Grain Glossary

Be part of Grain's team, playing a crucial role in building and optimizing the company's Sales strategies. < Back Sales Manager Embedded Finance (Travel Industry) Be part of Grain's team, playing a crucial role in building and optimizing the company's Sales strategies. Full Time Global Apply Now Location: Israel / Europe / North America and Remote Who We Are Grain is a pioneering fintech startup based in the heart of Tel Aviv. We offer embedded cross-currency solutions tailored for software platforms and marketplaces. Grain was founded by seasoned entrepreneurs, formerly of financial institutions like Barclays, Deutsche Bank, as well as other renowned fintech startups. Grain is backed by leading venture capital firms and prominent financial institutions. At Grain, we offer an opportunity to shape the fintech landscape and be a part of a community that’s committed to excellence. We’re seeking an experienced and driven Sales Manager with a strong background in selling embedded finance products, particularly in the FX space, to join our team. This individual will play a pivotal role in driving growth by connecting our cutting-edge solutions with businesses looking to optimize their cross-border and FX business to drive higher volumes. Key Responsibilities Business Development: Identify, target, and engage potential clients within the travel sector, including bedbanks, OTAs, and other travel intermediaries. Develop and execute a strategic sales plan to drive adoption of our embedded finance and FX solutions within the travel industry. Relationship Management: Build and nurture relationships with decision-makers, including CFOs, treasurers, and operational leaders within travel businesses. Serve as a trusted advisor by understanding clients' unique challenges in the travel sector and presenting tailored solutions. Represent Grain at key travel and fintech industry events and conferences. Sales Execution: Lead the end-to-end sales process, from prospecting and pitching to negotiating and closing deals. Collaborate with internal teams (product, marketing, and customer success) to ensure smooth client onboarding and ongoing satisfaction. Market Expertise: Stay informed about travel industry trends, competitive dynamics, and regulatory changes affecting cross-border payments and FX in this sector. Provide market feedback to the product team to refine offerings and address specific needs in the travel industry. Reporting: Maintain accurate records of sales activities, pipeline development, and forecasts using CRM tools. Consistently meet or exceed sales targets and KPIs. Reporting directly to VP Sales or VP Business Development. Qualifications Experience: 5+ years of sales experience in fintech, embedded finance, or FX solutions, with a focus on the travel industry. Proven track record of success in selling to travel businesses, including bedbanks, OTAs, and other intermediaries. Familiarity with the operational and financial challenges faced by travel businesses. Skills: Strong consultative sales skills and ability to simplify complex financial solutions for clients. Exceptional communication, negotiation, and presentation skills. Proficiency with CRM tools (e.g., Salesforce) and sales analytics platforms. Attributes: Self-motivated, results-oriented, and able to thrive in a fast-paced, dynamic environment. Analytical mindset to identify opportunities and craft tailored financial solutions for travel businesses. Passionate about fintech innovation and improving efficiency in the travel sector. What We Offer Competitive salary with performance-based incentives. Equity participation through our ESOP plan. Comprehensive benefits package, including health insurance and retirement plans. Professional development opportunities, including a learning and development budget. Collaborative, forward-thinking team and the opportunity to work with cutting-edge technology. Career advancement opportunities in a rapidly evolving industry. Apply Now

Be part of Grain's top-tier developer team, shaping the future of fintech. Dive deep into front-end and back-end development, ensuring the excellence and resilience of our state-of-the-art embedded cross-currency platform. < Back Senior Full Stack Engineer Be part of Grain's top-tier developer team, shaping the future of fintech. Dive deep into front-end and back-end development, ensuring the excellence and resilience of our state-of-the-art embedded cross-currency platform. Full Time Tel Aviv Apply Now Who We Are: Grain is a pioneering fintech startup based in the heart of Tel Aviv. We offer embedded cross-currency solutions tailored for software platforms and marketplaces. Grain was founded by seasoned entrepreneurs, formerly of financial institutions such as Barclays, Deutsche Bank, as well as other renowned fintech startups. Grain is backed by leading venture capital firms and prominent financial institutions. At Grain, we offer an opportunity to shape the fintech landscape and be a part of a community that's committed to excellence. Job Description: We are looking for an experienced Full Stack Developer with a strong front-end focus to join our team in developing Grain's advanced fintech platform. As a key contributor, you'll work across both the front and back ends to ensure performance, quality, and resilience in our embedded currency hedging solution. This role demands attention to detail in high-scale system design, with an emphasis on delivering a seamless user experience. You'll work closely with a diverse engineering team to brainstorm, troubleshoot, and solve complex challenges, driving forward-thinking solutions and improvements to user experience. Qualifications: 5+ years as a software engineer, with expertise in front-end development (and familiarity with back-end technologies such as Node.js) Skilled in modern front-end frameworks and tools such as React and TypeScript, along with a solid understanding of back-end development. Strong attention to design, usability, and accessibility, with a desire to contribute ideas that elevate the user experience. Exceptional analytical skills and a proactive approach to challenges. An independent learner who thrives on new technologies and is ready to adapt in a fast-paced environment. Previous experience in the fintech sector is an advantage. Apply Now

Be part of Grain's Product team, playing a crucial role in supporting and optimizing the company's product strategies. < Back Senior Product Manager, Trading and Risk Be part of Grain's Product team, playing a crucial role in supporting and optimizing the company's product strategies. Full Time Tel Aviv Apply Now About Us: Grain is a fast-growing fintech startup offering cross-currency solutions tailored for software platforms and marketplaces. The company was founded by seasoned entrepreneurs, formerly of financial institutions like Barclays and Deutsche Bank, as well as renowned fintech startups. Grain is backed by leading venture capital firms and prominent financial institutions. At Grain, we pride ourselves on fostering a collaborative culture, committed to excellence, where every team member has a direct impact on our success. Role Overview: We are looking for a Senior Product Manager to join our Product team and take ownership of our core Trading and Risk product. This is a hands-on role focused on , building best-in-class financial infrastructure, shipping features that deliver value to our customers and driving product strategy. You will report to the Chief Product Officer (CPO) and collaborate closely with Engineering, Operations, and Business stakeholders. Responsibilities: · Define and own the product roadmap for