German Speaking Fintech CTO (Remote)

Remotely; Kassel; Remote; EUR 140,000 - 230,000; Full time

Benefits offered by this job

Subsidized job tickets

Bike leasing

Wellness memberships

Discounts

Anniversary gifts

Job summary

fino digital GmbH is seeking a visionary Chief Technology Officer to drive a customer-centric, data-driven fintech strategy across Europe. You will combine executive tech leadership with high-level business development, shaping our technology vision while engaging directly with C-level partners.

You will own cloud architectures, data analytics, and AI/ML stacks, ensure security/regulatory compliance, and partner with the CEO to steer growth, international expansion, and innovative banking

Qualifications

• 5+ years in senior tech leadership (CTO/VP Eng) in FinTech or banking.
• Deep cloud architecture knowledge (AWS/Azure/GCP).
• Experience driving customer-facing business development with C-levels.
• Business-fluent German and English (C1+).
• Ownership mindset with hands-on, data-driven approach.

Responsibilities

• Shape European data-driven business models and customer-centric products.
• Lead customer-facing engagements with C-level executives to explore new use cases.
• Direct engineering and product roadmaps with measurable outcomes.
• Oversee modern cloud architectures, APIs, data analytics, and AI/ML initiatives.
• Collaborate with CEO/management on growth and international expansion.

Skills

Leadership experience

Technical leadership

Business development

German & English

Entrepreneurial mindset

Tools

AWS

Azure

GCP

REST/GraphQL APIs

Data analytics/AI

Job description

Location

Full-remote within Germany (Headquarters in Kassel, with optional office days and dog-friendly workspace)

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.