Grain Glossary

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

Manage and direct the activities of the domestic and international payment operations, ensuring continuous, uninterrupted support from critical third parties. < Back Payment Operations Manager Manage and direct the activities of the domestic and international payment operations, ensuring continuous, uninterrupted support from critical third parties. 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. Qualifications : 3+ years of operations experience, with 2+ years in KYC/KYB processes and partner onboarding flows. Experience working with agreements and contracts, including drafting, reviewing, and ensuring compliance. Strong understanding of operational processes, with the ability to lead and optimize onboarding activities for partners. Proven experience managing high-performing teams or leading cross-functional projects. Familiarity with maintaining and enhancing operational relationships with internal and external partners. Expertise in handling payment recovery services, including resolving issues related to payment discrepancies, dispute resolutions, and transaction recalls. Solid understanding of fintech operations, accounts payable/receivable (AP/AR), and B2B strategies. Experience working in a global team environment, effectively collaborating across different time zones and cultures. A Day in the Life and How You’ll Make an Impact: Oversee the end-to-end onboarding process for partners, ensuring compliance with KYC/KYB regulations and seamless integration into operational workflows. Maintain and improve processes related to onboarding, agreements, and partner flow, ensuring accuracy and efficiency. Work closely with internal teams such as Risk & Compliance, Legal, Product, and Customer Experience to support operational goals and resolve escalations. Monitor and address issues involving payment irregularities, fraud reporting, and recovery efforts across payment channels (ACH, Wire, Push Transaction Recalls). Collaborate with partners to ensure adherence to agreements and ongoing operational success. Identify and troubleshoot technical or business issues affecting operations, coordinating with cross-functional teams to resolve them efficiently. Support strategic initiatives to drive operational efficiency, manage risks, and enhance the onboarding and payment experience for partners. Ensure compliance with industry standards and proactively address emerging risks in onboarding and payment operations. Work Schedule: Monday through Friday. Apply Now

Be part of Grain's Risk team, playing a crucial role in supporting and optimizing the company's financial strategies, executing and managing FX trades to ensure optimal market execution, and serving as the primary contact for trading and risk-related communications with liquidity providers and selected partners. < Back FX Execution Trader Be part of Grain's Risk team, playing a crucial role in supporting and optimizing the company's financial strategies, executing and managing FX trades to ensure optimal market execution, and serving as the primary contact for trading and risk-related communications with liquidity providers and selected partners. 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, and 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. Objectives of this role Efficiently execute and manage FX trades to ensure optimal market execution. Maintain and improve trading tools and processes to increase operational efficiency. Ensure accurate trade allocations and resolution of any discrepancies. Being a point of contact regarding trading related aspects with liquidity providers and selected partners Responsibilities Execute FX trades in accordance with client strategies and market conditions. Optimize Trading Tools to improve efficiency, implement enhancements to optimize control, ensure accurate trade capture, position management & inventory continuity day over day Ensure Trade Accuracy: Work closely with the operations team, bank’s dealing desks and brokers to ensure accurate trade allocations and resolve discrepancies. Maintain real-time monitoring positions, ensuring alignment with client objectives and risk parameters. Work closely with internal teams, including risk management, Data and operation teams. Source Liquidity: Engage with brokers and bank dealing desks to secure necessary liquidity. Ad Hoc Duties: Perform miscellaneous tasks as assigned, including generating ad hoc reports Required skills and qualifications Bachelor's degree in Finance, Economics, Mathematics, or a related field or equivalent industry experience 2+ years of FX trading desk experience, demonstrate ability in executing and managing trades, with a focus on FX derivatives Strong analytical skills and proficiency in statistical analysis tools and software with emphasis on advanced Excel skills 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 written and spoken English Apply Now

