Fractional CTO

Right Balance ®; United States; Remote; USD 120,000 - 200,000; Part time

Benefits offered by this job

Work remotely from anywhere in the USA

Impact on users' financial lives

Possibility of transitioning to full-time CTO

Job summary

A growing FinTech company based in the US is seeking an experienced Fractional CTO to guide their technical organization during a period of rapid growth. The ideal candidate will have a strong background in technical leadership and FinTech, with proven success in scaling engineering teams. This position offers the flexibility of fractional work with a pathway to full-time employment, allowing for remote engagement from anywhere in the USA.

Qualifications

• 3+ years of technical leadership experience as CTO or VP of Engineering.
• Fluent in English with strong communication skills.
• Experience assessing and developing engineering organizations.

Responsibilities

• Provide strategic vision and tactical execution for the engineering team.
• Actively involved in implementation details and clear communication.
• Evaluate and provide guidance on technology choices.

Skills

Technical leadership

FinTech experience

Clear communication

Hands-on engineering

Education

Bachelor’s degree in Computer Science or equivalent

Tools

AI/ML systems

Flutter

Go microservices

DynamoDB

AWS

Job description

Join to apply for the Fractional CTO role at Right Balance ®

Headquartered in Los Angeles, California, Right Balance provides top-tier technology talent for innovative companies in the US. We’re in the top 50 companies to watch in LA.

Ideal Candidate

Technical leaders who've scaled FinTech platforms from early stage to growth stage, enjoy being hands‑on with engineering teams, and want the flexibility of starting fractional with potential to transition full‑time.

Our client is a profitable FinTech startup focused on consumer lending and earned wage access. They've raised significant funding ($50M+) and are experiencing strong growth with ~500K subscribers and 2.5M+ accounts opened.

Opportunity

As they scale, they need experienced technical leadership to help them navigate the challenges of rapid growth. They're looking for someone who can provide both strategic vision and tactical execution to help the engineering organization evolve.

What We Need

A direct technical leader who can clearly articulate what needs to be done while being deeply involved in implementation details. This person should be an expert in all aspects of engineering and ideally product as well.

Engagement Model

Start fractional (part‑time) to assess the organization and develop strategic plans. Strong potential to transition to full‑time CTO if there's mutual alignment. Pure fractional engagement (without full‑time path) will be considered for the right candidate.

What’s in it for you?

• Shape the technical future of a profitable, fast‑growing FinTech company with real user impact.
• Work with the latest technology tools and constantly challenge the status quo.
• Start fractional to assess fit, with clear path to full‑time leadership role.
• 100% remote. Work anywhere in the USA, whether remotely from home, in a co‑working space, or as a digital nomad.
• Positively impact hundreds of thousands of people's financial lives while solving interesting technical challenges.

Required Qualifications

• US‑based (remote anywhere in the USA).
• Fluent speaking and writing English with ability to have real‑time technical and strategic conversations.
• 3+ years of technical leadership experience as CTO or VP of Engineering.
• Deep FinTech experience, ideally in the lending sector.
• Proven track record scaling engineering teams through growth phases.
• Hands‑on + Strategic Balance.
• Direct Technical Leadership. Clear communicator who can state what needs to be done and make decisions confidently.
• Experience assessing and developing engineering organizations.
• Ability to identify bottlenecks and provide strategic technical vision while remaining tactical.
• Experience with technical leadership structures and organizational design.
• Comfortable working with executive teams and providing clear technical guidance.
• Comfortable evaluating and working with niche technology choices.

Nice to Haves

• Hands‑on experience implementing AI/ML systems in production.
• Hands‑on experience in Flutter, Go microservices, DynamoDB and AWS.
• Product management experience or deep collaboration with product teams.
• Bachelor’s degree in Computer Science or equivalent demonstrated ability.

Frequently Asked Questions

What are your typical clients?

The majority of our clients are venture‑backed startups at the growth stage. Usually, at this stage, the company already achieved a product‑market fit and is looking to expand rapidly. That’s where we bring the best engineering practices, strong architecture, the latest technologies, and consistent processes to help companies scale.

What is the length of your engagements?

Most of our long‑term full‑time engagements last multiple years. It allows you to evolve your career with the client company taking on more responsibilities.

What’s your company size?

The Right Balance team is 55+ engineers going to 75+ by the end of the year. The current client size team is 43+ people. The timing is great to be a part of a rapidly growing team making meaningful contributions.

What happens if the engagement is completed?

Most of our engagements are long‑term in nature. That said, if the current engagement is ramping down, we’ll present you with more long‑term opportunities to transition into.

What are your core values?

• Client First: we only win when our clients win. We treat client challenges as our own.
• Ownership: we embrace responsibility, taking on challenges, getting them to completion, and enjoying getting things done.

Quality: we’re passionate about achieving quality outcomes by applying meticulous attention to detail.

Seniority Level

Executive

Employment Type

Contract

Job Function

Information Technology

Industries

Financial Services and IT Services and IT Consulting