Chief Financial Officer (Real Estate FinTech)

Manar Rass; Riyadh; On-site; SAR 300,000 - 500,000; Full time

Job summary

A fintech real estate investment platform in Saudi Arabia is seeking a Chief Financial Officer (CFO) to lead financial strategy and regulatory readiness. The role demands strong leadership abilities and experience in managing finance within fintech or capital markets. The successful candidate will oversee financial governance, budgeting, and ensure compliance with CMA regulations. Join us to make a significant impact in a scaling startup focused on tokenized investments and blockchain-enabled financial models.

Benefits

Executive-level impact

Strategic partnership with CEO

Exposure to innovative financial models

Qualifications

• 10+ years of progressive finance leadership experience.
• Strong finance, investment, and commercial expertise.
• Experience in fintech or capital markets preferred.

Responsibilities

• Lead financial strategy for a regulated fintech investment platform.
• Design financial models for tokenized real estate investments.
• Oversee budgeting, treasury, and audit processes.

Skills

Strategic financial advisory

Adaptability to startup environments

Financial modeling

Investor relations

Regulatory compliance

Budgeting

Education

Bachelor’s degree in Finance, Economics, or Business

MBA preferred

CME-1A / CME-1B certification preferred

Job description

Finance & Operations Department - Full-time

Industry: FinTech × Real Estate Investment

Business Model: Tokenization & Blockchain

Department: Finance & Operations

Reports To: CEO

About us

We are a real estate investment fintech platform enabling investors to access vetted real estate investment opportunities through tokenized, blockchain-enabled investment structures, with a future roadmap toward fractional ownership models.

The company is currently in the Capital Market Authority (CMA) authorization phase and will operate only after obtaining CMA approval, within a regulated financial environment aligned with CMA requirements and relevant SAMA financial frameworks where applicable, to deliver a compliant, transparent, and scalable digital investment platform in Saudi Arabia.

Role Summary

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We are seeking an experienced Chief Financial Officer (CFO) to lead financial strategy, regulatory readiness, and governance in preparation for CMA certification and licensing.

The CFO will assume full-time operational responsibilities following CMA approval, aligned with the company’s planned go-live timeline.

This role is finance-led and business-driven, not accounting-centric. The CFO will act as a strategic partner to the CEO, translating regulatory and financial requirements into sound business decisions, while building the financial backbone of a regulated fintech startup operating at the intersection of real estate, fintech, and blockchain.

Candidates may come from large corporates, banks, or institutions, provided they demonstrate strong adaptability to startup environments, commercial acumen, and hands-on execution capability.

Key Responsibilities

Strategic & Business Finance

• Lead financial strategy for a regulated fintech investment platform
• Design financial models for tokenized real estate investment structures and future fractional ownership models
• Own forecasting, cash flow management, runway planning, and scenario analysis
• Support fundraising, investor relations, and valuation discussions
• Act as a strategic financial advisor to the CEO and Board

CMA Authorization & Regulatory Readiness

• Lead financial readiness for CMA authorization, including:
• Capital adequacy frameworks
• Financial disclosures and projections
• Coordinate with legal, compliance, and advisory teams on SAMA-related financial and payment considerations, where applicable
• Liaise with CMA, auditors, regulatory advisors, and compliance consultants
• Prepare and maintain financial policies, manuals, and controls required for licensing
• Ensure alignment with Saudi regulatory, fintech, and digital asset standards

Financial Governance & Controls

• Establish scalable financial governance, policies, and internal controls
• Oversee budgeting, treasury, and audit processes
• Ensure IFRS-aligned reporting (without a heavy accounting focus)
• Design financial structures that build investor trust and support platform scalability

Leadership & Execution

• Operate effectively in a hands-on, startup environment
• Communicate financial insights in clear business language
• Build and mentor finance resources as the company scales
• Balance institutional discipline with startup agility and speed

Candidate Profile

• Proven experience as CFO or equivalent senior finance leader
• Strong finance, investment, and commercial expertise
• Experience in fintech, investment platforms, asset management, banking, or capital markets
• Understanding of the Saudi market and regulatory landscape
• Exposure to CMA-regulated environments, with awareness of SAMA-related payment or financial frameworks considered an advantage
• Background may include large corporates, with demonstrated startup adaptability
• Comfortable operating in pre-launch, regulatory, and fast-evolving environments

Qualifications & Experience

• Bachelor’s degree in Finance, Economics, or Business (MBA preferred)
• 10+ years of progressive finance leadership experience
• Experience with regulated financial or investment environments
• CME-1A / CME-1B certification preferred

(CME-1A) = Passing CFA Level 1 (CFA Institute), or Fundamentals of Financial Services (CISI), or Financial Risk Management (GARP), or Securities Industry Essentials (FINRA)

• If not certified, the company will sponsor required CME certifications as mandated by the CMA prior to licensing

Why Join us?

• Executive-level impact in a Saudi fintech startup
• Key role in shaping a tokenized real estate investment platform
• Exposure to blockchain-enabled financial models
• Strategic partnership with the CEO and Board from day one