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 accountabilityEnsure 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

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

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