Chief Financial Officer

Phaxis • Full-time • San Francisco, CA, US • 3w ago

An emerging-markets neobank providing USD-denominated banking services to customers in high-inflation, currency-volatile markets. We are building the institutional infrastructure — including pursuing a potential bank charter — and need a financially sophisticated executive to own the numbers, model the institution, and be a credible counterparty to regulators, banking partners, and our executive team.

This is an onsite position in San Francisco, CA with an appealing all cash salary and competitive benefits. This position will report to the Founders and relocation is offered, if needed.The OpportunityWe are looking for a CFO who has lived inside a bank — not just a tech company with a finance function. You will own the financial model of an institution, sit on the Asset-Liability Committee, and be accountable for the financial integrity of a regulated entity in an emerging-markets payments business with complex risk characteristics.What You'll Do

Own the financial model, budget, and capital planning for a regulated financial institution
Serve as the institution's representative on ALCO (Asset-Liability Committee)
Manage and report on liquidity, credit, interest rate risk, and capital adequacy
Build and maintain relationships with banking partners, auditors, and regulators
Establish financial controls, reporting infrastructure, and compliance with banking financial standards
Partner with the CRO and President on risk appetite and capital allocation decisions
Support the bank charter application process with financial modeling and regulatory submissions

What We're Looking For

CPA or CFA designation strongly preferred
Meaningful banking finance experience — former bank CFO, VP of Finance at a bank, or equivalent
Hands-on experience with ALCO, interest rate risk, liquidity management, and credit risk in a banking context
Regulatory literacy — familiarity with OCC, Client, or FDIC financial reporting requirements
Fintech or neobank experience is a plus; banking experience is a requirement
Director level or above; Big Four or bulge bracket background welcome if paired with real banking exposure

Ideal ProfileA finance executive who has sat across the table from bank regulators and knows what they want to see. You're not just a modeler — you understand the institutional obligations that come with holding customer deposits and operating in high-risk payment corridors.