A Sanabil Studio company is building a next-generation financial technology platform for the Saudi market, focused on reimagining a traditionally underserved customer experience through technology, data, and operational excellence.

Backed by Sanabil Studio, the venture combines modern infrastructure, intelligent systems, and customer-centric design to deliver a faster, more seamless, and more accessible financial experience tailored to the evolving needs of the Saudi market.

We are looking for a Co-Founder & Chief Operations Officer to lead and scale the company’s operational backbone across Finance, Accounting, HR, Collections, and Customer Care, helping build the foundations of a high-growth technology venture from the ground up.

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 support them.

• 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 overall portfolio health.

• Improve HR systems, including hiring, onboarding, compensation, and performance management.

• Raise customer care quality, SLAs, and resolution times to a level that builds trust and retention.

• 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 ensure full alignment.

THE PROFILE You're probably a fit if…

• You have 10–15 years of experience in consumer or micro-finance in Saudi Arabia, with a strong foundation in Finance and Accounting.

• You have led multiple functions simultaneously, including Finance, HR, Collections, and Customer Care, and consistently delivered performance.

• You have deep knowledge of SAMA regulations and NBFI operations, and can advise on them, not just comply.

• You have a proven track record of scaling operations through digital tools, dashboards, and workflow automation.

• You make clear, structured decisions under pressure and hold teams accountable through KPIs and performance frameworks.

• You are a strong leader and coach who builds team capability and ownership.

• You are fluent in both Arabic and English and can operate seamlessly across internal teams, regulators, and external partners.

• Bonus: Experience in early-stage or high-growth lending environments where you built an operational structure from scratch.

THE ENVIRONMENT: What working here actually looks like.

• Operational Ownership: This is not a governance role. You will 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 it seriously. You will have the mandate and support to do things right, not just fast.

• Early Stage, Real Scale: We are at the beginning of something with significant ambition. The infrastructure you build now will define how the company operates at scale.

What You Get From Us

• Competitive pay: A package that reflects your seniority and the market.

• Meaningful equity: Real upside tied to the long-term value you help create.

• Premium gear, day one: Fully set up and ready before your first day.

• Mentorship that matters: Learn from people who have built and scaled ventures.

• An accelerated curve: You’ll learn more here in 12 months than most roles offer in three years.