Chief Risk Officer & Cofounder - Fintech

Sanabil Studio is a venture builder that blends industry expertise, technology, and startup know-how to turn bold ideas into real businesses. We take concepts from zero to launch, and when a venture proves its potential, we back it with seed funding and hands‑on support to help it scale.This venture is a fintech lending platform at its earliest stage — and we are looking for a Co‑Founder & Chief Risk Officer to help build it. You'll shape the credit risk philosophy, design the risk frameworks, own regulatory engagement, and sit at the founding table as a true partner in building a scalable, tech‑driven lending business in Saudi Arabia.THE ROLEWhat you'll own here.Act as a key member of the founding team, shaping company strategy, structure, and long‑term directionDesign and implement the end‑to‑end risk management framework tailored to fintech lending operationsLead the development of credit risk models — PD, LGD, EAD — scoring algorithms, and decisioning systems using traditional and alternative dataOwn the relationship with regulators including SAMA, ensuring full compliance and proactive regulatory alignmentMonitor loan performance, define risk appetite, and implement early warning systems for credit deteriorationBuild systems and processes to mitigate operational, fraud, and reputational risksPartner with co‑founders and product, tech, and data teams to embed risk controls seamlessly into the product experienceAlign risk practices with capital efficiency, unit economics, and growth objectivesBuild and lead governance processes and report on risk KPIs and strategy to investors and the boardTHE PROFILEYou're probably a fit if…You have 10+ years in senior risk roles within fintech or financial services, ideally in consumer or SME lendingYou've launched or scaled a risk function before — you know what it takes to build from zero, not just maintain what existsYou have deep technical proficiency in credit modeling, scoring, portfolio monitoring, and risk technologyYou understand Saudi Arabian financial regulations well enough to own the regulator relationship, not just respond to itYou've worked with fintech models such as BNPL, RNPL, microlending, or trade financeYou can translate complex risk concepts clearly to partners, regulators, and non‑risk stakeholdersYou have a co‑founder mentality — high ownership, entrepreneurial spirit, and genuinely excited about building from scratchYou are a Saudi National — this role is open to Saudi nationals onlyTHE ENVIRONMENTWhat working here actually looks like.A True Founding Role: You'll have a seat at the founding table with a voice in all major product, commercial, and strategic decisions — not a risk function bolted onto someone else's company.Backed From Day One: You'll have the full support of Sanabil Studio during the early stages — resources, expertise, and a network that most early‑stage founders don't have access to.High Stakes, High Ownership: You'll be building in one of the most dynamic fintech markets in the world, with real accountability and real upside to match.WHAT YOU GET FROM USFounder‑level equity: True co‑founder equity structured to reward long‑term value creation — not a token allocation.Competitive pay: A compensation package that reflects your seniority, with performance‑based incentives on top.Full studio support: Early validation, funding, and operational support from Sanabil Studio as you build.Premium gear, day one: Everything you need to hit the ground running, set up and ready before your first morning.An accelerated curve: You'll learn more here in 12 months than most roles offer in three years.#J-18808-Ljbffr