German Speaking Fintech CTO (Remote)

Location: Full-remote within Germany (Headquarters in Kassel, with optional office days)

Employment Type: Permanent / Full-time

About the Role

We are seeking an entrepreneurial, visionary Chief Technology Officer (CTO) with a Customer-Centric Business Development Focus (all genders) to join fino digital GmbH. As a key strategic pillar in our organization, you will harness bank account and transaction data—which mirrors the entire financial life of our customers—and help our partners utilize this data efficiently and profitably.

This role uniquely blends executive technology leadership with high-level customer engagement. You will act as a strategic sparring partner to our founder and management, driving our technological vision while actively leading C-level sales conversations and co-creating innovative data-driven business models across Europe.

Key Responsibilities

• Strategic Leadership & Vision: Shape fino into a European pioneer for data-driven business models, defining how the financial industry works with data and translating emerging technologies into customer-centric products.
• Customer-Centric Business Development: Engage directly with C-level clients and decision-makers, articulating technological value, discovering new use cases, and turning them into viable revenue models.
• Technology Roadmap Ownership: Prioritize and direct the engineering and product roadmaps based on clear metrics, ensuring alignment with high-impact business outcomes.
• Architecture & Innovation: Oversee modern cloud architectures, API ecosystems, data analytics, and AI/ML stacks while adhering to strict banking security and regulatory frameworks.
• Executive Partnership: Collaborate closely with the CEO and management as a key strategic sparring partner to influence company-wide growth and international expansion.

Candidate Profile & Requirements

Must-Haves:

• Leadership Experience: 5+ years of senior technical leadership experience in a CTO, VP of Engineering, or comparable role, ideally within the FinTech or banking sector.
• Technical Expertise: Deep understanding of modern cloud architectures (AWS, Azure, GCP), REST/GraphQL APIs, data analytics, AI, and banking compliance/security requirements.
• Business & Sales Acumen: Proven ability to drive customer-facing business development, lead C-level discussions, and translate client needs into product concepts.
• Language Skills: Business-fluent command of both German and English (C1 level minimum); additional European languages are a strong advantage.
• Mindset: Entrepreneurial, visionary, hands-on, and data-driven with an ownership mentality.

Nice-to-Haves:

• Open Banking / PSD2 expertise and hands-on bank interface integration experience.
• Established professional network within the European banking and FinTech ecosystem.

Working Environment & Flexibility

• Remote-First Setup: Designed as a full-remote position within Germany, offering flexible working hours, modern equipment, and workation options.
• Team Collaboration: Occasional team gatherings and strategic planning sessions at our modern headquarters in Kassel (travel costs reimbursed).

Compensation & Benefits

• Competitive Package: Attractive base salary supplemented by an individual annual performance bonus, automatic periodic salary adjustments, and statutory pension/savings benefits.
• Work-Life Balance: 28 days of paid vacation plus guaranteed time off on December 24th and 31st.
• Perks & Extras: Subsidized job tickets, bicycle leasing (Bikeleasing), discounted regional wellness and fitness memberships (EGYM), corporate discounts, and anniversary gifts.
• Culture & Growth: A collaborative, flat-hierarchy team environment featuring regular social events, summer and Christmas parties, and continuous professional development opportunities.