Chief Financial Officer

About ESTO

Founded in 2017, we are a fast-growing fintech company on a mission to make shopping and financial decisions effortless. By combining smart technology with customer-first thinking, we enable people to pay flexibly and businesses to grow faster.

As a team, we value ambition, ownership, and constant improvement. We move fast, think big, and build solutions that make a real impact on everyday lives.

About the Position

ESTO is hiring a Chief Financial Officer to own financial strategy, governance, and capital formation across one of the Baltics' most dynamic fintechs.

You will serve as a key architect of ESTO’s growth, driving liquidity, shaping funding strategy, and managing investor relations across fixed-income and equity markets. This is a high-impact executive role at the intersection of strategy, finance, and execution - ideal for a finance leader who thrives on complexity, precision, and pace.

Responsibilities

• Strategic Finance Leadership: Oversee the full financial architecture of the ESTO Group, encompassing governance, treasury, management reporting, accounting, and audit.
• Capital Markets and Funding: Lead all strategic financing activities, including debt issuance, equity transactions, and capital structure optimization across jurisdictions.
• Treasury and Liquidity Management: Chair the Group Liquidity Committee and ensure optimal deployment of capital and liquidity buffers in line with growth and risk targets.
• Financial Planning and Analytics: Drive advanced performance analytics, scenario modeling, and portfolio-level intelligence to support strategic decision-making.
• Governance and Control: Maintain robust internal controls, ensuring audit readiness, compliance with IFRS and local standards, and transparent stakeholder reporting.
• Stakeholder Engagement: Act as the central financial counterpart for investors, auditors, and regulatory authorities, maintaining institutional-grade communication standards.
• Cross-Functional Partnership: Collaborate with product, legal, credit, data, marketing, and operations teams to align capital allocation with business performance and expansion priorities.
• Financial Branding: Shape and articulate ESTO’s financial narrative across internal and external channels, reinforcing its positioning as a leading fintech innovator.

Requirements

• 5+ years of experience in senior financial management within banking, non-bank finance, or investment management.
• Proven record of raising and structuring capital - both fixed-income and equity.
• Deep understanding of treasury, liquidity, and capital markets mechanics.
• Mastery of financial governance, accounting frameworks, and investor-grade reporting.
• Strategic thinker with exceptional analytical precision and executive communication.
• Comfort operating in fast-moving, cross-border financial environments.

We Offer

• 28 days annual leave + public holidays + your birthday off, always
• Hybrid work with flexible hours
• Paid sick leave + 3 wellbeing days
• Modern, pet-friendly office in the heart of Tallinn
• Fully stocked kitchen: snacks, fruit & drinks
• Monthly Stebby allowance for sports & wellness
• Collaborative, multicultural team
• Regular events & offsites
• Room to bring ideas and make real impact

About the Company

Thinking big since 2017.

Since launching in Estonia in 2017, ESTO expanded to Lithuania in 2020 and Latvia in 2021.

Today we partner with 11,000+ merchants and serve nearly a million customers on a mission to simplify money by removing complexity, embracing transparency, and putting people first.

We’re driven by innovation that makes finance effortless, empowering people to take control of their financial future.

🌍 Equal Opportunity Employer

We value diversity and inclusion, and we're committed to a workplace where everyone feels welcome, has equal opportunities, and is treated fairly.

Location: Tallinn, Estonia

Remote status: Hybrid

Department: Finance Team