# Chief Financial Officer

**Company:** ESTO
**Department:** Finance Team
**Location:** Tallinn
**Remote status:** Hybrid

**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.

_This position is no longer accepting applications._