Commercial Finance Executive

About the job

About UrBox

UrBox is a B2B2C loyalty and e-gifting (e-voucher) platform that connects enterprises, banks, e-wallets and brands with a wide merchant network to run customer loyalty programs, employee gifting and promotions. UrBox is in a phase of strong growth and regional expansion, and needs a finance partner working close to the business to make sure every growth deal is profitable and sustainable.

Role Purpose

Work alongside the Sales organization as a commercial finance partner: assess the financial viability of each deal, analyze margins by customer, merchant and product, support the development and compliance monitoring of pricing and discount policies, track receivables, and prepare regular commercial reports – helping management and the Executive Board make fast, well-informed commercial decisions.

Job Description

Deal Evaluation & Pricing

• Evaluate P&L, margin and cash flow for each deal/RFP against defined frameworks and thresholds before signing.
• Maintain the pricing model and discount framework under the manager’s guidance.
• Review key commercial terms in customer and merchant contracts (payment, credit, volume commitments, refunds) and flag risks.

Sales Policy Support

• Support drafting and updating of standard price lists, discount frameworks, payment/deposit policies and partner rebates by customer segment (Corporate, Bank/Fintech, Brand, International).
• Track exception-deal rates and Sales team policy compliance; compile data to assess policy effectiveness for management’s review.

Commercial Performance Analysis

• Analyze gross margin by customer, merchant, category, channel and product.
• Track unit economics and cost-to-serve; identify underperforming customers/merchants and recommend actions.

Budget, Forecast & KPI

• Support budgeting and rolling forecasts for revenue and margin; track monthly actuals vs. plan and explain variances.
• Support KPI/incentive calculation for the Sales team.

Receivables & Working Capital

• Monitor customer credit limits, AR aging and merchant reconciliation.
• Track merchant prepayments/advances, rebates and trade discounts.

Reporting

• Prepare periodic commercial performance reports and dashboards for management and the Executive Board.
• Support business cases and ad-hoc projects as assigned.

Requirements

• Education: Bachelor’s degree in Finance, Accounting, Economics or a related field.
• Experience: 1–3 years (Executive) or 3–5 years (Senior Executive) in FP&A, Commercial Finance, Management Accounting, Business Controlling or Audit/Advisory.
• Experience working with Sales or business teams.
• Solid understanding of P&L, margin analysis and cash flow; basic knowledge of pricing and unit economics.
• Able to read basic commercial contract terms.
• Advanced Excel (pivot tables, lookup functions, basic financial modeling).
• Analytical, detail-oriented and proactive; communicates well with Sales; works well under deadlines.

Senior Executive additionally

• Handles complex or high-value deals independently and negotiates terms with Sales.
• Builds and maintains financial models; explains variances and provides insights.

Nice to have

• ACCA, CFA, CPA, or in progress.
• Experience in fintech, e-commerce, loyalty, payments, retail, FMCG or B2B2C platforms.
• Knowledge of tax/invoicing regulations for vouchers and gifts in Vietnam.
• Power BI/Looker/Tableau, SQL; ERP experience (SAP, Oracle, Odoo, etc.).
• Good written and spoken English.