our core risk and trading platform, aligning with business priorities and customer needs · Work closely with our FinOps, Risk and Trading teams, to define our core offering - risk models, derivatives integrations, and pricing; lead engagement with strategic partners · Lead product discovery efforts, including user interviews, competitive analysis, and partnerships discovery · Gather and synthesize customer feedback, usage data, and market research to inform product decisions; Translate complex requirements into clear, actionable product specs · Work closely with Engineering and Design to deliver high-quality features on time and at scale · Collaborate with Sales, Operations, and Support teams to ensure seamless product launches and issue resolution · Monitor product performance, define success metrics, and iterate based on learnings · Communicate product vision, updates, and trade-offs clearly to stakeholders across the company Requirements : · 4+ years of product management experience in B2B SaaS or fintech environments · Strong track record of owning and scaling complex products from ideation through launch · Excellent communication and collaboration skills, with the ability to align cross-functional teams · Analytical and data-driven, with experience using metrics to guide product decisions · Comfortable working closely with engineers and understanding technical trade-offs · Deep customer empathy and experience in conducting user research and discovery; Ability to thrive in a fast-paced, high-growth startup environment · Experience in cross currency payments, institutional trading or derivatives products (options, futures, etc) is a big plus · Bachelor’s degree in a technical field What We Offer: · Competitive salary and equity package · Opportunity to be a key product leader in a high-growth fintech startup · Collaborative, mission-driven culture · Modern office space in the heart of Tel Aviv Apply Now

Be part of Grain's Data team, playing a crucial role in supporting and optimizing the company's financial strategies. < Back Senior Data Analyst Be part of Grain's Data team, playing a crucial role in supporting and optimizing the company's financial strategies. Full Time Tel Aviv Apply Now Who We Are Grain is a pioneering fintech startup based in the heart of Tel Aviv. We offer embedded cross-currency solutions tailored for software platforms and marketplaces. Grain was founded by seasoned entrepreneurs, formerly of financial institutions like Barclays, Deutsche Bank, as well as other renowned fintech startups. Grain is backed by leading venture capital firms and prominent financial institutions. At Grain, we offer an opportunity to shape the fintech landscape and be a part of a community that’s committed to excellence. Role overview We are seeking a talented and driven Senior Data Analyst to join Grain Finance as our first dedicated data analyst. In this pivotal role, you’ll become a domain expert in FX hedging and financial risk analysis , drive key insights, and shape the future of our data processes. You’ll work closely with cross-functional teams to influence decisions with data and make a significant impact on our growing company. Key Responsibilities Own BI Systems: Design and develop intuitive dashboards and reports that deliver actionable insights for stakeholders across Product, Risk, and Finance. Take full responsibility for Grain’s BI tools and pipelines. Perform Advanced Analyses: Use Python and SQL to uncover trends, optimize strategies, and provide data-driven recommendations. Simulations & Risk Analysis: Develop and execute models and simulations to assess financial risks and inform hedging strategies. ML Monitoring: Monitor machine learning models performance and ensure continuous improvement. Collaborate Across Teams: Work closely with Product Managers, Engineers, and Risk Analysts to understand challenges and deliver data-driven solutions. Required Qualifications 3+ years of proven experience in Data Analysis , ideally within fintech, trading, or related fields. Bachelor’s Degree in Statistics, Math, Computer Science, or a related field. Expertise in Python (including Pandas, NumPy) and SQL for data manipulation and analysis. Experience with BI tools (e.g., Tableau, Looker, Power BI). Proven ability to derive actionable insights from complex data sets and effectively present them to diverse stakeholders. Familiarity with financial risk analysis, simulations, or statistical modeling is a bonus . Apply Now

Elevate payment providers with Grain's Automated FX protection for BNPLs & PSPs, ensuring rate stability & enhanced customer loyalty. Lock rates, protect margins, and expand globally with our automated solutions. PAYMENT PROVIDERS Elevate your Payment Services with Currency Rate Stability Whether you're a BNPL looking to secure rates for loan payments or a PSP aiming to protect customers from currency risk, Grain has you covered. Book a Demo Watch the Video HOW IT WORKS Secure Currency Transactions Made Simple Effortlessly protect any transactions from currency fluctuations with grain's automated solutions User-Initiated Transaction Your user creates an Account Payable or Receivable in a foreign currency through your platform. Automatic Rate Lock Our automatic hedging engine locks in the exchange rate to protect against currency fluctuations. Payment Execution On the due date, Grain automates the currency exchange at the guaranteed rate for you or your customers. Explore Our Solutions See how Grain empowers BNPLs and PSPs to navigate currency fluctuations with ease. End- to-end Currency Protection for BNPLs Lock rates for delayed payments & sell in more currencies. Learn More FX Rate Lock for Payment Service Providers Protect your users’ transactions from currency risk and enhance your competitiveness. Learn More END-TO-END FX HEDGING Cross-Currency Rate Lock for PSPs Enhance your payment platform with rate-locking capabilities and ensure currency rate stability, providing added to your customers. Expand to New Markets Unlock new markets and reach a wider customer base with our rate-locking solution, enabling sales in multiple currencies. Boost Your Revenues Increase in revenues, including a share of the rate lock fee, leading to higher profitability. Keep Customers Happy Delight your customers with easy-to-use currency rate stability, enhancing their experience and loyalty. Make Integration Easy Grain seamlessly into your platform via API, with the assurance that Grain assumes 100% of the risk. BNLP Streamlined Currency Solution for BNPLs Unlock profits and expand sales with our end-to-end currency solution for BNPLs. Don't let FX risk affect your bottom line. Protect Your Profit Margins Safeguard your profit margins by eliminating the impact of currency fluctuations when customers pay later, ensuring financial stability. Financial Certainty Grain's AI minimizes FX complexities in new markets, ensuring stability amid diverse consumer behaviors. Integrate Simply with Our API Grain's API seamlessly integrates currency features, eliminating the need for system overhauls. PSP Why Choose Grain? Unveiling the Key Benefits for Your Business Reduce FX Pains Grain assumes 100% of your currency risk, guaranteeing your FX rates without the hassle of managing FX volatility on your own. Save Costs Lower your cost of hedging and cross-border payments by a typical factor of 80% relative to existing solutions. Boost Sales Integrate a menu of FX modules that brings measurable financial value to your customers. Simplify Financials Enable your customers to pay you over their local rails without any FX risk and without requiring expensive markups. See Grain in