Chief Technology Officer (CTO)

Love Finance; Birmingham; Hybrid; GBP 150,000 - 200,000; Full time

Job summary

A leading fintech firm based in Birmingham is seeking a Chief Technology Officer (CTO) to define the technology roadmap and lead a cross-functional team. The role offers a hybrid working environment and competitive salary. Ideal candidates will have a proven track record in regulated environments and strong communication skills. This position is key to shaping the future of responsible lending through innovative technology.

Qualifications

• Proven track record leading technology strategy in a fintech or bank.
• Experience managing teams under FCA oversight.
• Knowledge of Consumer Credit Act and data protection.

Responsibilities

• Define and execute technology roadmap for lending platforms.
• Lead a cross-functional team of developers.
• Ensure compliance with relevant regulations.
• Manage technology partnerships and ecosystem.

Skills

Leadership in technology strategy

Cloud infrastructure knowledge

Data engineering expertise

Strong communication skills

Experience in regulated environments

Tools

Google Cloud Platform

Kubernetes

Docker

GitHub Actions

Job description

Love Finance – New Vacancy - Chief Technology Officer (CTO) – Birmingham Head Office – Hybrid Working – Salary & Package (Highly Competitive)

Location: Hybrid (Birmingham HQ – Flexibility Discussed on Individual Basis) Salary & Package: Highly Competitive Type: Full-Time, Permanent

Love Finance is on a mission to revolutionise lending through smart, scalable technology. As one of the UK’s fastest-growing fintechs and the team behind Lovey—our new consumer credit platform—we're building the future of responsible finance.

We’re looking for a hands‑on Chief Technology Officer (CTO) to lead our tech strategy, drive sprint‑based delivery, and own data integrity across our lending platforms. This is a high‑impact role, reporting to the board and shaping the direction of both our B2B and B2C tech products.

What You’ll Do:

• Define and execute the technology roadmap for our SME and consumer lending platforms
• Lead and mentor a cross‑functional team of 7+ developers
• Architect and maintain scalable data pipelines and integrations
• Oversee agile delivery cycles with clear outcomes and accountabilityEnsure platform compliance with FCA, CCA, and data protection regulations
• Manage third‑party tech partnerships (e.g., Simform, NexGen)
• Consolidate ownership of Lovey’s full technology ecosystem
• Lead architectural design for data flow, resilience, and automation across lending systems
• Oversee sprint governance, partner performance, and system uptime
• Implement robust data and cyber risk frameworks aligned with FCA expectations
• Represent technology and innovation strategy to investors and the Board

Technology Background of the CTO:

• Languages: Python, TypeScript / JavaScript (Node.js), Dart (Flutter), SQL / MySQL, JSON, REST, GraphQL
• Cloud and Data: Google Cloud Platform (BigQuery, Cloud Run, Firestore, Pub/Sub)
• DevOps and Tooling: GitHub, GitHub Actions, Terraform, Docker, Kubernetes
• Monitoring: Stackdriver, Grafana, Prometheus
• Security: OAuth2, SSO, IAM, ISO27001 alignment, penetration testing
• Analytics and Integrations: ThoughtSpot, Provenir, LTi, HubSpot, Creditsafe, Experian, Wiserfunding, Hometrack, Infosys or TCS BaNCS

The Essential Skills of the CTO:

• CTO with a proven track record leading technology strategy and delivery in a regulated fintech, lender, or bank
• Must have led teams under FCA or equivalent oversight
• Knowledge of Consumer Credit Act, FCA frameworks, operational resilience, and data protection
• A Leadership style that is accountable, delivery‑driven, collaborative, bringing more than just an advisory capacity
• Operated in disciplined sprint environments, delivering measurable milestones
• Deep technical credibility, able to architect, query, and debug data
• Strong knowledge of cloud infrastructure (GCP) and forensic data engineering
• Strong communicator who can translate tech strategy into board‑level insight

The Desirable Skills of the CTO:

• Experience working towards a banking licence or launching consumer credit products
• Familiarity with AI/ML, Open Banking, and embedded finance
• SMF24 Certified

Join a high‑growth company where you can lead from the front and build technology that genuinely makes credit better for people and businesses.

Apply now to shape the future of fintech