Financial Analyst - BNPL
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Role Overview
Rize is seeking a Senior Financial Analyst to partner closely with the CFO.
The role turns complex financial and portfolio data into operating and funding decisions.
The analyst will own models, forecasts, and analysis used by executives, funding partners, the board, and investors.
Key Skills for This Role
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About Rize
Rize operates a rent-now-pay-later platform intended to make rentals more accessible and affordable in Saudi Arabia.
The company is technology-driven and focused on innovation in the real estate sector.
The team works from an office in Riyadh, Saudi Arabia.
Job Summary
Rize is seeking a Senior Financial Analyst to partner closely with the CFO.
The role turns complex financial and portfolio data into operating and funding decisions.
The analyst will own models, forecasts, and analysis used by executives, funding partners, the board, and investors.
Core Responsibilities
- Build, stress-test, and maintain driver-based three-statement, funding, and scenario models.
- Connect contract economics, yield, funding cost, credit loss, and servicing cost to financial outcomes.
- Own analytical and reporting processes for asset-backed and warehouse facilities.
- Monitor borrowing-base availability, advance rates, utilization, covenant headroom, and drawdowns.
- Liaise operationally with lenders, banks, auditors, and external advisers.
- Own annual budgeting, rolling forecasts, short-term cash tracking, working capital, and liquidity monitoring.
- Analyze cohorts, vintages, DPD movements, roll rates, and loss trends with Risk.
- Translate portfolio findings into pricing, credit, and funding recommendations.
- Prepare concise decision materials for management, the board, and lenders.
Required Qualifications
- At least 2 years of relevant analytical finance experience with evidence of independent ownership.
- Direct exposure to fintech, BNPL, credit platforms, or lending operations.
- Hands-on exposure to credit economics or funding facilities in lending or receivables-based businesses.
- Advanced ability to build auditable, driver-based models from scratch.
- Strong cash and commercial judgment with incomplete or messy operational data.
- Fluency in English with exceptional written and verbal communication.
Preferred Qualifications
- Experience with asset-backed or warehouse funding facilities, borrowing bases, covenants, lender reporting, or drawdowns.
- Experience with cohort, vintage, DPD, or roll-rate analysis.
- Big Four transaction advisory or consulting experience followed by in-house fintech or lending ownership.
- Progress toward CFA, CPA, SOCPA, or ACCA.
- Practical experience with SQL and BI tools.
Workplace
- The position is full-time and onsite at Rize's Riyadh office.
What Rize Offers
- A competitive salary package in USD or SAR.
- A diverse international team and collaborative working culture.
- Opportunities to shape the future of proptech and make a direct industry impact.
- A fast-paced environment with opportunities for continued learning and growth.
- Creative freedom and a close-knit, supportive community.
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