Valu is the leading lifestyle-enabling fintech platform offering customers and businesses convenient and comprehensive financial solutions. 
Under its product universe, Valu pioneered Buy-Now, Pay-Later (BNPL) solutions in the MENA region, providing customizable financing plans for up to 60 months across more than 5,000 points of sale and over 600 websites – covering a diverse array of categories, including home appliances, electronics, home finishing, furniture, residential solar solutions, healthcare, education, travel, and fashion, among others. 
valU also offers investment products, an instant cash redemption program, and savings solutions through the AZ valU fund, Sha2labaz, and Akeed, respectively. 
In addition, Valu offers businesses through Valu Business hassle-free HR payroll services and more. As an award-winning fintech player in the MENA region, Valu embraces a progressive mindset with an agile workforce committed to architecting innovative financial solutions.

Banking

Consumer Services

Credit

FinTech

Payments

Valu

This department focuses on integrating various applications and systems to ensure seamless communication and data exchange.

Application Integration

This department manages and enhances processes that support the sales function, including administration, strategy implementation, and performance optimization.

Sales Operations

The Sales and Business Development Team at Valu focuses on expanding and nurturing the company's network of clients and partners. They drive business growth by acquiring new customers, forging strategic partnerships, and optimizing the sales process. This team is responsible for managing merchant relationships, developing tailored financial solutions, and ensuring a seamless experience for both individual and corporate clients. Additionally, they explore new market opportunities, spearhead sales initiatives, and support operational efficiency to maximize customer satisfaction and revenue.

Sales and Business Development Team

This department focuses on overseeing and optimizing the processes involved in collecting debts and managing accounts receivable.

Collections Management

This department focuses on identifying, assessing, and mitigating financial and operational risks within the organization.

Risk Management

This department oversees the development and lifecycle of products, ensuring alignment with market needs and organizational goals.

Product Management

This department oversees and coordinates the day-to-day operations, ensuring efficient workflow and service delivery.

People (4)

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Other teams

Sales Operations

Sales and Business Development Team

Collections Management

Risk Management

Product Management

Operations Management