Action Add currency certainty - without the complexity. Get Started Why is currency protection crucial for my business? Currency volatility can lead to unpredictable financial outcomes, affecting your bottom line. Grain's currency protection ensures stability in your international transactions, allowing for more consistent financial planning and reduced risk exposure. How does Grain protect my business from currency volatility? Grain protects your business from currency volatility through our innovative embedded currency hedging solution. Our data-driven cross-currency approach is designed to shield your transactions from currency fluctuations, ensuring stability on future accounts receivables or payables. Using a straightforward data stream via API or file sharing, Grain assumes all currency risks away from you. What kind of data does Grain require to provide currency protection? Grain focuses on transactional data related to your cross-currency activities. This includes details of international transactions, payment histories, and related financial data. We are committed to maintaining the highest standards of data security and privacy. How does Grain's Machine Learning model enhance FX protection? Our Machine Learning model analyzes past transaction patterns to create FX protection strategies specifically for your business or your end users. This includes creating pricing based on customer behavior, like cancellations and payment delays, thereby minimizing risk and maximizing efficiency. What security measures does Grain take to protect my data? At Grain, we prioritize your data's security and privacy. We use advanced encryption and security protocols to ensure that all data processed through our system is protected. Our commitment to data privacy is backed by continuous monitoring and adherence to the latest security standards. Which currencies does Grain support for transactions? Grain supports a wide range of currencies, facilitated by our multi-currency wallet feature. This allows you to create and manage accounts in various currencies, enhancing your ability to conduct and receive payments globally. Whether you're dealing in major world currencies or more localized ones, our platform is designed to cater to your diverse currency needs. How does Grain currency volatility protection work? Grain's currency volatility protection works through an AI-driven solution. Firstly, it integrates with your platform to report transactions. Then, it provides real-time local currency quotes to your users, ensuring exchange rate certainty. Grain assumes 100% of the FX risk, guaranteeing the rates promised. Finally, on the due date, Grain automates the currency exchange at the guaranteed rate, completing the transaction seamlessly. Do I need the entire payment amount to be processed via Grain? No. You can elect whether to convert the entire transaction amount via Grain, or to only settle the currency offsets How does the Grain Local Collection functionality work? Grain opens multiple cross-currency bank accounts, facilitating seamless local collections for global business operations. FAQs

Be part of Grain's Risk team, playing a crucial role in supporting and optimizing the company's financial strategies, providing daily trade support, and serving as the primary contact for trading and risk-related communications with selected partners. < Back Risk & Middle Office Analyst Be part of Grain's Risk team, playing a crucial role in supporting and optimizing the company's financial strategies, providing daily trade support, and serving as the primary contact for trading and risk-related communications with selected partners. Full Time Tel Aviv Apply Now Objectives of this role Playing a crucial role in supporting and optimizing the company’s financial strategies Perform daily trade support of all trade aspects Being a point of contact regarding trading and risk related aspects with selected partners Responsibilities Perform daily trade support and implement enhancements to optimize control, ensure accurate trade capture, position management & inventory continuity day over day Maintain real-time monitoring positions, ensuring alignment with client objectives and risk parameters Execute FX hedge transactions in accordance with client strategies and market conditions Generate comprehensive reports for internal use and clients, summarize trading activities and performance metrics Work closely with internal teams, including trading, risk management and Data teams Develop and maintain strong relationships with clients, serving as a point of contact for trading and risk related inquiries Required skills and qualifications Bachelor's degree in Finance, Economics, Mathematics, or a related field or relevant industry experience 2+ years of proven experience as a Middle Office Analyst specializing in FX or a similar role in the financial sector Strong analytical skills and proficiency in statistical analysis tools and software with emphasis on advanced Excel skills Familiarity with financial technology and trading platforms. Trading skills- demonstrate ability in executing and managing trades, with a focus on FX derivatives Attention to detail to ensure quality, completeness and accuracy of work Excellent communication and interpersonal skills Preferred skills and qualifications Master's degree in finance, economics, mathematics, or a related field Knowledge of Google suite products, has ability to quickly work with new tools Proficiency with MS suite products Knowledge of Python/VBA Fluent in English, with excellent verbal and written communication skills About Grain: Grain is an end-to-end embedded cross-currency solution that empowers software platforms and marketplaces to effectively eliminate FX risk for their end customers. Through a user-friendly and automated tool, Grain's partners and their customers can easily secure currency rates into the future and conduct seamless cross-border fund transfers. Apply Now

Be part of Grain's team, playing a crucial role in building and optimizing the company's Sales strategies. < Back Key Account Manager – Embedded FX Hedging Solutions Be part of Grain's team, playing a crucial role in building and optimizing the company's Sales strategies. Full Time Tel Aviv Apply Now Key Account Manager – Embedded FX Hedging Solutions Location : Tel Aviv, Israel About Grain: We are a cutting-edge fintech company specializing in embedded FX hedging solutions, optimized for micro-transactions. Our processing technology transforms the way global CFOs manage risk and complexity, while turning them into champions of accelerated sales growth. Our technology optimizes FX to drive higher sales by integrating into both front-end sales interfaces at the customer side while also eliminating risk by integrating into back-end payment and treasury workflows. By integrating our solution, businesses can enhance their pricing strategies, streamline cross-border transactions, and ultimately boost sales volumes. Role Overview: As an Account Manager, you will be the primary point of contact for our clients, ensuring successful adoption and ongoing optimization of our FX optimization and hedging solutions. This role requires deep expertise in complex financial products, long integration cycles, and a consultative approach to account management. You will work closely with CFOs, product teams, and tech teams at client organizations to drive engagement, retention, and growth. Understanding both front-facing and back-end processes at the customer level is crucial to helping them leverage Grain's product to its fullest potential. Key Responsibilities: Client Relationship Management: