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 role

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.

What You’ll Do : 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.

What We Expect : 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. Why You'll Love Working Here

• 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.