Operations Officer Crowdlending & Financing Operations

About Dnaneer Financing

Dnaneer Financing Co. is a Saudi fintech company specializing in debt-based crowdfunding and business financing. Operating under the supervision of the Saudi Central Bank (SAMA), Dnaneer connects investors with businesses seeking financing through a digital platform that leverages technology and automation to provide efficient, transparent, and scalable financing and investment solutions. This full-time role is based in Riyadh, Saudi Arabia.

Operations Officer, Crowdlending & Financing Operations

The Operations Officer is responsible for executing and monitoring Dnaneer’s daily crowdlending operations across the entire financing lifecycle. This includes campaign publication, investor subscriptions, disbursements, repayments, distributions, and reconciliations. The role involves close collaboration with various internal teams, including Credit, Business Development, Finance, Compliance, Technology, and Customer Support.

Key Responsibilities

• Validate campaign terms and supporting documentation against approved financing terms, ensuring all Credit and Compliance approvals are in place before publication.
• Create, configure, and publish financing campaigns on the crowdlending platform within agreed timelines, monitoring funding progress and closing dates.
• Process approved amendments, cancellations, and campaign closures.
• Verify financing agreements and borrower documentation, preparing funded transactions for disbursement.
• Support investor onboarding and account activation, and process investor subscriptions, verifying allocations and issuing investment confirmations.
• Manage the repayment cycle, including monitoring schedules, collections, maintaining accurate outstanding balances, and escalating overdue payments.
• Ensure accurate allocation of repayments between principal, investor returns, and fees, and prepare investor distributions for approval.
• Conduct daily reconciliation between the platform, bank, payment records, and internal systems, resolving unmatched or failed transactions.
• Ensure all operational activities comply with approved authorization limits, internal policies, procedures, and SAMA requirements.
• Maintain complete, accurate, and traceable records and audit trails for all transactions.
• Identify and escalate discrepancies, operational risks, suspicious activity, and policy exceptions.
• Prepare daily, weekly, and monthly operational reports covering funding, disbursements, repayments, distributions, and SLA performance.
• Identify bottlenecks and collaborate with Product and Technology teams to automate processes.
• Participate in user acceptance testing (UAT) for new platform features and maintain SOPs and operational checklists.

Qualifications and Experience

• 2-5 years of experience in operations, preferably within financial services or fintech.
• Demonstrated ability to manage complex operational workflows and ensure compliance with regulatory requirements.
• Strong analytical skills for reconciliation and reporting.
• Experience working in a cross-functional environment.

Performance Metrics

Performance will be evaluated against operational targets and Service Level Agreements (SLAs) established by Operations management. Key performance indicators include campaign publication SLA, control compliance, transaction accuracy, distribution timeliness, reconciliation completion, and measurable improvements in process efficiency.

Career Development

This role offers exposure to digital financing, debt-based crowdfunding, and investor operations within a dynamic, cross-functional team. It provides opportunities for professional development and contributing to the growth of Saudi Arabia’s fintech ecosystem.