Chief Financial Officer (CFO)
TODA Pay
We are looking for a strong, hands-on Chief Financial Officer
to lead the financial function in a fast-growing fintech company operating in payments, acquiring, and high-risk segments
across multiple jurisdictions.
This is a key C-level role
with direct impact on:
financial architecture of the business
liquidity and cash flow management
financial transparency and control
collaboration with Risk, Compliance, and Operations
long-term scalability of the company
You will work directly with the CEO and executive team , helping shape a transparent, resilient, and scalable financial system.
Key Responsibilities Financial Architecture & Structure
Build and optimize the financial architecture of a multi-jurisdictional business structure
Design and control fund flows between legal entities, providers, and partners
Ensure alignment with regulatory, contractual, and tax requirements
Support the development of a scalable and sustainable financial model for the business
Liquidity & Cash Flow Management (Fiat + Crypto)
Manage daily liquidity across multiple payment flows
Oversee payment calendars, balances, obligations, limits, and settlements
Monitor and mitigate risks such as:
liquidity gaps
settlement delays
FX exposure
blocked or reserved funds
Build financial scenarios and forecasting models ( base / stress / growth cases )
Reconciliation & Financial Control
Oversee and improve end-to-end reconciliation processes
Ensure data accuracy across:
transactions
fees
FX rates
conversions
settlements
Identify anomalies, financial inefficiencies, margin leakage, and operational blind spots
Accounting, Reporting & Intercompany
Build and manage intercompany financial models
(loans, service agreements, fees, licensing)
Supervise external accounting and financial reporting processes
Ensure tax compliance and support transfer pricing logic where relevant
Maintain financial discipline and reporting accuracy across jurisdictions
FP&A & Management Reporting
Own and manage:
P&L
Cash Flow
unit economics
Lead budgeting, forecasting, and variance analysis
Build clear management reporting and dashboards for leadership
Provide the CEO with high-quality financial visibility and decision support
Cross-Functional Partnership
Work closely with Risk, Compliance, Operations, Legal, and Business teams
Integrate financial logic into key business and risk decisions
Support topics related to:
AML / KYT / Fraud
reserves and rolling reserves
chargebacks
fund blocking and settlement exposure
Process Building & Automation
Build transparent and scalable financial processes
Document workflows and establish internal controls
Introduce automation and improve auditability across the finance function
Bring structure and clarity into complex financial operations
Requirements Must-have
1.5+ years of experience in fintech / payments / acquiring
Mandatory experience in high-risk segments
Experience working in PSP / EMI / acquiring environments
Strong understanding of international payment flows
Experience with multi-jurisdictional business structures
Hands-on experience with reconciliation and settlement processes
Strong understanding of liquidity and operational finance in payments
Ability to work both strategically and operationally
Nice to have
Experience with crypto payments
or hybrid fiat/crypto models
Understanding of safeguarding / segregation of funds
Experience with:
chargebacks
rolling reserves
settlement risk
Experience in regulated environments
(EU / UK)
Leadership Competencies
Strong leadership skills and ability to own the finance function end-to-end
Experience building or developing teams across:
Treasury
Accounting
FP&A
Reconciliation
Ability to collaborate cross-functionally with senior stakeholders
Strong decision-making skills in a fast-changing, high-growth environment
Strategic thinking with a deep understanding of how finance impacts the business
High level of ownership, accountability, and business maturity
Ability to structure complexity and create order in dynamic systems
Strong communication skills and ability to translate financial logic into business decisions
Success in This Role Looks Like
Stable and well-managed liquidity
Transparent and accurate financial reporting
No critical reconciliation or settlement errors
Clear financial visibility for leadership
Scalable, well-structured financial processes
Strong partnership between Finance and the rest of the business
What We Offer
C-level role with real business impact
Direct collaboration with the CEO and executive team
Opportunity to shape and build the finance function
Fast-growing and ambitious fintech environment
Flexible work format
High ownership, visibility, and influence on strategic decisions
#J-18808-Ljbffr
to lead the financial function in a fast-growing fintech company operating in payments, acquiring, and high-risk segments
across multiple jurisdictions.
