Operations Officer – Crowdlending & Financing Operations

Dnaneer Financing Co. is a Saudi fintech company operating in debt-based crowdfunding and business financing under the supervision of the Saudi Central Bank (SAMA). Our digital platform connects investors with businesses seeking financing, using technology and automation to deliver efficient, transparent and scalable financing and investment solutions.

The Operations Officer executes and monitors Dnaneer’s day-to-day crowdlending operations across the full financing lifecycle (campaign publication, investor subscriptions, disbursements, repayments, distributions and reconciliations), working closely with Credit, Business Development, Finance, Compliance, Technology and Customer Support.

• Validate campaign terms (amount, tenor, expected returns, repayment schedule, fees) and supporting documentation against approved financing terms, and confirm all required Credit and Compliance approvals are in place before publication.
• Create, configure and publish financing campaigns on the crowdlending platform within agreed timelines; monitor funding progress and closing dates, and process approved amendments, cancellations and campaign closure.
• Verify financing agreements and borrower documentation, and prepare funded transactions for disbursement, which is approved and released by Finance.

• Support investor onboarding and account activation with the relevant teams.
• Process investor subscriptions, verify allocations and issue investment confirmations.
• Resolve investor transaction inquiries in coordination with Customer Support.

• Manage the repayment cycle across active financings, including monitoring schedules and collections, maintaining accurate outstanding balances, escalating overdue payments to the Collections or Credit team, and closing financings once all contractual obligations are met.
• Ensure repayments are accurately allocated between principal, investor returns and fees, and that investor distributions are prepared for approval and release by Finance.
• Own daily reconciliation between the platform, bank and payment records, and internal systems, including the resolution of unmatched or failed transactions and support for month-end close.

• Ensure all operational activities are carried out within approved authorization limits and in line with internal policies, procedures and SAMA requirements, including confirmation that KYC, AML/CFT and customer verification checks are completed by the authorized teams.
• Maintain complete, accurate and traceable records and audit trails for every transaction, and support internal audits and regulatory reviews.
• Own the identification and prompt escalation of discrepancies, operational risks, suspicious activity and policy exceptions.

• Prepare daily, weekly and monthly operational reports covering funding, disbursements, repayments, distributions, exceptions and SLA performance.
• Identify bottlenecks and work with Product and Technology to automate campaign creation, transaction processing, reconciliation and reporting.
• Participate in user acceptance testing (UAT) for new platform features and maintain SOPs and operational checklists.

• Bachelor’s degree in Finance, Accounting, Business Administration, Banking or a related field.

• 2–4 years in financial, lending or banking operations within fintech, crowdfunding or financial services.
• Experience in debt-based crowdfunding, SME financing or digital lending is strongly preferred.

• Strong Microsoft Excel skills and comfort with transaction management systems and operational…