Financial Analyst - BNPL

Role overview

Key responsibilities

• Build, stress-test, and maintain driver-based three-statement, funding, and scenario models.
• Analyze asset-backed and warehouse facilities, including borrowing bases, advance rates, utilization, covenants, and drawdowns.
• Liaise operationally with lenders, banks, auditors, and external advisers and manage recurring reporting.
• Own budgeting, rolling forecasts, cash tracking, working capital, and liquidity monitoring.
• Analyze portfolio cohorts, vintages, DPD movements, roll rates, and loss trends with Risk.
• Prepare concise decision materials for management, the board, and lenders.

Required qualifications

• Have at least 2 years of relevant analytical finance experience with evidence of independent ownership.
• Have direct exposure to fintech, BNPL, credit platforms, lending operations, or receivables-based businesses.
• Build auditable driver-based models from scratch with clear assumptions, sensitivities, outputs, and error checks.
• Demonstrate strong cash and commercial judgment when working with incomplete or messy data.
• Be fluent in English with exceptional written and verbal communication.

Preferred qualifications

• Direct experience with asset-backed or warehouse funding facilities is preferred.
• Experience with cohort, vintage, DPD, or roll-rate analysis is preferred.
• Big Four transaction advisory or consulting experience is preferred.
• Progress toward CFA, CPA, SOCPA, or ACCA, or practical SQL and BI experience, is preferred.

Workplace and eligibility

• The role is full-time and onsite at the company's Riyadh office.
• The source states that applicants must be Saudi nationals or KSA residents eligible for an employer iqama transfer.

Compensation

• The company describes the salary package as competitive and payable in USD or SAR.

Benefits

• Benefits described include a diverse international team, innovation opportunities, direct impact, fast-paced learning, creative freedom, and a close-knit community.