Job description

Mamo is looking for a Chief Financial Officer to own our financial strategy and execution as we scale from an 8-digit annualized revenue startup into a unicorn across the Middle East. You'll sit at the intersection of regulatory compliance, commercial operations, fundraising, and company-building — translating business momentum into financial clarity for our board, investors, and team.

This is a hands-on role. You'll bring structure to complexity, build the finance function for the next phase of growth, and partner closely with the CEO on capital allocation, regulatory positioning, and long-term planning.

What you'll do

• Own Mamo's financial strategy across capital allocation, multi-year planning, and investment decision-making
• Lead fundraising processes end-to-end alongside the CEO: represent Mamo in investor conversations and board meetings, source and vet investors, manage investor relations, due diligence, and deal execution
• Deliver timely, accurate financial reporting to the board, investors, and regulators
• Own our DFSA and CBUAE regulatory obligations — regulatory reporting, client money segregation, and minimum capital adequacy — and ensure continuous compliance across all subsidiaries
• Drive the annual budgeting cycle and hold the business accountable to it
• Build and develop a high-performing, distributed finance team
• Lead complex relationships with auditors, banks, legal counsel, and partners like Visa
• Design scalable financial controls and processes — lightweight enough to move fast, robust enough to hold up under audit
• Oversee treasury management and FX risk across multi-entity, multi-currency operations
• Evaluate and support strategic transactions: partnerships, acquisitions, and new market entry
• Drive the commercial health of the business — unit economics, monetization strategy and P&L discipline across our products and customer segments

What we're looking for

• 15+ years in finance leadership
• Experience in fintech, payments, or regulated financial services
• Demonstrable track record of raising capital — equity rounds and debt facilities
• Deep understanding of CBUAE, DFSA or an equivalent regulated financial services environment
• Excellent negotiator
• Experience building finance functions from early-stage through scale
• Strong command of multi-entity, multi-currency consolidation and reporting
• Qualified accountant (ACA, ACCA, CPA, or equivalent) preferred
• Exceptional commercial instincts — you see finance as a lever for growth, not a constraint
• A serious passion for modernizing the way the finance function is run in the face of recent AI developments in tech and fintech
• High bias for clarity: you communicate complex numbers in plain language to boards, investors, and non-finance teams
• Aggressive builder mindset — you redesign systems and processes rather than inherit them and continuously challenge the status quo
• High attention to detail with a low tolerance for errors

About Mamo

Mamo is a licensed payments platform for SMEs in the MENA region. Merchants use us to accept payments online and in-person, issue corporate cards, and manage their business finances — all in one place.

The SME segment controls a substantial share of UAE GDP and has been systematically underserved by incumbents and is the gap we're building into.

We're regulated by the DFSA, processing real payment volume across a merchant base that spans independent businesses to high-growth startups.

We're at an early but real stage of scale — 8-digit annualized revenue, a 35-person team, and infrastructure built from scratch.

We have a high-performance team and believe in autonomy and agility. We own our own infrastructure, tech and processes and are continuously solving hard problems using a combination of strong tech and robust processes,