German Speaking Fintech CTO (Remote)

LocationFull-remote within Germany (Headquarters in Kassel, with optional office days and dog-friendly workspace)Employment TypePermanent / Full-timeAbout the RoleWe 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 ResponsibilitiesStrategic 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 & RequirementsMust-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 & FlexibilityRemote-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 & BenefitsCompetitive 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.