and regulated by the Central Bank of Bahrain, Bede is committed to creating an inclusive platform that offers practical solutions tailored to real customer needs.

With a focus on customer centricity, strategic partnerships, and digital innovation, Bede aims to guide individuals toward growth and success by leveling the playing field for all.

Bede

The Reconciliation Analyst is responsible for monitoring, reconciling, and validating the end-to-end financial and operational integrity of all transaction flows across Bede's product portfolio. The role ensures that every financial event — from product disbursement through to customer account credit, repayment collection, and system reflection in the Loan Management System (LMS) — is processed accurately, completely, and in line with how each product and process was designed to operate.

Working within the Finance team and reporting to the Finance Manager, the Reconciliation Analyst uses Tableau dashboards and financial reports — supported by the BI/BA team for data extraction and the Revenue Assurance function for methodology — to identify discrepancies, investigate anomalies independently, and elevate only critical findings requiring management intervention.

The role covers Bede's full current product suite — microfinance, prepaid cards, wallet services, and remittances — and will extend to all future products as they are introduced, including insurance, investment, and any other financial services Bede launches. The Reconciliation Analyst role acts as Bede's financial control layer, protecting revenue integrity and ensuring process controls function as designed across all systems and products.

1. Process Understanding & Data Access

Engage with business and IT stakeholders to develop a thorough understanding of every product process end-to-end — from how a transaction is initiated in the Bede app through every system touchpoint until it reaches its final state in the relevant system (LMS, card management system, wallet platform, remittance engine, etc.).

For each product and process, document the expected flow, the systems involved, the data generated at each step, and the points where financial entries should be created or updated.

Work with the IT and BI/BA teams to identify what data is available, where it sits, and how it can be accessed — then map this against what is needed to build complete and effective reconciliations and validations.

Where data gaps exist, raise them formally and work with the relevant teams to establish the access, extracts, or system changes needed before reconciliation work can begin.

Maintain up-to-date process and data flow documentation for each product line, updating it whenever a system change, new feature, or new product is introduced.

Use this process knowledge as the foundation for designing reconciliation and validation frameworks that are aligned to how the business actually operates — not just how it is assumed to operate.

2. End-to-End Transaction Reconciliation

Perform daily, weekly, and monthly reconciliations across all Bede product lines to verify that financial transactions are processed accurately from initiation through to completion.

For microfinance: reconcile disbursements from the funding account through to customer account credit, validate commodity purchase and transfer entries, and confirm that repayment instalments are correctly reflected in the LMS.

For prepaid cards: reconcile card load transactions, spending activity, fees, and settlement entries between the card management system and the general ledger.

For wallet services:…