## About the Role
Founding CTO position. You will be the third name in the company. Your Mission:
- Architect and build the full mobile product
- React Native, TypeScript, Tailwind – owned end-to-end by you
- Lead backend and API strategy
- From data models to infrastructure decisions that scale
- Build the core engine
- Open Banking (PSD2) integrations, AI-driven transaction categorization, automated investment flows
- Design secure financial infrastructure
- PII handling, encryption, compliance-aware architecture from day one
- Set up the operational foundation
- CI/CD, monitoring, crash reporting, release processes – because users are trusting you with their money
- Work closely with CEO and CFO
- Translate complex financial logic into simple, human product experiences
⇒ The role evolves with the company: rapid build-up now, market readiness next, scaling after that.
## Who We're Looking For
Technically, you are:
- A React Native expert who thinks in user journeys, not just components
- Full-stack savvy – comfortable from mobile UI to backend architecture
- An AI-native builder — you use AI tools as a genuine force multiplier
- Someone who understands that in fintech, trust is the product
As a co-founder, you are:
- Curious about user behavior – you talk to people, not just to code
- Opinionated about product direction and not afraid to say so
- Organized, structured, and someone who keeps things moving
Your background can vary. Senior engineer ready to make the leap. Ex-founder. Graduate who's been building on the side and waiting for the right moment. What matters is the combination: technical depth and the instinct to build a company, not just a codebase.
One practical note: if you're currently employed, we'd expect you to be ready to commit full-time once we close our first funding round within the next few months.
## What's on the Table
- Significant equity
- Two driven co-founders, both based in Munich
- Fintech and regulatory advisors on board
- Existing alpha product
- Direct influence on product, strategy, and direction
- A technically unsolved, behaviorally interesting consumer product with clear European market potential
## Apply
→
[email protected]
Send us your CV and tell us in 3 sentences:
- What you've built recently (eg.links, repos, screenshots)
- Why fintech, and why driptip
- Why you want to do this as a co-founder, not just a job