Chief Financial Officer (CFO)

We are looking for a strong, hands-on Chief Financial Officer to lead the financial function in a fast-growing fintech company operating in payments, acquiring, and high-risk segments across multiple jurisdictions.

This is a key C-level role with direct impact on:

• financial architecture of the business
• liquidity and cash flow management
• financial transparency and control
• collaboration with Risk, Compliance, and Operations
• long-term scalability of the company

You will work directly with the CEO and executive team , helping shape a transparent, resilient, and scalable financial system.

Key Responsibilities

Financial Architecture & Structure

• Build and optimize the financial architecture of a multi-jurisdictional business structure
• Design and control fund flows between legal entities, providers, and partners
• Ensure alignment with regulatory, contractual, and tax requirements
• Support the development of a scalable and sustainable financial model for the business

Liquidity & Cash Flow Management (Fiat + Crypto)

• Manage daily liquidity across multiple payment flows
• Oversee payment calendars, balances, obligations, limits, and settlements
• Monitor and mitigate risks such as:
• liquidity gaps
• settlement delays
• FX exposure
• blocked or reserved funds
• Build financial scenarios and forecasting models ( base / stress / growth cases )

Reconciliation & Financial Control

• Oversee and improve end-to-end reconciliation processes
• Ensure data accuracy across:
• transactions
• fees
• FX rates
• conversions
• settlements
• Identify anomalies, financial inefficiencies, margin leakage, and operational blind spots

Accounting, Reporting & Intercompany

• Build and manage intercompany financial models (loans, service agreements, fees, licensing)
• Supervise external accounting and financial reporting processes
• Ensure tax compliance and support transfer pricing logic where relevant
• Maintain financial discipline and reporting accuracy across jurisdictions

FP&A & Management Reporting

• Own and manage:
• P&L
• Cash Flow
• unit economics
• Lead budgeting, forecasting, and variance analysis
• Build clear management reporting and dashboards for leadership
• Provide the CEO with high-quality financial visibility and decision support

Cross-Functional Partnership

• Work closely with Risk, Compliance, Operations, Legal, and Business teams
• Integrate financial logic into key business and risk decisions
• Support topics related to:
• AML / KYT / Fraud
• reserves and rolling reserves
• chargebacks
• fund blocking and settlement exposure

Process Building & Automation

• Build transparent and scalable financial processes
• Document workflows and establish internal controls
• Introduce automation and improve auditability across the finance function
• Bring structure and clarity into complex financial operations

Requirements

Must-have

• 1.5+ years of experience in fintech / payments / acquiring
• Mandatory experience in high-risk segments
• Experience working in PSP / EMI / acquiring environments
• Strong understanding of international payment flows
• Experience with multi-jurisdictional business structures
• Hands-on experience with reconciliation and settlement processes
• Strong understanding of liquidity and operational finance in payments
• Ability to work both strategically and operationally

Nice to have

• Experience with crypto payments or hybrid fiat/crypto models
• Understanding of safeguarding / segregation of funds
• Experience with:
• chargebacks
• rolling reserves
• settlement risk
• Experience in regulated environments (EU / UK)

Leadership Competencies

• Strong leadership skills and ability to own the finance function end-to-end
• Experience building or developing teams across:
• Treasury
• Accounting
• FP&A
• Reconciliation
• Ability to collaborate cross-functionally with senior stakeholders
• Strong decision-making skills in a fast-changing, high-growth environment
• Strategic thinking with a deep understanding of how finance impacts the business
• High level of ownership, accountability, and business maturity
• Ability to structure complexity and create order in dynamic systems
• Strong communication skills and ability to translate financial logic into business decisions

Success in This Role Looks Like

• Stable and well-managed liquidity
• Transparent and accurate financial reporting
• No critical reconciliation or settlement errors
• Clear financial visibility for leadership
• Scalable, well-structured financial processes
• Strong partnership between Finance and the rest of the business

What We Offer

• C-level role with real business impact
• Direct collaboration with the CEO and executive team
• Opportunity to shape and build the finance function
• Fast-growing and ambitious fintech environment
• Flexible work format
• High ownership, visibility, and influence on strategic decisions