Chief Operating Officer - Sabiq

Sanabil Studio; Saudi Arabia; On-site; SAR 400,000 - 600,000; Full time

Job summary

A leading micro-finance firm in Saudi Arabia is seeking a Chief Operations Officer to oversee Finance, HR, Collections, and Customer Care. This role involves building operational plans, managing budgets, and ensuring compliance with local regulations. The ideal candidate will have 10-15 years of experience in finance and micro-finance, along with strong leadership skills and digital proficiency. Join us to drive growth and improve customer access to financing.

Qualifications

• 10 to 15 years in consumer or micro-finance in Saudi Arabia.
• Deep Finance and Accounting background.
• Experience leading multiple functions: Finance, HR, Collections, Customer Care.
• Strong knowledge of SAMA regulations and NBFI operations.
• Proven record in scaling operations using digital tools.
• Experience in fast-paced early stage environments.

Responsibilities

• Oversee Finance / Accounting, HR, Collections, Customer Care.
• Build annual operating plans and monthly performance targets.
• Set clear financial controls and reporting standards.
• Lead budgeting, forecasting, liquidity planning, and cost management.
• Improve HR hiring, onboarding, and performance systems.
• Drive collections strategy and workflow automation.
• Manage vendors and outsourcing partners.

Skills

Strong financial analysis and accounting control

Clear decision making

Team leadership and coaching

Strong process discipline

Good digital understanding

Fluent in Arabic and English

Job description

Brief

Our latest endeavor is a cutting-edge Open Banking Consumer Micro Lending venture in Saudi Arabia. The company leverages open banking data and a data-driven decision engine to offer quick, personalized micro-loans to consumers who are often overlooked by traditional lenders and priced out by specialized ones. By analyzing real-time financial transactions and behavioral data, we provide faster approvals, flexible terms, and affordable credit, helping more people access the financing they need.

Role

We're currently hiring for a Chief Operations Officer. In this role, you'll lead Finance, Accounting, HR, Collections, and Customer Care. You'll also drive execution, controls, and performance and ensure full alignment with SAMA regulations and support the CEO on strategy and operational scale.

Key Responsibilities

• Oversee Finance / Accounting, HR, Collections, Customer Care.
• Build annual operating plans and monthly performance targets.
• Set clear financial controls, reconciliation routines, and reporting standards.
• Strengthen accounting accuracy, closing discipline, and compliance with SAMA guidelines.
• Lead budgeting, forecasting, liquidity planning, and cost management.
• Improve HR hiring, onboarding, compensation, and performance systems.
• Drive collections strategy, workflow automation, agency management, and portfolio health.
• Raise customer care quality, SLAs, and resolution times.
• Embed digital tools in all functions to speed processes and reduce manual work.
• Lead adoption of dashboards, workflow systems, and automated reporting.
• Manage vendors, outsourcing partners, and core system providers.
• Support audits, regulatory reviews, and board reporting.
• Coordinate closely with credit, product, technology, and compliance.

Experience

• 10 to 15 years in consumer or micro-finance in Saudi Arabia.
• Deep Finance and Accounting background.
• Experience leading multiple functions, Finance, HR, Collections, Customer Care.
• Strong knowledge of SAMA regulations and NBFI operations.
• Proven record in scaling operations using digital tools.
• Experience in fast-paced early stage environments.

Skills

• Strong financial analysis and accounting control.
• Clear decision making.
• Team leadership and coaching.
• Strong process discipline.
• Good digital understanding to improve workflows, reporting, and customer journeys.
• Fluent in Arabic and English.

Ideal Profile

• Senior operator with lending and accounting depth.
• Strong grasp of compliance, risk, and portfolio quality.
• Skilled in building structure, setting KPIs, and driving accountability.
• Able to introduce digital improvements across all functions.