This is a key C-level role
with direct impact on:
financial architecture of the business
liquidity and cash flow management
financial transparency and control
collaboration with Risk, Compliance, and Operations
long-term scalability of the company
You will work directly with the CEO and executive team , helping shape a transparent, resilient, and scalable financial system.
Key Responsibilities Financial Architecture & Structure
Build and optimize the financial architecture of a multi-jurisdictional business structure
Design and control fund flows between legal entities, providers, and partners
Ensure alignment with regulatory, contractual, and tax requirements
Support the development of a scalable and sustainable financial model for the business
Liquidity & Cash Flow Management (Fiat + Crypto)
Manage daily liquidity across multiple payment flows
Oversee payment calendars, balances, obligations, limits, and settlements
Monitor and mitigate risks such as:
liquidity gaps
settlement delays
FX exposure
blocked or reserved funds
Build financial scenarios and forecasting models ( base / stress / growth cases )
Reconciliation & Financial Control
Oversee and improve end-to-end reconciliation processes
Ensure data accuracy across:
transactions
fees
FX rates
conversions
settlements
Identify anomalies, financial inefficiencies, margin leakage, and operational blind spots
Accounting, Reporting & Intercompany
Build and manage intercompany financial models
(loans, service agreements, fees, licensing)
Supervise external accounting and financial reporting processes
Ensure tax compliance and support transfer pricing logic where relevant
Maintain financial discipline and reporting accuracy across jurisdictions
FP&A & Management Reporting
Own and manage:
P&L
Cash Flow
unit economics
Lead budgeting, forecasting, and variance analysis
Build clear management reporting and dashboards for leadership
Provide the CEO with high-quality financial visibility and decision support
Cross-Functional Partnership
Work closely with Risk, Compliance, Operations, Legal, and Business teams
Integrate financial logic into key business and risk decisions
Support topics related to:
AML / KYT / Fraud
reserves and rolling reserves
chargebacks
fund blocking and settlement exposure
Process Building & Automation
Build transparent and scalable financial processes
Document workflows and establish internal controls
Introduce automation and improve auditability across the finance function
Bring structure and clarity into complex financial operations
Requirements Must-have
1.5+ years of experience in fintech / payments / acquiring
Mandatory experience in high-risk segments
Experience working in PSP / EMI / acquiring environments
Strong understanding of international payment flows
Experience with multi-jurisdictional business structures
Hands-on experience with reconciliation and settlement processes
Strong understanding of liquidity and operational finance in payments
Ability to work both strategically and operationally
Nice to have
Experience with crypto payments
or hybrid fiat/crypto models
Understanding of safeguarding / segregation of funds
Experience with:
chargebacks
rolling reserves
settlement risk
Experience in regulated environments
(EU / UK)
Leadership Competencies
Strong leadership skills and ability to own the finance function end-to-end
Experience building or developing teams across:
Treasury
Accounting
FP&A
Reconciliation
Ability to collaborate cross-functionally with senior stakeholders
Strong decision-making skills in a fast-changing, high-growth environment
Strategic thinking with a deep understanding of how finance impacts the business
High level of ownership, accountability, and business maturity
Ability to structure complexity and create order in dynamic systems
Strong communication skills and ability to translate financial logic into business decisions
Success in This Role Looks Like
Stable and well-managed liquidity
Transparent and accurate financial reporting
No critical reconciliation or settlement errors
Clear financial visibility for leadership
Scalable, well-structured financial processes
Strong partnership between Finance and the rest of the business
What We Offer
C-level role with real business impact
Direct collaboration with the CEO and executive team
Opportunity to shape and build the finance function
Fast-growing and ambitious fintech environment
Flexible work format
High ownership, visibility, and influence on strategic decisions
#J-18808-Ljbffr
Reference: WJ-3875_13224666