Get an overview of financial terms and their definitions. < BACK KNOWLEDGE BASE Grain Glossary Get an overview of financial terms and their definitions. ALL A A B B C C D D E E F F G G H H I I J J K K L L M M N N O O P P Q Q R R S S T T U U V V W W X X Z Z T Take Rate A take rate is the fee that a marketplace charges for a transaction that is carried out by a third-party seller or service provider. The take rate is a determining factor in a marketplace's revenue as reported on its income statement: Take rate * GMV (gross merchandise volume) = revenue. Tenor Tenor refers to the time between the maturity date and the maturity date of a financial instrument, such as a bond or loan. The tenor of a financial instrument can be expressed in various ways, such as years, months, or even days. Theta In finance, theta is a measure of an option's sensitivity to time-based changes in price. The Greek letter used in options pricing formulas to represent the amount by which the price of an option is expected to decline over a given period of time, due to the passage of time and the decay of the option's extrinsic value.Theta is typically expressed as a negative number, and it reflects the impact that the passage of time can have on the value of an option. Tick Ticks are units of measurement that represent the minimum price change for a security. Ticks are commonly used for expressing changes in a financial instrument's price, such as a stock, bond, commodity, or derivative, and they represent the smallest increment in a security's price. The value of a tick can vary depending on the security being traded and the market in which it is traded, but it is typically very small. For example, in the stock market, a tick may be equal to one cent for some stocks and $0.01 for others. Ticks are often used by traders and investors to track the performance of a security and to make decisions about buying and selling. Treasury bill (T-bill) T-bills are short-term debt securities issued by the U.S. government. T-bills are sold in denominations ranging from $100 to $1,000,000, and their maturities range from a few days to 52 weeks. Since T-bills are backed by the full faith and credit of the United States government, they are considered to be very safe investments. Investors often use them to park money or diversify their portfolios for a short period of time. T-bills do not pay interest, but they are sold at a discount to their face value, and the difference between the purchase price and the face value represents the return to the investor. T-bills are issued through competitive and noncompetitive bidding processes. Transaction Exposure Transaction exposure is the potential loss a company may incur due to changes in foreign exchange rates on existing financial obligations or expected future cash flows. Companies can use a variety of financial instruments and strategies to manage transaction exposure. Transaction exposure is also known as economic exposure. Trader A trader is a person who buys and sells financial instruments such as stocks, bonds, currencies, commodities, or derivatives in an attempt to make a profit. Traders can work on their own or as part of a larger financial institution, such as a bank or brokerage firm. Translation Exposure / Transaction Risk The translation exposure (also known as the translation risk) is the possibility that an organization's assets, liabilities, or income will change in value as a result of changes in exchange rates. Translation risk occurs when a company has equities, assets, liabilities, or income denominated in a foreign currency. Target redemption forwards (TARFs) Target redemption forwards (TARFs) are complex financial instruments that allow holders to exchange currencies at a better rate than the standard forward rate. Corporate organizations often use TARFs in foreign exchange (FX) markets. With multiple partial settlement dates, they combine a barrier (knock-out) call option and a barrier (knock-out) put option. If the enhanced rate reaches a target level, the product automatically expires if the holder hasn't paid an upfront premium. Tied Gold Tied gold in finance refers to a system where a country's currency is directly linked to gold reserves. Under this system, the value of the currency is backed by a fixed quantity of gold, and the government promises to exchange the currency for a specific amount of gold upon request. It is a form of gold standard. < PREVIOUS NEXT >

Get an overview of financial terms and their definitions. < BACK KNOWLEDGE BASE Grain Glossary Get an overview of financial terms and their definitions. ALL A A B B C C D D E E F F G G H H I I J J K K L L M M N N O O P P Q Q R R S S T T U U V V W W X X Z Z P Pips Pips are units of measurement used to express the change in value between two currencies. Pips represent the smallest increments of difference in exchange rates and they represent the change in value between two currencies. For most currency pairs, a pip is equal to the fourth decimal place of the exchange rate, but it can vary depending on the pair being traded and the size of the trade. A one-pip change in the EUR/USD exchange rate, for example, would be 1.1234 to 1.1235. A pip is a unit of measurement used in forex trading to calculate profit and loss. It is a crucial concept for traders to grasp. Positive Carry A positive carry occurs when the income generated by holding a financial asset exceeds its cost. This typically occurs when the asset pays a higher rate of return or yield than the cost of financing the purchase of the asset. Put Option Put options are financial contracts that give the holder the right, but not the obligation, to sell a specific asset at a predetermined price (the strike price) before a specific date (the expiration date). The asset that the put option gives the holder the right to sell is known as the underlying asset. Put options are often used as a way to hedge against potential price declines in the underlying asset, or to speculate on price declines. Put Spread A put spread is an option strategy that involves purchasing one put option while simultaneously selling another put option on the same underlying asset. The put options have different strike prices, and the option that is purchased has a higher strike price than the option that is sold. The goal of a put spread is to profit from a downward move in the price of the underlying asset, while also limiting potential losses. Primary Dealer A primary dealer is a financial institution that is authorized to buy and sell securities directly with a central bank, such as the Federal Reserve in the United States. Primary dealers are an important part of the financial system because they help to facilitate the implementation of monetary policy by the central bank. Primary dealers are typically large, well-capitalized banks or securities firms that are able to make markets in a wide range of securities, including U.S. government securities, agency securities, and mortgage-backed securities. They also act as market makers in these securities, providing liquidity to the market and helping to ensure that prices remain stable. Pegged Exchange Rate The pegged exchange rate system incorporates aspects of floating and fixed exchange rate systems. Smaller economies that are particularly susceptible to currency fluctuations will “peg” their currency (pegged currency) to a single major currency or a basket of currencies. These currencies are chosen based on which country the smaller economy experiences a lot of trade activity with or on which currency the nation’s debt is denominated in. < PREVIOUS NEXT >