Develop and maintain strong relationships with enterprise clients, ensuring they derive maximum value from our FX optimization and hedging solutions. Consultative Approach: Provide expert guidance on product capabilities, best practices, and FX risk management strategies to help clients automate and optimize their FX hedging. Integration & Implementation: Collaborate with product and engineering teams to support clients through complex, long-cycle integrations of our embedded solutions. Retention & Growth: Avoid churn, identify opportunities for upselling and cross-selling additional features or services that align with client needs. Market & Product Feedback: Gather insights from clients to influence product development and strategy. Training & Enablement: Conduct client training sessions and create educational materials to enhance product adoption. Regulatory & Compliance Knowledge: Stay updated on relevant FX and payments regulations to provide informed recommendations to clients. Cross-Functional Engagement: Work closely with CFOs, product teams, and tech teams at client organizations to ensure seamless implementation and maximum impact of our solution. Sales Enablement: Support clients in understanding how Grain’s product can drive higher sales conversion, requiring a deep understanding of both front-facing customer processes and backend financial operations. Qualifications & Experience: Experience: 7+ years in account management, customer success, or similar roles within fintech, preferably in FX, payments, or treasury solutions. Product Knowledge: Strong understanding of FX markets, hedging strategies, and payment infrastructure. Integration Expertise: Experience managing long and complex integration processes, particularly in API-driven or embedded financial products. Consultative Selling: Ability to engage with clients at a strategic level, offering tailored solutions to meet their unique needs. Technical Acumen: Familiarity with API-driven solutions and the ability to liaise effectively with technical teams. Analytical Skills: Ability to interpret financial data, client behavior, and market trends to drive decision-making. Excellent Communication: Strong verbal and written communication skills, with the ability to simplify complex concepts for diverse audiences. Why Join Us? Shape the Future of Embedded Fintech: Be part of a company redefining FX risk management and micro-transaction optimization. Work with Industry Leaders: Collaborate with top-tier enterprises and CFOs tackling complex global payment challenges. Culture of Ownership & Impact: We empower team members with autonomy, responsibility, and a direct influence on our company’s growth and success. Fast-Paced & Collaborative Environment: Join a team that values agility, innovation, and teamwork, where ideas are heard, and execution is fast. Continuous Learning & Development: We invest in our people with mentorship, learning programs, and opportunities to grow within the company. High-Caliber Team: Work alongside fintech, FX, and engineering experts who are passionate about solving real-world problems. Competitive Compensation & Benefits: We offer a strong package, including performance-based incentives, flexible work arrangements, and career growth opportunities. If you are passionate about fintech, FX, and delivering exceptional client experiences, we’d love to hear from you! Apply Now

Grain is committed to maintaining the privacy of consumer personal information in accordance with applicable laws. Learn more in our privacy policy. Grain Financial Technology Ltd. Privacy Policy and Online Privacy Notice Last Revised on June 15, 2022 Last Revised on June 15, 2022 Overview And Policy Statement Record Retention Policy Administration Our Commitment To Privacy Updates To Our Privacy Policy Information We Collect Information Collected Via Technology How We Use The Information We Collect About You Information We Share Social Networking Links To Other Websites How We Protect Personal Information Retention Of Information How To Contact Us California Consumer Privacy Statement OVERVIEW AND POLICY STATEMENT It is the policy of Grain Financial Technology Ltd. (“Grain Finance” or the "Company”) to safeguard consumer data. While Grain Finance's business activity does not fall within the scope of the Gramm-Leach-Bliley Act (“GLBA”), the Company is committed to maintaining the privacy and confidentiality of consumer personal information in accordance applicable State laws and regulations, including the California Consumer Privacy Act (“CCPA”), and that is consistent with industry standards and best practices. Both Grain Finance's Privacy Notice and California Consumer Privacy Statement are publicly available on the Company’s website, mobile app, and other online properties. RECORD RETENTION Grain Finance will maintain all documentation related to its Privacy Notice and California Consumer Privacy Statement for a period of 5 years, including all policies, procedures, and communications. POLICY ADMINISTRATION The company, or qualified designee, is responsible for the administration, revision, interpretation, and application of Grain Finance's Privacy Notice and California Consumer Privacy Statement. These notices will be reviewed at least annually and/or revised as required. OUR COMMITMENT TO PRIVACY This website is developed and maintained by Grain Financial Technology Ltd. (hereinafter “Grain Finance,” “we,” or “us”). When you visit our website, official social media sites, or other online properties, collectively “Sites” or “Services,” Grain Finance may collect and use certain information about you. Grain Finance recognizes that you care about how your information is used, and your privacy is important to us. This Privacy Policy explains how we may collect and use your information, particularly your personal information, and the choices you can make about what information you share. This Privacy Policy applies to all Services offered by Grain Finance to U.S. consumers, except where a product or service has a separate privacy notice that does not incorporate this Privacy Policy. Certain individuals also may be provided with additional privacy notices as described below: Grain Finance Customers – When you sign up for an account with Grain Finance, we may collect and use your personal information on behalf of our merchant clients (“Merchant Clients”) and/or our bank partner (“Bank Partner”) to facilitate the provision of banking services pursuant to the merchant customer/partner bank Privacy Notice as applicable. Federal law requires our Merchant Customer/Bank Partner to provide notice to certain consumers to explain what personal information they collect, how they share it, and how consumers may limit our Bank Partner’s sharing of the information. The privacy practices of our Bank Partner are subject to their privacy notice, which we strongly suggest you review. Grain Finance is not responsible for our Bank Partner’s information practices or privacy notices. Notice to California Residents – If you are a resident of California, please see our California Consumer Privacy Statement . UPDATES TO OUR PRIVACY POLICY We ask that you read this Privacy Policy from time to time. We may change this Privacy Policy from time to time. The “ Last Updated ” legend at the top of this Privacy Policy indicates when this Privacy Policy was last revised. Any changes will become effective when we post the revised Privacy Policy. Use of the Services following these changes, or your continued provision of personal information to us, signifies acceptance of the revised Privacy Policy INFORMATION WE COLLECT INFORMATION YOU PROVIDE TO US