Chief Operating Officer - FinTech (Lending)

Overview

The Role

• What you'll own here.
• Lead Finance, Accounting, HR, Collections, and Customer Care as one integrated operational function
• Build annual operating plans, monthly performance targets, and the financial controls to back them up
• Strengthen accounting accuracy, closing discipline, and full compliance with SAMA guidelines and NBFI requirements
• Lead budgeting, forecasting, liquidity planning, and cost management across the business
• Drive collections strategy, workflow automation, agency management, and portfolio health
• Improve HR systems — hiring, onboarding, compensation, and performance management
• Raise customer care quality, SLAs, and resolution times to a standard that earns trust
• Embed digital tools across all functions to reduce manual work and accelerate execution
• Manage vendors, outsourcing partners, and core system providers
• Support audits, regulatory reviews, and board reporting
• Coordinate closely with credit, product, technology, and compliance to keep everything aligned

The Profile

• You're probably a fit if…
• You have 10–15 years in consumer or micro-finance in Saudi Arabia, with a deep Finance and Accounting background
• You've led multiple functions simultaneously Finance, HR, Collections, Customer Care and kept them all performing
• You know SAMA regulations and NBFI operations well enough to advise, not just comply
• You have a proven track record of scaling operations through digital tools, dashboards, and workflow automation
• You make clear decisions under pressure and hold teams accountable with structure and KPIs, not just instinct
• You're a strong coach and team leader who builds capability, not dependency
• You're fluent in both Arabic and English you can operate seamlessly across internal teams, regulators, and partners
• Bonus: experience in early-stage or fast-paced lending environments where you had to build structure from scratch

The Environment

• What working here actually looks like.
• Operational Ownership This is not a governance role. You'll be in the business building systems, setting standards, and driving performance across every function you lead
• Compliance Without Compromise We operate in a regulated environment and take that seriously. You'll have the support and mandate to do things right, not just fast.
• Early Stage, Real Scale We're at the beginning of something with significant ambition. The operational infrastructure you build now will define how this company runs at scale.

What You Get From Us