Chief Financial Officer (CFO)

Chief Financial Officer (CFO)

Fintech / Payments / High-Risk | EU Structure

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: • 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: • 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: • 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 • 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

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: • 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: • FP&A • 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 • 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 • High ownership, visibility, and influence on strategic decisions