Grain Finance collects information about you when you interact with our Sites and Services. When you use our Sites and Services, we collect information about one or more devices associated with you that you use to access the Sites, such as a computer, mobile phone, or tablet. We collect, store, and use information you provide to us from one or more devices associated with you when you use our Sites, including when you log into the Sites or Services from one or more of your devices, register for an account, complete a web form, add or update your account information, apply for a job at Grain Finance, or otherwise correspond with us regarding the Sites. Information that we collect may include: Identifiers such as name, email address, phone number, date of birth, physical address, and country of residence, when you create an account to log in to our Platform; Login credentials, including username and password, for your Grain Finance Account; When you request Services on our Sites, open an Account, conduct a transaction, or use our Sites for any reason, we may collect information you provide, including as necessary to complete the transaction, including your name, legal address, last four digits of your SSN, and credit or debit card billing information; Social media handles; Voice recordings (such as when you call Grain Finance's Customer Service); If you use our Application on your mobile device, we may also collect mobile device information like operating system and hardware type, numbers or codes that are unique to your particular device, device information, default device language, the location of your device, and app usage information; Information you provide through customer service interactions and that you provide about your experience with Grain Finance, including responses to surveys offered by the Company; If you provide us feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply; If you tell us where you are by allowing your mobile device to send us your location (geolocation data), we may store and use that information for fraud prevention purposes; Your subscriptions to our newsletters; In addition to the above, we may need to verify your identity in order for you to use some aspects of the Service. For purposes of verification, we may also collect the following personal information from you. If requested for compliance reasons, providing this information is mandatory to use our Service: Valid government issued identification such as a passport or driver’s license; Other identification documents as deemed appropriate; Tax-related information such as a tax identification number (“TIN”) or social security number (“SSN”); and/or Any other information as may be required to verify your identity in accordance with applicable laws and regulations; We may also collect information at other points in our Sites and Services where it is clear we are collecting such information; and/or Other information you choose to provide, such as through our “Contact Us” feature, emails or other communications (such as with customer service), referrals, on social media pages, or in registrations and sign-up forms. INFORMATION COLLECTED VIA TECHNOLOGY Information We Automatically Collect We automatically collect information about the devices you use to interact with our Sites. We automatically collect your device identifier, web browser type and version, IP address, precise geolocation, and browsing information collected through cookies and beacons. We also automatically collect information about how you use the Sites, such as what you have searched for and viewed on the Sites. The information automatically collected will be associated with any personal information you have provided. We collect certain information by automated means when you visit our Sites, such as how many users visited our Sites and the pages accessed. By collecting this information, we learn how to best tailor our Sites to our visitors. We collect this information through various means such as “cookies” and “web beacons.” Cookies Like many companies, we use “cookies” on some of our Sites. Cookies are pieces of code placed on your devices when you visit certain websites. We use cookies to tell us, for example, whether you have visited us before or if you are a new visitor, and to help us identify features of the Sites in which you may have the greatest interest. Cookies may enhance your online experience by saving your preferences while you are visiting a particular website. Most web browsers will tell you how to stop accepting new cookies, how to be notified when you receive a new cookie, and how to disable existing cookies. Please note, however, that without cookies you may not be able to take full advantage of the features and functionality of the Sites. Web Beacons Certain pages on our website contain “web beacons” (also known as Internet tags, pixel tags, and clear GIFs). These web beacons allow third parties to obtain information, such as the IP address of the computer that downloaded the page on which the beacon appears; the URL of the page on which the beacon appears; the time the page containing the beacon was viewed; the type of browser used to view the page; and the information in cookies set by the third party. IP Addresses An IP address is a unique identifier that certain electronic devices use to identify and communicate with each other on the Internet. When you visit our website, we view the IP address of the device you use to connect to the Internet. We then use this information to determine the general physical location of the device and understand the general locations of our website visitors. We also use this information to enhance our Sites. Collection of Data in Connection with Advertising We may use third parties to serve ads on the Sites. In connection with the delivery of advertising, certain third parties may automatically collect information about your visits to this and other websites, your IP address, your ISP, and the browser you use to visit our Sites. They do this by using cookies, web beacons, or other technologies. Information collected may be used, among other things, to deliver advertising targeted to your interests and to better understand the usage and visitation of our Sites and the other sites tracked by these third parties. This policy does not apply to, and we are not responsible for, Cookies or Pixel Tags in third party ads, and we encourage you to check the privacy policies of advertisers and/or ad services to learn about their use of Cookies and other technologies. Mobile Services We may also collect non-personal information from your mobile device if you have downloaded our mobile app. This information is generally used to help us deliver the most relevant information to you. Examples of information that may be collected and used include how you use the mobile app, and information about the type of device you use. In addition, in the event our mobile app crashes on your mobile device, we will receive information about your mobile device model software version and device carrier, that allows us to identify and fix bugs and otherwise improve the performance of our mobile app. Location Information If you have enabled location services on your phone, tablet, or other mobile device, we may collect your location information including for the purpose of verifying whether you are eligible to participate in a channel, service, or promotion. Information Collected from Other Sources We may also collect information about you from third parties, such as marketing partners, identity verification services, anti-fraud services, and other service providers. We may also supplement the