Job Overview
Director of Nomadic & Rural Financial Inclusion
Location: Tabuk, Najran, and Northern Borders Region, Saudi Arabia
Department: Inclusive Finance & Agricultural Technology
Reports to: Head of Financial Inclusion, Saudi Central Bank (SAMA)**
Department: Inclusive Finance & Agricultural Technology
Reports to: Head of Financial Inclusion, Saudi Central Bank (SAMA)**
The Mission: 2.3 million Saudis live in rural areas. 180,000 Bedouin households maintain semi-nomadic lifestyles. 40% of Saudi agricultural production comes from small farms in remote regions. And the financial system treats them as edge cases.
You will build financial infrastructure for the mobile and the marginalized—creating services that function where 4G is intermittent, where addresses don’t exist, where literacy varies, and where trust is built through personal relationships, not digital interfaces.
Your Mandate:
The Nomadic Financial Network (0-12 months)
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Design “Offline-First Digital Wallets” that function via mesh networks, satellite connectivity, and periodic synchronization—allowing transactions in the Empty Quarter where no cell tower exists
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Create “Voice-First Banking” in Najdi, Hijazi, and Bedouin dialects, using conversational AI that understands local terminology for money, livestock, and trade
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Build “Community Agent Networks”—trusted local figures (sheikhs, teachers, health workers) equipped with biometric-enabled devices to serve as human ATMs and financial educators
Agricultural Fintech (12-24 months)
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Launch “PalmPay”—a specialized payment and financing platform for date palm farmers, integrating with IoT soil sensors, drone imagery, and commodity markets to offer revenue-based financing (not collateral-based, as land ownership is complex)
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Build “Livestock Finance” using biometric ear-tagging and blockchain provenance to enable Shariah-compliant Murabaha financing for camel and sheep herds, with automated Zakat calculation on herd growth
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Create “Desert Crop Insurance” using satellite imagery and weather data to provide parametric Takaful coverage for farmers—payouts triggered automatically by drought indices, no claims process needed
The Rural Digital Economy (24-36 months)
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Establish “Rural Fintech Hubs” in 50 towns—physical spaces combining banking, e-commerce logistics, telemedicine, and government services
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Build “Heritage Commerce” platforms allowing Bedouin artisans, date producers, and traditional medicine practitioners to sell globally with integrated financing, logistics, and Shariah-compliant escrow
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Prove that financial inclusion is not charity—it is the unlocking of Saudi Arabia’s most underserved economic potential
The Profile: You have built financial services for rural populations in Africa, South Asia, or Latin America. You understand that “last mile” is not a metaphor—you have traveled it. You respect Bedouin culture and can work with tribal leaders as partners. You speak Arabic and have patience for the long, relationship-based trust-building that rural finance requires.
Are you excited about this opportunity?
Don’t miss the chance to make a difference in the fintech and FX industry!
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