Get an overview of financial terms and their definitions. < BACK KNOWLEDGE BASE Grain Glossary Get an overview of financial terms and their definitions. ALL A A B B C C D D E E F F G G H H I I J J K K L L M M N N O O P P Q Q R R S S T T U U V V W W X X Z Z E Electronic invoicing Electronic invoicing (e-invoicing) refers to the creation, exchange, and processing of invoices electronically instead of on paper. E-invoicing involves sending invoices electronically between a supplier and a buyer, usually via the internet. There are several benefits to this method of invoicing over traditional paper invoicing, including increased efficiency, reduced errors and fraud, improved cash flow, and lower costs for printing and mailing. In addition, e-invoicing can be integrated with financial systems, making the accounts payable process easier to automate and improving cash flow visibility. Embedded finance Embedded finance refers to the integration of financial services into non-financial products or services. This can take many forms, such as adding payment or lending functionality to a mobile app or website, or bundling insurance or investment products into a larger offering. Embedded finance aims to make financial services more accessible for consumers by bringing them directly into the products and services they use. Emerging markets Emerging markets refer to countries that are in the process of developing their economies and are considered to be of high growth potential. These countries are often classified as being less developed than more industrialized nations and are characterized by a lower level of per capita income, less developed financial markets, and less mature political systems. Exotic currency An exotic currency is a term used to describe a currency that is not widely traded or used in international transactions. These currencies are typically from smaller or less developed countries, and may be less liquid or more volatile than major currencies. Examples of exotic currencies are the Brazilian Real (BRL), South African Rand (ZAR), Mexican Peso (MXN). Turkish Lira (TRY), Indian Rupee (INR) and Russian Ruble. Exchange rate An exchange rate is the price at which one currency can be exchanged for another currency. It is the value of one currency in terms of another currency, and is determined by the supply and demand for the two currencies in the foreign exchange market. Economic value added (EVA) Economic value added (EVA) is a measure of a company's economic profit, or the value it creates beyond what shareholders require. A company's EVA is calculated by subtracting its after-tax operating profit from its cost of capital. ECB rate ECB rates are foreign exchange reference rates published by the European Central Bank. Every working day, the bank publishes the exchange rate for European currencies against the euro (EUR). < PREVIOUS NEXT >