information we have about you with information received from other sources such as commercially available sources (e.g., data brokers and public databases). The information we receive may include demographic data such as age, gender, and income level, your interests and purchase data and other information that is necessary or useful to assist our marketing efforts or for user verification, authentication, fraud detection or to comply with regulatory requirements. HOW WE USE THE INFORMATION WE COLLECT ABOUT YOU We may use your information for the following purposes: TO COMMUNICATE WITH YOU To provide you with customer support; To communicate with you about our products and services, including promotions and offers; or To send you further notices, financial news notifications, promotions, solicitations, brochures, or other marketing materials regarding our Sites, our products, and the services of our businesses, affiliates, business partners or authorized dealers. TO MANAGE AND IMPROVE OUR BUSINESS OPERATIONS To tailor specific promotions according to your preferences; To provide you with access to the Services; To serve the functions of the Sites; To manage everyday business needs, such as administering and improving the Sites; To analyze the performance and functioning of the Sites; To analyze how you use the Sites and to perform other market research; For internal operations, including troubleshooting, testing, and analytics; and To assist us in developing new products and improving our Services. TO ENSURE A SECURE ONLINE ENVIRONMENT AND COMPLY WITH LEGAL OBLIGATIONS To protect against and detect fraud, abuse, or other unlawful activity; To enforce our Terms and Conditions, other corporate policies, and industry standards; and To comply with all applicable laws and reporting obligations. WE MAY SHARE YOUR INFORMATION WITH THIRD PARTIES To help us operate our business and the Sites or administer activities on our behalf, such as sending out newsletters or surveys for those limited purposes provided that you have given us your permission; To verify your eligibility for other services; and To provide you with offers and marketing that may be of interest to you. If you notify us that you do not wish to be contacted for marketing purposes, we will not send you marketing information. THIRD-PARTY ANALYTICS SERVICES We may use Google Analytics or similar analytics services to help analyze how users use our services. These services may use cookies to collect information such as how often users visit our Sites, the pages they visit, and what other sites they used prior to coming to our Services. We use the information to improve our Sites, Application(s), and Services. DO NOT TRACK Our Sites do not collect personal information about your online activities over time and across third-party websites or online services. Therefore, “do not track” signals transmitted from web browsers do not apply to our Sites, and we do not alter any of our data collection and use practices upon receipt of such a signal. BUSINESS STRUCTURE CHANGES We reserve the right to disclose and transfer all information related to our Sites, including personal information: To a subsequent owner, co-owner, or operator of one or more of the Sites; or In connection with a corporate merger, consolidation, or restructuring, the sale of substantially all of our ownership interests and/or assets, or other corporate change, including, without limitation, during the course of any due diligence process. INFORMATION WE SHARE We share your information with third-party service providers who perform services and functions on our behalf to support our interactions with you including, for example, providing our products and services or communicating with you. These third parties are not authorized by us to use or disclose the information, except as necessary to perform services on our behalf or comply with legal requirements. These third parties have no independent rights to the data. In addition, we will disclose information about you: If we are required to do so by law or legal process; To law enforcement authorities or other government officials, as necessary; When we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation or suspected or actual illegal activity; If necessary to protect the vital interests of a person; To enforce our Terms and Conditions; To protect our property, services, and legal rights; To prevent fraud against Grain Finance, our affiliates, business partners, or authorized dealers; To support auditing, compliance, and corporate governance functions; or To comply with any and all applicable laws. In certain situations, Grain Finance may be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. SOCIAL NETWORKING This website allows users to sign into and associate social media accounts, including but not limited to, Facebook and LinkedIn, with the Sites and Services. By using this functionality, you give Grain Finance permission to access all of the elements of your social network profile information that you have made available to be shared and to use it in accordance with the social network’s terms of use and this Privacy Policy. Please refer to the privacy settings in your social network account for information about what data is shared with Grain Finance and other connected applications and to manage the data that is shared through your account, including information about your activities using our Sites. Grain Finance does not retain your username or password for social networking platforms for any longer than is necessary to complete an interaction. If you would like to disconnect a social media account from Grain Finance, please refer to the settings of that social media account and its provider. LINKS TO OTHER WEBSITES Our Sites may provide links to other websites for your convenience and information. These websites may operate independently from our Sites. Linked websites may have their own privacy notices or policies, which we strongly suggest you review if you visit any linked websites. To the extent any linked websites you visit are not part of this website, we are not responsible for their content, any use of the websites, or the privacy practices of any of those websites. HOW WE PROTECT PERSONAL INFORMATION We maintain administrative, technical, and physical safeguards to protect against loss, misuse, unauthorized access, disclosure, alteration, or destruction of the information you provide when visiting or using the Sites. RETENTION OF INFORMATION Grain Finance retains all personal information for the duration of the relevant business relationship or, where required, in accordance with its information management policies and schedules, subject to applicable laws. When deleting personal information based on a request from the individual to whom the information relates, Grain Finance will make reasonable attempts to ensure that all instances of the information are deleted in their entirety. HOW TO CONTACT US If you have any questions or comments about this Privacy Policy, please contact: support@grainfinance.co If you would like to update your contact information or preferences, have your information removed from our mailing lists, or no longer receive marketing emails that we may send based on information collected via product registration cards or other sources, you may do so by: Adjusting the settings in an account you created through the Sites; or Unsubscribing via the links contained in emails from us. CALIFORNIA CONSUMER PRIVACY STATEMENT This California Consumer Privacy Statement (“Statement”) supplements the Grain Finance Privacy Policy and applies solely to California consumers. This