Co-Founder & Chief Operating Officer

Sanabil Studio; Riyadh; On-site; SAR 350,000 - 700,000; Full time

Benefits offered by this job

Competitive pay

Equity

Premium gear

Mentorship that matters

Accelerated curve

Job summary

Sanabil Studio in Saudi Arabia is building a next-generation financial technology platform for the Saudi market, focusing on transforming customer experience through technology, data, and operational excellence. The role is Co-Founder & CXO, responsible for leading Finance, Accounting, HR, Collections and Customer Care, shaping the operating backbone as the company scales.

You will drive budgeting, controls, compliance with SAMA and NBFI, and embed digital tools across functions to accelerate

Qualifications

• 10–15 years of experience in consumer or micro-finance in Saudi Arabia with a strong Finance and Accounting foundation.
• Led multiple functions concurrently (Finance, HR, Collections, Customer Care) and delivered performance.
• Deep knowledge of SAMA regulations and NBFI operations and advising on them, not just compliance.
• Proven track record of scaling operations using digital tools, dashboards, and automation.
• Fluent in Arabic and English; able to operate across regulators and partners.

Responsibilities

• Lead Finance, Accounting, HR, Collections, and Customer Care as one integrated operational function.
• Build annual operating plans, monthly targets, and financial controls.
• Strengthen accounting accuracy, closing discipline, and regulatory compliance (SAMA, NBFI).
• Lead budgeting, forecasting, liquidity planning, and cost management.
• Drive collections strategy, workflow automation, agency management, and portfolio health.
• Improve HR systems, including hiring, onboarding, compensation, and performance management.
• Raise customer care quality, SLAs, and resolution times to build 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 with credit, product, technology, and compliance for alignment.

Skills

Finance leadership

Cross-functional leadership

Regulatory knowledge

Digital dashboards

KPI governance

Tools

Dashboard tools

Workflow automation

Job description

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 & CXO 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.