Operations Officer – Crowdlending & Financing Operations

About Dnaneer 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. Job Summary 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. Key Responsibilities 1. Campaign & Financing Lifecycle •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. 2. Investor Operations •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. 3. Repayments, Distributions & Reconciliation •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. 4. Controls & Compliance •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. 5. Reporting & Process Improvement •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. Qualifications & Experience Education •Bachelor’s degree in Finance, Accounting, Business Administration, Banking or a related field. Experience •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. Technical Skills •Strong Microsoft Excel skills and comfort with transaction management systems and operational dashboards. •Working knowledge of financing agreements, repayment schedules and transaction reconciliation. •Familiarity with KYC, AML/CFT and financial services operational controls. Personal Competencies •Strong attention to detail, accuracy and analytical problem-solving. •Highly organized, able to manage multiple priorities and meet deadlines. •Clear communicator who works effectively across teams. •High integrity and discretion with confidential information. •Adaptable and comfortable in a fast-growing fintech environment. Languages •Fluent Arabic and good working proficiency in English. Key Performance Indicators (KPIs) Performance will be measured against operational targets and SLAs set by Operations management, including: •Campaign Publication SLA: % of approved campaigns published accurately within the agreed timeline •Control Compliance: Zero campaigns published or transactions processed without required approvals •Transaction Accuracy: Accuracy of disbursements, investor allocations and repayment records •Distribution Timeliness: Investor principal and profit distributions processed accurately and on time •Reconciliation: Daily reconciliations completed on time, with breaks resolved within SLA •Process Improvement: Measurable reduction in manual errors and processing time Why Join Dnaneer? Work at the intersection of finance and technology and contribute directly to the growth of Saudi Arabia’s fintech ecosystem. You will gain hands-on exposure to digital financing, debt-based crowdfunding and investor operations in a dynamic, cross-functional team with real scope for professional development. Show more Show less

1. Campaign & Financing Lifecycle •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. 2. Investor Operations •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. 3. Repayments, Distributions & Reconciliation •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. 4. Controls & Compliance •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. 5. Reporting & Process Improvement •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.