Chief Financial OfficerChief Financial Officer

ESTO is a fast-growing Baltic fintech making everyday finance simpler, smarter, and more accessible. We combine technology, finance, and a strong customer focus to create solutions that make a real difference for people and businesses. At ESTO, you’ll join an ambitious, international team where people have ownership, ideas are valued, and there’s plenty of room to grow. We’re building the future of digital finance and we’re looking for people who want to help shape it. ESTO is hiring a CFO 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. 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. 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. • 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 ???? 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.