Statement does not apply to Grain Finance personnel or job applicants. This Statement uses certain terms that have the meaning given to them in the California Consumer Privacy Act of 2018 and its implementing regulations (the “CCPA”). NOTICE OF COLLECTION AND USE OF PERSONAL INFORMATION We may collect the following categories of personal information about you: Identifiers : identifiers such as a real name, postal address, unique personal identifier (such as a device identifier; cookies, beacons, pixel tags, mobile ad identifiers and similar technology; customer number, unique pseudonym, or user alias; telephone number and other forms of persistent or probabilistic identifiers), online identifier, internet protocol address, email address, account name, Social Security number, driver’s license number, passport number, and other similar identifiers. Additional Data Subject to Cal. Civ. Code § 1798.80 : signature, physical characteristics or description, state identification card number, education, bank account number, credit card number, debit card number, and other financial information. Protected Classifications : characteristics of protected classifications under California or federal law, such as race, color, national origin, age, sex, gender, marital status, citizenship status, and military and veteran status. Commercial Information : commercial information, including records of personal property, products or services purchased, obtained, or considered, and other purchasing or consuming histories or tendencies. Online Activity : Internet and other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding your interaction with websites, applications, or advertisements. Geolocation Data. Sensory Information : audio, electronic, visual, and similar information. Employment Information : professional or employment-related information. Inferences : inferences drawn from any of the information identified above to create a profile about you reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. We may use your personal information for the purposes described in our Grain Finance Privacy Policy and for the following business purposes specified in the CCPA: Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing advertising or marketing services, providing analytics services, or providing similar services; Auditing related to a current interaction with you and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance; Short-term, transient use, including, but not limited to, the contextual customization of ads shown as part of the same interaction; Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity; Debugging to identify and repair errors that impair existing intended functionality; Undertaking internal research for technological development and demonstration; and/or Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us. SALE OF PERSONAL INFORMATION We do not “sell” personal information (as such term is defined in the CCPA). CALIFORNIA CONSUMER PRIVACY RIGHTS You have certain choices regarding your personal information, as described below. Access : You have the right to request, twice in a 12-month period, that we disclose to you the personal information we have collected, used, disclosed, and sold about you during the past 12 months. Deletion : You have the right to request that we delete certain personal information we have collected from you. Shine the Light Request : You also may have the right to request that we provide you with (1) a list of certain categories of personal information we have disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year and, (2) the identity of those third parties. How to Submit a Request To submit an access or deletion request, please email support@grainfinance.co a request through our webform. To submit a Shine the Light request, email us at support@grainfinance.co. If you designate an authorized agent to make an access or deletion request on your behalf using one of the channels described above, we may require you to provide the authorized agent written permission to do so and to verify your own identity directly with us (as described below). For questions or concerns about our privacy policies and practices, please contact us as described in the How to Contact Us section of our Privacy Policy. Verifying Requests To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request. We may require you to provide any of the following information: your name, date of birth, the last four digits of your Social Security number, the email and physical addresses associated with your Grain Finance account, one or more recent transactions, and the last four digits of one or more Grain Finance-branded cards associated with your account. If you have never had an account with us and you request access to or deletion of your personal information, there is no reasonable method by which we can verify your identity to the level of certainty required by the CCPA. The reason for this is that Grain Finance does not maintain information about non-account holders in a way that is linked to named actual persons (and historically has not linked IP addresses, device identifiers or other information collected by automated means to named actual persons). In addition, if you ask us to provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Additional Information If you choose to exercise any of your rights under the CCPA, you have the right to not receive discriminatory treatment by us. To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request. Overview And Policy Statement Record Retention Policy Administration Our Commitment To Privacy Updates To Our Privacy Policy Information We Collect Information Collected Via Technology How We Use The Information We Collect About You Information We Share Social Networking Links To Other Websites How We Protect Personal Information Retention Of Information How To Contact Us California Consumer Privacy Statement

Stay in the know with the latest news from Grain. GRAIN'S ARTICLES Grain in the Press Stay in the know with the latest news from Grain. NEWSROOM TechChrunch Grain emerges from stealth with $50M to help any business hedge against FX volatility March 5, 2025 - Foreign exchange fluctuations can make or break a business that trades across borders, but trying to respond to that can be tricky if you’re anything smaller than the world’s largest enterprises. Today, a startup called Grain emerged from stealth with a product it says will let finance teams more quickly adapt to FX changes with hedging transactions. Fintech Weekly Navigating the Future of Currency Risk Management with AI Köln, April 3, 2024 - The article discusses the revolutionizing impact of AI on FX hedging, emphasizing how traditional methods lack in addressing the dynamic challenges of currency risk management. It showcases AI's potential to offer tailored, automated strategies that simplify operations and provide strategic advantages in global trade. This approach not only mitigates risks but also enhances competitiveness by allowing for precise, real-time adjustments to market changes. treasuryXL An overview of cross-currency transactions and how to master them Amsterdam, March 20, 2024 - The article dives into the topic of cross-currency transactions. It explore the challenges and opportunities these transactions present for companies operating internationally, with a particular focus on managing foreign exchange risk. Hitech Wizards Best practices, benchmark data & wisdom for tech finance executives Tel Aviv, 18 February, 2024 - Aharon Navon, Co-founder & CBO of Grain Finance Offers some Best-Practices and Benchmarks for FX Management and