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.
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