Chief Technology Officer CTO

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 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 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

Benefits

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