Solutions. Prequel Ventures Startup of the month: Grain - Interview with Grain’s Supply Chains January 4 - In this month's interview we asked Ofir Bronhaim, VP of Digital Supply Chain at Grain, 8 questions about his company. Based out of Israel, Grain offers end-to-end cross-currency solutions. Grain addresses a critical issue for its customers by providing solutions that mitigate the challenges posed by currency volatility, particularly for freight forwarders and their shippers operating in international markets. TechCrunch Vesey Ventures closes on $78M debut fund to back fintech startups New York, April 20, 2023 - Vesey’s self-described mission is to back companies “transforming financial services” at the seed to Series B stages. It plans to invest $1.5 million to $3 million as initial checks, and larger amounts for follow-ons. Based in the United States and Israel, the fund has so far backed five startups, including Coast, Cyrus, Grain, Equi and Proper. HOTELBEDS Spotlight On Grain, the winner of Wayra x Hotelbeds’ Pitch Day Challenge Madrid, 29 November, 2023 - In this ‘Spotlight On’ blog series, we’ll be shining the light of attention on each of the start-ups that were shortlisted during this Pitch Day Challenge, to bring their work to the forefront of the travel industry’s focus. The second in this series, this ‘Spotlight On’ will focus on the development of Grain from its beginning to fully formed start-up, which captured our attention thanks to its embedded cross-currency solution that protects travel platforms and their customers from FX volatility. Travolution How bed banks are tackling FX challenges head-on in today's economy London, November 6, 2023 - While one size doesn’t fit all when it comes to FX and needs, Grain’s embedded cross-currency solutions can advise what would work best for each organisation. We interviewed Gerardo Del Río, CFO of Didatravel, to get his insights on how he as a CFO would approach it. treasuryXL Top 3 questions about managing cross-currency transactions answered Amsterdam, August 22, 2023 - Forex trading can be a complex and challenging topic for treasurers, but it’s important to understand that the decisions you make can have a significant impact on the company. In this article, experts from Grain, Kantox and Ebury answers the top 3 questions about forex trading that every treasurer MUST know about. treasuryXL treasuryXL and Grain Finance announce premium editorial partnership VENLO, The Netherlands, July 10, 2023 – treasuryXL, a leading community platform for professionals in the treasury industry, and Grain Finance, a unique end-to-end embedded cross-currency solution that enables software providers and marketplaces to eliminate FX volatility for their customers, have entered into a premium partnership. HOTELBEDS Hotelbeds announce first start-ups to be part of the TravelTech Lab Madrid, June 8, 2023 - Hotelbeds and Wayra, Telefónica's open innovation initiative, have announced the winners of the first TravelTech Lab by Hotelbeds challenge. The four start-ups chosen after presenting innovative solutions to connect B2B global travel ecosystem stakeholders are BotsLovers , Grain, Smartvel and Chekin.

Be part of Grain's Data team, playing a crucial role in supporting and optimizing the company's financial strategies. < Back Business Analyst Be part of Grain's Data team, playing a crucial role in supporting and optimizing the company's financial strategies. Full Time Tel Aviv Apply Now Who We Are: Grain is a pioneering fintech startup based in the heart of Tel Aviv. We offer embedded cross-currency solutions tailored for software platforms and marketplaces. Grain was founded by seasoned entrepreneurs, formerly of financial institutions like Barclays, Deutsche Bank, as well as other renowned fintech startups. Grain is backed by leading venture capital firms and prominent financial institutions. At Grain, we offer an opportunity to shape the fintech landscape and be a part of a community that’s committed to excellence. Role overview: We are seeking a dynamic and detail-oriented Business/Data Analyst to join Grain. In this versatile role, you will work closely with cross-functional teams to turn data into actionable insights, support sales and marketing efforts, enhance our understanding of client and market needs and come up with innovative solutions to solve complex day to day obstacles. Your work will directly impact Grain’s business strategy, and improve our customer conversion rate and customer experience. Key Responsibilities: Market Research: Conduct competitive analysis and market research to support strategy and sales efforts. Analyze internal and market data to uncover trends and opportunities. Convert data into actionable results and strategic recommendations using storytelling, visualization, and exceptional presentation skills. Sales support: create data-driven materials and presentations for prospects and clients. Forward-thinking: consistently anticipating needs, seeing the big picture, and supporting team members to excel in presentations to new and existing customers. Required Qualifications: 2-5 years of experience in management consulting, research analyst and/or business analysis Proficiency in Excel, SQL, and BI tools. Strong communication skills, with the ability to present data clearly. Detail-oriented with strong organizational skills. Proven ability to translate data into actionable insights and strategic recommendations. Performs well under pressure. Quick adaptability and ability to deliver insights in short cycles. Preferred Qualifications: Experience in a major consulting firm Experience in fast-paced startup environments. Knowledge of FX and finance domains. Familiarity with sales teams and processes. Apply Now

Be part of Grain's team, playing a crucial role in building and optimizing the company's Recruitment process. < Back Talent Acquisition Specialist Be part of Grain's team, playing a crucial role in building and optimizing the company's Recruitment process. Full Time Tel Aviv Apply Now Who We Are Grain is a pioneering fintech startup based in the heart of Tel Aviv. We offer embedded cross-currency solutions tailored for software platforms and marketplaces. Grain was founded by seasoned entrepreneurs, formerly of financial institutions like Barclays, Deutsche Bank, as well as other renowned fintech startups. Grain is backed by leading venture capital firms and prominent financial institutions. At Grain, we offer an opportunity to shape the fintech landscape and be a part of a community that's committed to excellence. Key Responsibilities Managed the hiring process, from sourcing to hiring, while providing the best-in-class candidate experience. Plan and initiate recruitment workflow (including screening calls, assessments and in-person interviews) Partner with hiring managers to identify recruitment needs Working with hiring managers & third party recruiting companies. Think outside the box and be creative to always find new channels and sources Qualifications 2-5 years of experience as a Technical Talent Acquisition Specialist from a start-up/fintech-tech company or a recruiting agency Sourcing experience, mainly with LinkedIn Recruiter Experience in recruiting for R&D positions Hands-on experience with various selection processes (interviews, phone interviews, reference checks, etc.) Your skills Excellent level of English (both written and spoken) Excellent communication and interpersonal skills Accurate, professional, and good presentation skills Ability to work well in a very dynamic environment Ability to work independently, lead projects, and prioritize High Service Orientation Apply Now