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Co-Founder, Finance & Risk | Equity-Based
ayo
, KSA
Executive
Credit Risk ManagementConsumer FinanceRisk ManagementComplianceRegulatory ReadinessFintech Lending
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Credit Risk ManagementConsumer FinanceRisk Management
About the Role
Ayo, an early-stage Saudi fintech startup, is seeking a Co-Founder for Finance & Risk on an equity-based basis. The role involves shaping the credit and risk framework, supporting regulatory readiness, and structuring funding partner discussions.
Key Skills for This Role
Credit Risk ManagementConsumer FinanceRisk ManagementComplianceRegulatory ReadinessFintech Lending
Responsibilities
- Shape Ayo's credit and risk framework
- Support regulatory and licensing readiness
- Help structure funding partner discussions
- Review and improve eligibility, limits, repayment, and risk controls
- Strengthen Ayo's credibility with investors, funding partners, and financial institutions
- Work with the founding team on the financial operating model and partner structure
Requirements
- Strong experience in credit risk, consumer finance, financing companies, risk management, compliance, regulatory readiness, fintech lending, or funding partner operations
- Worked in or closely with a regulated financial institution, financing company, fintech, or credit related business in Saudi Arabia or the GCC
- Hands on experience in finance, risk, credit, compliance, or consumer finance
- Understands how financing companies evaluate products, risk, and capital deployment
- Comfortable joining an early stage startup before salary compensation
- Open to an equity based / milestone based founding role
Full Job Posting
About Ayo
- Ayo is an early stage Saudi fintech startup building a salary linked financial access platform for salaried employees.
- We are currently moving from MVP and controlled pilot toward a more structured regulatory, funding partner, and commercial launch path.
- We are looking for a Co Founder, Finance & Risk to join the founding team on an equity based basis.
- This is not a salaried role at this stage. It is a founding level opportunity for someone who believes in the problem, understands financial services, and can help shape Ayo's risk, regulatory, and funding partner foundation.
Who we are looking for
- We are looking for someone with strong experience in one or more of the following areas: credit risk, consumer finance, financing companies, risk management, compliance, regulatory readiness, fintech lending / financial access, funding partner or finance company operations.
- The ideal candidate has worked in or closely with a regulated financial institution, financing company, fintech, or credit related business in Saudi Arabia or the GCC.
What you will help with
- Shape Ayo's credit and risk framework
- Support regulatory and licensing readiness
- Help structure funding partner discussions
- Review and improve eligibility, limits, repayment, and risk controls
- Strengthen Ayo's credibility with investors, funding partners, and financial institutions
- Work with the founding team on the financial operating model and partner structure
This role is best for someone who
- Has hands on experience in finance, risk, credit, compliance, or consumer finance
- Understands how financing companies evaluate products, risk, and capital deployment
- Is comfortable joining an early stage startup before salary compensation
- Is open to an equity based / milestone based founding role
- Can commit meaningful time weekly to help build the company
- Wants to be part of building a serious fintech company from the ground up
Important note
- This is an early stage co founder opportunity, not a traditional employment role.
- We are looking for someone who can materially contribute to Ayo's future and help build the company with us.
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