Accounts Officer

Hi, we are CreditBook! At CreditBook, we’re on a mission to transform financial access for entrepreneurs in emerging markets. Small and medium-sized enterprises (SMEs) drive a significant share of the country’s GDP—yet, they face major roadblocks when it comes to financing. We believe they deserve fast, flexible, and hassle-free funding to unlock growth and fuel meaningful economic progress. Our technology removes the barriers of traditional financing—no paperwork, no long waits. With disbursements in under 48 hours , we empower SMEs in Pakistan to improve cash flow and scale their businesses with confidence. Backed by leading investors like Tiger Global and Firstminute Capital, CreditBook secured over $11M in funding in just 12-18 months and scaled our technology to tens of thousands of micro-businesses. Our API-first product suite seamlessly integrates with businesses, simplifying compliance, risk management, and capital supply. We’re looking for curious, mission-driven individuals who are passionate about making financing more accessible. If that’s you, we’d love to hear from you! How you'll make an impact: As an Accounts Officer at CreditBook, you will be instrumental in maintaining the accuracy and integrity of our financial records. You will oversee financial transactions, ensure compliance with tax regulations, and contribute to the continuous improvement of our financial processes. Specifically, the key responsibilities will include: Account Reconciliation: Conduct regular reconciliations of bank statements, accounts payable, and accounts receivable to maintain accurate financial records. Tax Compliance: Stay updated with income tax and sales tax regulations, ensuring all financial activities comply with current laws and filing requirements. ERP Management: Utilise QuickBooks ERP for accurate posting of financial entries and maintenance of the general ledger. Process Improvement: Identify opportunities to enhance financial procedures and implement best practices to increase efficiency and accuracy. Team Collaboration: Work closely with cross-functional teams, including finance, operations, and product, to support financial decision-making and strategic planning. Audit Support: Assist in internal and external audits by providing necessary documentation and insights into financial transactions. Lending Operation Support: Support teammates in lending operations. Payments: Ensure timely processing of payments, reimbursements, and disbursements. Banking: Execute fund transfers (IFT and IBFT) accurately and ensure timely updates of bank books. What we'd love to see: Education: Bachelor/Master degree in Accounting, Finance, or a related field. Experience: 2-3 years of professional accounting experience, preferably within the fintech or technology sector. Technical Skills: Proficiency in QuickBooks ERP and advanced MS Excel skills. Analytical Abilities: Strong attention to detail with excellent analytical and problem-solving skills. Communication: Effective verbal and written communication skills, with the ability to convey complex financial information clearly. Regulatory Knowledge: In-depth understanding of income tax and sales tax regulations in Pakistan. T eam Orientation: Proven ability to work both independently and collaboratively within a team environment. Why you’ll love working with us: Make a Difference: Be at the forefront of building a fast-growing startup and driving real-world impact for businesses and communities in Pakistan. Ownership & Rewards: Enjoy a competitive salary with stock options—your work contributes directly to our success, and you’ll share in it. Health & Wellbeing: Comprehensive health insurance to keep you and your loved ones protected. Freedom & Flexibility: Set your own schedule with flexible hours and unlimited total paid time off to recharge whenever you need. Transparent Culture: Stay connected with company-wide updates on business metrics, customer stories, and team wins every week. Personal Growth: Access a yearly training sponsorship budget, masterclasses with industry leaders, and a feedback-driven culture designed to unlock your potential. Global Exposure: Collaborate with a talented, multicultural team across three continents—get inspired by diverse perspectives and ideas. Team Perks: Enjoy free lunches with the team every Tuesday at the office and experience a fun, supportive work environment. Just so you know CreditBook is an Equal Opportunity Employer and strictly prohibits discrimination of any kind. We believe that great ideas come through broad exposure, diversity and healthy debate. We are committed to building the best team possible and all employment decisions are based on business needs, job requirements and individual potential and qualifications, without regard to race, color, age, religion, socioeconomic status, orientation, gender identity, national origin or disability.We feel excited about learning from one another and getting unique, thoughtful, bold opinions -- we're excited for yours!