Chief Operating Officer - FinTech; Lending

Sanabil Studio is a venture builder that blends industry expertise, technology, and startup know-how to turn bold ideas into real businesses. We take concepts from zero to launch, and when a venture proves its potential, we back it with seed funding and hands on support to help it scale.

This venture is one of those bets: an open banking consumer micro‑lending platform in Saudi Arabia that uses real‑time financial data and a smart decision engine to offer fast, personalized micro‑loans to consumers who are priced out or passed over by traditional lenders.

We are looking for a Chief Operations Officer to lead Finance, Accounting, HR, Collections, and Customer Care and to build the operational backbone that takes this venture from early stage to scale.

• 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

• 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

• 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.

• Competitive pay: A package that reflects your seniority and the market, not a lowball with "equity upside" as the excuse.
• Meaningful equity:
  Real upside tied to the long‑term value you help create.
• Premium gear, day one:
  Everything you need to hit the ground running, set up and ready before your first morning.
• Mentorship that matters:
  Individual career development from people who've actually built and scaled ventures.
• An accelerated curve:
  You'll learn more here in 12 months than most roles offer in three years.