Chief Technology Officer CTO

Love Finance Limited; Birmingham; On-site; GBP 90,000 - 120,000; Full time

Job summary

A fast-growing fintech company in Birmingham seeks a Chief Technology Officer (CTO) to lead technology strategy and ensure delivery across lending platforms. The role requires a strong background in regulated fintech, with expertise in Python and cloud infrastructure. You'll manage a cross-functional team and ensure compliance with financial regulations. This position offers a highly competitive salary and the opportunity to shape the future of responsible finance.

Benefits

High-growth company environment

Opportunity to shape fintech

Competitive salary package

Qualifications

• Proven track record leading technology strategy and delivery in a regulated fintech.
• Experience in teams under FCA oversight.
• Strong knowledge of the Consumer Credit Act.

Responsibilities

• Define and execute the technology roadmap for SME and consumer lending.
• Lead and mentor a cross-functional team of developers.
• Ensure platform compliance with FCA and data protection regulations.

Skills

Leadership in technology strategy

Proficiency in Python

Experience in regulated fintech

Cloud infrastructure knowledge (GCP)

Strong communication skills

Tools

Docker

Kubernetes

GitHub

Job description

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 accountability
• Ensure 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

Requirements

The Essential Skills of the CTO

• CTO with 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
• Leadership style that is accountable, delivery‑driven, collaborative, and goes beyond advisory capacity
• Operated in disciplined sprint environments, delivering measurable milestonesDeep 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

Benefits

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.