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

Time Off & Flexibility
• 28 days annual leave + public holidays + your birthday off, always
• Hybrid work with flexible hours
• Paid sick leave + 3 wellbeing days
Work Environment
• Modern, pet-friendly office in the heart of Tallinn
• Fully stocked kitchen: snacks, fruit & drinks
Wellbeing & Perks
• Monthly Stebby allowance for sports & wellness
Culture & Team Life
• 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.