Market Intelligence

**About us**:
Soar is a global fintech startup that specializes in financing and investment. Currently headquartered in Saudi Arabia, Soar is growing throughout the region with a mission to help people achieve their financial goals with innovative financial and property investment solutions and tools through its multi-purpose platform, designed to offer a simple and seamless user experience.

**Role Purpose**

To manage/lead the analytical and strategic functions of the Treasury by integrating market intelligence with internal funding and liquidity planning. This role acts as the data-driven brain of the Treasury, providing actionable insights, forecasts, and recommendations that strengthen funding strategy, liquidity optimization, and investor confidence.

**Key Responsibilities**

1-Market Intelligence & External Analysis

2-Monitor developments in local and global financial markets, including interest rate trends, yield curves, and central bank policy shifts.

3-Track mortgage market dynamics, including housing finance trends, primary and secondary mortgage rates, and relevant indexes.

4-Analyze NDMC issuances, Sukuk market activity, and competitor funding transactions to identify pricing benchmarks and investor appetite.

5-Analyze relationships with banks, arrangers, and market participants to gather early intelligence on market sentiment and funding windows.

6-Prepare weekly and monthly Market Intelligence Reports summarizing key market movements, opportunities, and risks.
- **Treasury Planning & Funding Strategy**

1-Develop and maintain funding and liquidity forecasts across short, medium, and long-term horizons.

2-Support decision-making for new funding instruments (Sukuk, RMBS, credit lines, deposits) through scenario analysis and cost optimization.

3-Model funding mix scenarios, stress tests, and balance sheet projections aligned with business growth and regulatory requirements.

4-Contribute to ALCO and ExCom reporting by presenting data-backed insights and funding recommendations.
- **Financial Analytics & Reporting**

1-Design dashboards and financial models using Excel / Power BI to monitor liquidity positions, funding costs, and market benchmarks.

2-Perform cost-of-funding and profitability analytics across instruments and maturities.

3-Prepare concise and insightful presentations for Treasury, CEO, and Board Committees.

4-Maintain structured internal databases for historical market rates, funding transactions, and investor feedback.
- **Cross-Functional Collaboration**

1-Work closely with Finance, Securitization, Treasury Operations, and Risk teams to ensure data consistency and accurate forecasts.

2-Provide analytical support for Sukuk or RMBS issuance processes, including investor presentations and market updates.

3-Liaise with Investor Relations to align market messaging and pricing expectations.

**Qualifications & Experience**

**Education**:

- Bachelor’s degree in Finance, Economics, Accounting, or Financial Engineering.
- Master’s degree in Applied Finance, Financial Economics, or Investment Management is preferred.
- Professional certifications are a plus: CFA, FRM, or ACI / CTP.

**Experience**:

- 8-14 years of experience in Treasury, Financial Markets, or Corporate Finance — ideally within banks, fintechs, or real estate finance companies.
- Strong knowledge of mortgage market analysis, rate-setting mechanisms, and housing finance benchmarks.
- Proven experience in market research, financial modeling, and funding analytics.
- Solid understanding of Islamic finance instruments (Sukuk, RMBS, structured funding).
- Familiarity with Bloomberg, Refinitiv, and regulatory frameworks (SAMA, NDMC, CMA).

**Technical Skills**
- Advanced Excel and Power BI skills for modeling and dashboards.
- Proficiency in financial data terminals (Bloomberg, Refinitiv).
- Strong quantitative and analytical thinking.
- Deep understanding of mortgage market dynamics, including mortgage rate structures, housing finance trends, and relevant indexes (e.g., SAIBOR-linked mortgage benchmarks).
- Excellent presentation and written communication skills in English (Arabic a plus).