Senior Financial Analyst – Asset‑Backed Financing

About the role

We are seeking a Senior Financial Analyst to work closely with the CFO of Rize, a rent‑now‑pay‑later platform in Saudi Arabia. You will transform complex financial and portfolio data into clear insights that drive operating and funding decisions for the executive team, investors and board.

Key responsibilities

• Build, stress‑test and maintain driver‑based 3‑statement, funding and scenario financial models linking contract economics, yield, credit loss and servicing costs to cash flow and balance‑sheet outcomes.
• Own the analytical and reporting engine for asset‑backed and warehouse facilities, monitoring eligibility, borrowing‑base, advance rates, utilization, covenant headroom and drawdowns.
• Serve as the primary finance liaison for lenders, banks, auditors and external advisers, preparing regular reporting packages and responding to information requests.
• Lead the annual budgeting process, rolling forecasts and short‑term cash‑flow tracking, ensuring working‑capital and liquidity thresholds are met.
• Collaborate with the Risk team to analyse portfolio cohorts, vintages, DPD movements, roll rates and loss trends, translating findings into pricing, credit and funding recommendations.

Required profile

• Proven experience in senior financial analysis or corporate finance within a fast‑growing fintech or real‑estate environment.
• Strong analytical mindset with the ability to work with imperfect data and derive actionable insights.
• Excellent communication skills to present complex financial concepts clearly to senior stakeholders.

Required skills

• Financial modeling (driver‑based, scenario, 3‑statement)
• Budgeting and forecasting
• Cash‑flow management
• Asset‑backed financing analysis

What we offer

• Opportunity to shape the finance function of an innovative startup.
• Collaborative, multicultural team based in Riyadh.
• Competitive compensation package.