Job Overview
Lead Financial Analyst – Lending Performance, Portfolio Analytics & Risk-Adjusted Growth
Location: Riyadh, Saudi Arabia
Employment Type: Full-Time
Industry: Fintech | Financial Analysis | Lending | Portfolio Management | Risk Analytics
Role Overview
A high-growth fintech initiative in Riyadh is seeking a results-driven Lead Financial Analyst – Lending Performance, Portfolio Analytics & Risk-Adjusted Growth to oversee financial analysis across its expanding lending portfolio.
This role is central to ensuring that lending operations are both financially sustainable and growth-oriented. You will analyze borrower performance, revenue streams, and risk-adjusted returns—providing insights that guide lending strategies, pricing decisions, and portfolio optimization.
The position requires a professional who can combine financial expertise with analytical rigor to deliver actionable insights in a fast-paced fintech environment.
Key Responsibilities
- Analyze lending portfolio performance, including revenue generation, default rates, and profitability
- Develop financial models to assess loan pricing, interest structures, and risk-adjusted returns
- Monitor key metrics such as portfolio growth, delinquency rates, and recovery performance
- Provide financial insights to support credit policy and lending strategy decisions
- Conduct scenario analysis and stress testing for portfolio resilience
- Collaborate with risk and product teams to align financial and operational strategies
- Prepare financial reports and dashboards for senior leadership
- Ensure compliance with Saudi financial regulations and reporting standards
- Identify opportunities to improve portfolio efficiency and profitability
- Support budgeting, forecasting, and financial planning processes
- Contribute to strategic initiatives aimed at expanding lending operations
Required Candidate Profile
- Degree in Finance, Accounting, Economics, or related field
- 6+ years of experience in financial analysis, preferably in lending or financial services
- Strong expertise in financial modeling and portfolio analysis
- Experience with lending platforms and credit performance metrics
- Proficiency in Excel and data analysis tools
- Strong analytical and problem-solving skills
- Knowledge of Saudi fintech regulatory environment preferred
- Excellent communication and stakeholder management skills
Preferred Skills
- Experience with data analytics tools such as SQL or Python
- Knowledge of risk-adjusted performance metrics
- Exposure to SME lending and consumer finance
- Familiarity with real-time financial reporting systems
Compensation & Benefits
- Competitive leadership salary
- Performance-based incentives
- Housing and relocation support
- Healthcare and family benefits
- Annual travel allowance
- Career progression into senior finance roles
- Participation in major fintech growth initiatives
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