Manager Zid Financing

About Zid and the Role

Zid | زد is building infrastructure to enable merchants to start, grow, and scale businesses through a unified commerce ecosystem. We are seeking a Manager, Zid Financing, to own Zid Financing end-to-end. This full-time role is based in Riyadh, Saudi Arabia, and requires an entrepreneurial leader to define strategy, build business plans, secure funding partnerships, set financing and risk models, and drive sustainable growth. The role offers high autonomy in the initial stages, working closely with various internal teams.

Key Responsibilities

• Own the overall strategy, business model, and growth plan for Zid Financing, including fund size, deployment, portfolio performance, revenue, margin, and growth targets.
• Define and continuously improve merchant eligibility criteria for financing, working with Data and Product teams to optimize credit scoring and risk logic.
• Source, evaluate, negotiate, and secure funding partnerships, managing commercial relationships and ensuring funding capacity aligns with business plans.
• Ensure Zid Financing activities comply with SAMA regulations and Saudi lending requirements, collaborating with Legal, Compliance, and Finance.
• Manage the full financing funnel from lead generation to portfolio management, identifying opportunities to improve conversion and reduce decision time.
• Lead cross-functional efforts with Product, Tech, Operations, Finance, Data, and Legal to deliver the Zid Financing roadmap and align on business objectives.
• Manage the financial performance of Zid Financing, monitoring revenue, margin, deployment, and portfolio quality, and providing insights to leadership.
• Operate with autonomy initially, then define organizational capabilities and build, hire, and lead a team to scale the financing business sustainably.

Required Experience and Qualifications

• 5-10 years of experience within a financing institution, fintech, bank, or similar financial services environment.
• Strong understanding of financing products, with exposure to eCommerce, SME, or merchant financing.
• Proven track record of building a product, business, or new initiative from the ground up.
• Experience in an entrepreneurial or founder-style role with significant ownership and autonomy.
• Experience managing commercial partnerships and negotiating financial or funding arrangements.
• Previous P&L or business performance ownership is preferred.

Skills and Attributes

• Strong understanding of credit risk, financing models, and portfolio performance.
• Knowledge of the Saudi regulatory environment for lending, including SAMA regulations.
• Strong commercial and negotiation skills for managing funding and strategic partnerships.
• Solid understanding of Product Management and the ability to translate business needs into product and technology requirements.
• Strong analytical and data-driven decision-making skills.
• Ability to build and manage a business plan with clear financial and operational targets.
• Strong stakeholder management and cross-functional leadership skills.
• Entrepreneurial mindset with a strong sense of ownership and accountability.
• Comfortable operating with high autonomy and making decisions in ambiguous environments.

Benefits of Joining Zid

• Opportunity to build a business within Zid with significant autonomy and accountability.
• Direct impact on merchants by providing access to financing for business growth.
• Exposure to cross-functional collaboration with Product, Tech, Operations, Finance, Data, and leadership.
• Potential to build and lead a team as the business scales.

Application Process

Candidates interested in this role are encouraged to apply. Salary details will be discussed during the interview process.