Financial Analyst - BNPL

Rize | رايز; Riyadh; On-site; SAR 180,000 - 270,000; Full time

Benefits offered by this job

Competitive salary (USD or SAR)

Diverse international team

Innovation

Direct impact

Fast-paced learning

Creative freedom

Close-knit community

Job summary

Rize is seeking a Senior Financial Analyst to partner with our CFO and translate complex financial data into actionable funding decisions. You will own models, forecasts, and analyses used by executives, lenders, and investors.

This role suits someone who builds from first principles, handles imperfect data, and communicates insights with razor-sharp clarity. You will collaborate on asset-backed financing, budgeting, and cash-flow planning, shaping risk-adjusted pricing and funding strategies

Qualifications

• 2+ years of analytical finance experience with clear evidence of independent ownership.
• Fintech/BNPL domain experience in credit platforms.
• Direct exposure to lending or receivables-based businesses with credit economics or funding exposure.
• Advanced Excel and driver-based modeling with auditable outputs and error checks.
• Strong cash and commercial judgment to translate data into financial strategies.
• Fluent English with exceptional written and verbal communication.
• Location: Onsite in Riyadh; Saudi National or resident eligible for iqama transfer.

Responsibilities

• Build, stress-test, and maintain driver-based 3-statement, funding, and scenario models.
• Own the analytical engine for asset-backed/warehouse facilities, including eligibility, borrowing base, rates, covenant headroom, and drawdowns.
• Liaise with lenders, banks, auditors, and external advisers; manage recurring reporting and information requests.
• Own the annual budget, rolling forecasts, and short-term cash tracking; monitor working capital and liquidity thresholds.
• Analyze cohorts, vintages, DPD movements, roll rates, and loss trends; translate findings into pricing and funding recommendations.
• Create concise, executive-ready presentations for management, the board, and lenders.

Skills

Analytical finance

Fintech/BNPL domain

Credit economics / lending

Advanced Excel & modeling

Cash flow planning

English fluency

Saudi national / iqama eligible

Tools

SQL

BI tools

Job description

Rize is a groundbreaking rent-now-pay-later platform reshaping the rental landscape in Saudi Arabia. We're dedicated to making rentals more accessible and affordable, enabling tenants to manage their finances with ease and landlords to secure their income effortlessly. We're on a mission to revolutionize the rental industry, breaking down barriers and creating opportunities for all. We're a team of innovators, thinkers, and problem-solvers, committed to creating a positive impact and driving change in the market.

Our Team

We love working together, being creative, and doing things differently! Our team is made up of people with different nationalities. We work from a cozy office in Riyadh, Saudi Arabia. And hey, we're not just smart, we're really good at coming up with new ideas.

Our core values & Principles

• Innovation – We’re a technology-driven team with the purpose of uplifting the real estate sector. We are the leaders of the industry in innovation.
• Customer Centricity – We put the customer at the core of every decision and action.
• Adaptability - Being able to adapt quickly to changing market conditions and customer needs.
• Empowerment & Collaboration – Our team is the most valuable aspect of the company; We respect all ideas, our team enjoys authority, autonomy, and collaboration.
• Ethical Excellence - We perform within the highest ethical standard.

Job Summary

We are looking for a Senior Financial Analyst to partner closely with our CFO and turn complex financial and portfolio data into clear operating and funding decisions. In this role, you will own the models, forecasts, and analysis used by our executive team, funding partners, board, and investors. This role suits someone who builds from first principles, thrives through imperfect data, and communicates commercial and liquidity insights with razor-sharp clarity.

What will you be doing?

• Financial Modeling: Build, stress-test, and maintain driver-based 3-statement, funding, and scenario models. Connect contract economics, yield, funding cost, credit loss, and servicing cost-to cash flow, profitability, and balance-sheet outcomes.
• Asset-Backed Financing: Own the analytical and reporting engine for asset-backed and warehouse facilities, including eligibility, borrowing-base availability, advance rates, utilization, covenant headroom, and drawdowns.
• External Stakeholder Liaison: Act as the primary operational finance liaison for lenders, banks, auditors, and external advisers. Handle recurring reporting packages, fulfill information requests, and maintain smooth day-to-day working relationships (while senior negotiations remain with the CFO).
• Planning & Cash Flow: Own the annual budget, rolling forecasts, and short-term cash tracking. Monitor working capital and minimum liquidity thresholds to spot funding needs well ahead of time.
• Portfolio Analytics: Partner with Risk to analyze cohorts, vintages, DPD movements, roll rates, and loss trends—translating your findings into concrete pricing, credit, and funding recommendations.
• Decision Materials: Create concise, executive-ready presentations for management, the board, and lenders that state the decision clearly, evaluate trade-offs, and suggest action steps.

You're a perfect match if you have

• 2+ years of of relevant analytical finance experience (FP&A, financial modeling, corporate finance, transaction advisory, or investment banking) with clear evidence of independent ownership.
• Fintech / BNPL Domain experience: Direct exposure to credit platforms, BNPL, or lending operations.
• Direct exposure to lending or receivables-based businesses (e.g., consumer finance, BNPL, or banking) with hands-on credit economics or funding facility exposure.
• Advanced Excel & Modeling Mastery: Ability to build auditable, driver-based models from scratch with clear assumptions, logic, outputs, sensitivities, and built-in error checks.
• Strong Cash & Commercial Judgment: Ability to turn incomplete or messy operational data into defensible financial strategies.
• Fluency in English with exceptional written and verbal communication.
• Location: Full-time onsite in our Riyadh office. Must be a Saudi National or a KSA resident eligible for an employer iqama transfer.Nice-to-Haves

Preferred:

• Direct experience with asset-backed/warehouse funding facilities (borrowing bases, covenant tracking, lender reporting, drawdown schedules).
• Hands-on experience with cohort, vintage, DPD, or roll-rate analysis.
• Background in Big Four transaction advisory/consulting, especially if followed by in-house fintech or lending ownership.
• Progress toward CFA, CPA, SOCPA, ACCA, or practical experience with SQL and BI tools.

Benefits

What do we offer?

• Competitive salary - Receive a competitive salary package in USD or SAR, reflecting your skills and contributions in our industry.
• Diverse International team - Join a diverse international team where different perspectives and backgrounds enrich our collaborative culture.
• Innovation - Shape the future of Proptech with your groundbreaking ideas and technological prowess.
• Direct Impact - See your ideas come to life and make tangible changes in an industry ripe for revolution.
• Fast-paced Learning - Grow personally and professionally every day with opportunities to master new skills in our dynamic start-up environment.
• Creative Freedom - Take the reins, innovate, and push boundaries with the freedom to experiment, learn, and grow at Rize.
• Close-knit Community - Join a collaborative, supportive team where your voice matters and your contributions are recognized and celebrated.