محلل مالي - أشتري الان و أدفع لاحقا

Job Overview

Join Rize, a pioneering rent-now-pay-later platform revolutionizing the rental market in Saudi Arabia. Our mission is to enhance accessibility and affordability in rentals, empowering tenants to manage their finances with confidence while providing landlords with seamless income security. As a forward-thinking organization, we are committed to dismantling industry barriers and fostering opportunities for all stakeholders. Our diverse, innovative team of professionals collaborates in a dynamic environment, driving meaningful change and setting new benchmarks in the real estate sector.

Our Team & Culture

At Rize, we thrive on creativity, collaboration, and unconventional problem-solving. Our multicultural team operates from our modern office in Riyadh, Saudi Arabia, where we foster an environment that values bold ideas and continuous innovation. We are not just industry leaders; we are trailblazers, consistently pushing boundaries to redefine the rental experience.

Core Values & Principles

• Innovation: As a technology-driven organization, we lead the industry in adopting cutting-edge solutions to uplift the real estate sector.
• Customer Centricity: Every decision and action is rooted in prioritizing the needs and experiences of our customers.
• Adaptability: We embrace agility, swiftly responding to evolving market conditions and customer demands.
• Empowerment & Collaboration: Our team is our greatest asset. We foster an environment of respect, autonomy, and collective success, where every idea is valued.
• Ethical Excellence: We uphold the highest standards of integrity and ethical conduct in all our operations.

Role Summary

We are seeking a Senior Financial Analyst to collaborate closely with our Chief Financial Officer (CFO) and transform complex financial and portfolio data into actionable insights for strategic decision-making. This role is ideal for an analytical professional who excels in building models from first principles, thrives in ambiguous data environments, and delivers precise commercial and liquidity insights to stakeholders, including the executive team, funding partners, board members, and investors.

Key Responsibilities

• Financial Modeling: Develop, validate, and maintain sophisticated driver-based models, including 3-statement, funding, and scenario models. Analyze contract economics, yield, funding costs, credit losses, and servicing costs to project cash flow, profitability, and balance sheet outcomes.
• Asset-Backed Financing: Lead the analytical and reporting framework for asset-backed and warehouse facilities. Manage eligibility assessments, borrowing-base availability, advance rates, utilization tracking, covenant headroom, and drawdown processes.
• Stakeholder Engagement: Serve as the primary operational finance liaison for lenders, banks, auditors, and external advisors. Prepare recurring reporting packages, respond to information requests, and maintain productive working relationships (with senior negotiations retained by the CFO).
• Planning & Cash Flow Management: Oversee the annual budgeting process, rolling forecasts, and short-term cash flow tracking. Monitor working capital and liquidity thresholds to proactively identify funding requirements.
• Portfolio Analytics: Partner with the Risk team to analyze portfolio performance, including cohort behavior, vintage trends, Days Past Due (DPD) movements, roll rates, and loss patterns. Translate findings into actionable recommendations for pricing, credit policies, and funding strategies.
• Executive Decision Support: Create concise, high-impact presentations for management, the board, and lenders. Clearly articulate decisions, evaluate trade-offs, and propose actionable next steps.

Ideal Candidate Profile

We are looking for a candidate with:

• Relevant Experience: A minimum of 2 years in analytical finance roles, such as Financial Planning & Analysis (FP&A), financial modeling, corporate finance, transaction advisory, or investment banking, with a proven track record of independent ownership.
• Fintech/BNPL Domain Expertise: Hands-on experience in credit platforms, Buy Now Pay Later (BNPL) services, or lending operations.
• Lending/Receivables Exposure: Direct involvement with lending or receivables-based businesses, including consumer finance, BNPL, or banking, with a focus on credit economics or funding facility management.
• Technical Proficiency: Advanced Excel skills and the ability to build auditable, driver-based models from scratch. Models should include clear assumptions, logical frameworks, outputs, sensitivities, and built-in error checks.
• Commercial Acumen: The ability to derive defensible financial insights from incomplete or complex operational data, demonstrating strong judgment in cash flow and commercial decision-making.