Get an overview of financial terms and their definitions. < BACK KNOWLEDGE BASE Grain Glossary Get an overview of financial terms and their definitions. ALL A A B B C C D D E E F F G G H H I I J J K K L L M M N N O O P P Q Q R R S S T T U U V V W W X X Z Z R Reserve Currency The term reserve currency refers to a large amount of currency held by central banks and major financial institutions for international transactions. Since reserves do not need to be exchanged for trade, reserve currencies reduce exchange rate risk. Repurchase Agreement (REPO) Repo transactions involve one party selling securities to another with the agreement to buy them back later at a higher price. Often, repos are used to raise short-term capital or finance the purchase of securities. There are two types of repos: term repos, which have a fixed maturity date, and open repos, which have no fixed maturity date and can be terminated at any time. A repos is most commonly used by banks, hedge funds, and other financial institutions as a way to raise short-term capital, and they are considered a low-risk investment because they are usually secured with high-quality securities. Real-time gross settlement (RTGS) Real-time gross settlement (RTGS) systems are specialist funds transfer systems that allow money or securities to be transferred from one bank to another in real time and on a gross basis to avoid settlement risk. When a payment transaction is settled "in real time," there is no waiting period. Transactions are settled as soon as they are processed. The term "gross settlement" means the transaction is settled one-to-one, without bundling or netting with any other transaction. "Settlement" refers to payments that are final and irrevocable once processed. Reverse Repurchase Agreement (Rev REPO) A reverse repo is a financial transaction where one party purchases securities from another party and then sells them back at a lower price at a later date. Like regular repos, reverse repos can be either term repos or open repos, depending on whether they have a fixed maturity date. Reverse repos are typically used by banks, hedge funds, and other financial institutions as a way to invest short-term excess cash or to finance the purchase of securities. Rho Rho is a measure of the sensitivity of an option's price to changes in the risk-free interest rate. It is a Greek letter used in options pricing formulas to represent the amount by which the price of an option is expected to change in response to a 1% change in the risk-free interest rate. Rho is typically expressed as a percentage, and it reflects the impact that changes in the risk-free interest rate can have on the value of an option. Risk Reversal Risk reversals are financial transactions in which two parties exchange risk. It is generally used to hedge against or speculate on changes in the value of an underlying asset. One common type of risk reversal is an options strategy that involves the simultaneous purchase of a put option and the sale of a call option on the same underlying asset. This strategy is also known as a short straddle or a short combination. The put option gives the holder the right to sell the underlying asset at a predetermined price (the strike price), while the call option gives the holder the right to buy the underlying asset at the same strike price. Run on the Bank A run on the bank is a situation where a large number of depositors attempt to withdraw their money from a bank at the same time due to concerns about the bank's solvency or financial stability. This can be triggered by rumors or actual news of the bank's financial difficulties or instability. A run on the bank can have serious consequences, as it can lead to the bank's inability to fulfill the withdrawal requests of its depositors, resulting in a liquidity crisis that can spread to other banks and the wider financial system. In some cases, governments or central banks may step in to provide support and prevent a wider financial crisis. Repatriation of Profits The repatriation of profits means that a firm can send earnings or assets from abroad back to its home country in hard currency such as USD, EUR, and others. Rolling Option A rolling option is an options contract that grants a buyer the right to purchase something at a future date, as well as the choice to extend the expiration date of that right, for a fee. Realized Currency Gain A realized currency gain is the result of an increase in the exchange rate between the date the invoice is issued and the date it is settled in a foreign currency. Consequently, the amount converted to the base currency at settlement is greater than the amount at the time the invoice was raised, resulting in a profit. Realised Currency Loss Realised currency loss occurs when the exchange rate moves unfavorably between the date an invoice in a foreign currency is issued and the date it is settled. This results in the amount converted to the base currency at settlement being less than the amount at the time the invoice was raised, leading to a financial loss. < PREVIOUS NEXT >

Be part of Grain's team, playing a crucial role in building and optimizing the company's Sales strategies. < Back Sales Manager - Embedded Finance (Netherland) Be part of Grain's team, playing a crucial role in building and optimizing the company's Sales strategies. Full Time NL Apply Now Location: Netherlands Who We Are Grain is a pioneering fintech startup. 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. For our newly formed entity in Netherlands, we’re seeking an experienced and driven Sales Manager with a strong background in selling embedded finance products, particularly in the FX space, to drive revenue growth and oversee the expansion of our fintech solutions in Europe. 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, as well as will take on the leadership as a nominated management board member of the Grain B.V. This role requires residency in the Netherlands and a successful integrity and suitability screening by the Dutch Authority for the Financial Markets (AFM) . 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: Develop and execute a sales and distribution strategy to expand our presence in the European market. Lead a high-performing sales team and ensuring that sales targets and KPIs are met. 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: Establish strong relationships with key partners, software platforms, and marketplaces. 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 . Management board member Manage Grain B.V., ensure smooth operations and alignment with global Grain goals. Lead strategic initiatives to strengthen Grain B.V. position in the fintech industry. Manage & maintain regulatory compliance of a Dutch investment firm with AFM and European regulatory standards. Responsible for Grain B.V. business strategy & development, governance, financial results, risk management and operation. Represent Grain B.V. vis a vis various regulatory bodies in Netherland and Europe. Qualifications Experience: 5+ years of sales experience in fintech, embedded finance, or FX solutions, with a focus on the travel industry. Leadership experience, with at least 2 years in a managerial or board-level role within the financial industry including facing regulators and government authorities. 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. A deep understanding of financial regulations, investment firms, and compliance requirements in the Netherlands and European Market 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. Experience in managing and scaling high-growth sales team Regulatory & Suitability requirements: Any candidate applying for this position must meet the following AFM suitability and integrity assessment requirements: Residency: You must reside in the Netherlands. AFM Integrity Screening: If you have not been previously screened by AFM or DNB, an integrity assessment will be required. AFM Suitability Screening: You must meet the Policy Rule on Fitness 2012 (Beleidsregel Geschiktheid 2012), which includes: Management skills: At least 2 years of relevant experience in the last 10 years (minimum 1 year uninterrupted). Leadership experience: At least 2 years of hierarchical leadership in the last 10 years (minimum 1 year uninterrupted). Industry knowledge: At least 2 years of relevant work experience in the last 5 years (minimum 1 year uninterrupted). Operational fitness: At least 2 years of experience in business operations in the last 10 years (minimum 1 year uninterrupted). 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. A board-level position with strategic influence. 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

