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 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