Help us make financial solutions more accessible. Learn about open roles. WE’RE HIRING! Join Our Team Be Part of Our Mission We’re looking for passionate people to join us and foster a culture that empowers you to do your best work. ENGINEERING Senior backend Infra 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. Tel Aviv Full Time 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. Tel Aviv Full Time SALES & MARKETING Sales Manager - Embedded Finance (Netherland) Be part of Grain's team, playing a crucial role in building and optimizing the company's Sales strategies. NL Full Time 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. Global Full Time MARKETING

We are Grain! Our mission is to eliminate FX risk by delivering an embedded cross-currency solution. Learn about our story, our team, and what we believe in. Join us on our mission to make financial solutions accessible to businesses of all sizes. WE ARE GRAIN! We Set Out to Eliminate FX Risk Delivering an embedded cross-currency solution that empowers software platforms and B2B marketplaces to secure their transactions against FX volatility. OUR STORY The Origin of Grain The first hedge dates back to the mid-1800s in Chicago, when farmers sought to lock-in prices for grain. To ensure price stability, the dealers committed to buy grain at a specific agreed-upon price, which they paid when the grain was delivered. As the evolution of commerce lifted the international borders of trade for small businesses, certainty in currency exchange rates has become essential for savvy global business owners. Grain mitigates your risk, and your end-users’ exposure to cross-currency volatility. Gain peace of mind, lower costs and drive higher sales with a simple, automated hedging solution without the hassle of bank bureaucracy. Dor Golan Founder & CEO "Currency hedging is crucial, particularly in uncertain times, but often limited to big firms. Grain aims to democratize this, offering every online marketplace and software platform the ability to provide currency hedging to their customers, leveling the global business field." Our Team We are entrepreneurs formerly of Barclays, Deutsche Bank, Wix, Melio and other top fintech startups who are passionate about making financial solutions accessible for businesses of all sizes. Dor previously served as the head of two successful hedge funds and as the co-founder of Horizon, a crypto liquidity provider. He has over 18 years of financial experience. Dor Golan CEO Michal spent 15 years in the financial sector, serving as the Global Head of Barclays FinTech Platform and the COO of Barclays Israel. Michal Beinisch COO As the former head of Barclay’s CEEMEA FX trading platform and the co-founder of Israel's largest FX Hedging non-bank, Aharon brings over 20 years of FX and risk management experience to Grain. Aharon Navon CBO Nir brings over 10 years of experience building and scaling fintech products. Prior to Grain, Nir led product organizations in companies such as Melio, BlueVine and Intuit. Nir Galon CPO Our team What We Believe In Our industry specific solutions are engineered to fit your needs and goals. You Come First We care about our customers. We are focused on providing value and helping our customers succeed. We Get Things Done We are efficient and effective on our mission to simplify an overly complex world. You’re In Good Hands We are experts in our field, we are passionate about what we do, and we are committed to protecting your interests. We Do the Right Thing We challenge the status quo in the pursuit of excellence to always provide the best solutions.