Fractional CTO for Series B FinTech Startups
Navigate the unique challenges of building a FinTech company at Series B. Expert technical leadership that understands both multi-product platform and FinTech-specific requirements.
Typical Funding
$15M - $50M
Team Size
50-150 people
Revenue
$10M - $30M ARR
Runway
36-48 months
What FinTech Companies Need at Series B
Technical Priorities
- Expand FinTech platform to new markets or segments
- Lead engineering org with specialized FinTech teams
- Optimize FinTech infrastructure for efficiency and cost
- Build data platform for FinTech insights and ML
- Establish thought leadership in FinTech technology
Industry-Specific Focus
- PCI-DSS compliance and payment security
- Banking integration and API partnerships
- Financial regulations (FinCEN, SEC, FCA)
- Fraud detection and prevention
- Real-time transaction processing at scale
Why FinTech at Series B is Different
FinTech companies at Series B face a unique combination of challenges. While Series B companies focus on multi-product platform, FinTech adds complexity through PCI-DSS requirements, PCI-DSS compliance and payment security technical needs, and industry-specific competitive dynamics. Our fractional CTOs understand both dimensions and help you navigate this intersection efficiently.
Challenges We Solve for Series B FinTech Companies
Series B Challenge
Coordination overhead with 100+ engineers slowing down product development
Series B Challenge
Platform can't support diverse product needs across customer segments
FinTech Challenge
PCI-DSS compliance and payment security at Series B scale
FinTech Challenge
Banking integration and API partnerships at Series B scale
Technical Leadership Gap
Finding CTO-level expertise who understands both Series B dynamics and FinTech regulations/requirements
Resource Constraints
Balancing FinTech compliance requirements with Series B budget and timeline constraints
FinTech Compliance at Series B
FinTech compliance is critical at Series B. We help you achieve and maintain necessary certifications while scaling your engineering organization.
Stage-Specific Compliance Priority
Maintain and expand compliance certifications. Consider additional frameworks like SOC 2 for global expansion.
FinTech Benchmarks for Series B
Tech Budget
$1.1M-$2.5M/month
Typical monthly tech spend at Series B
Team Size
50-150 people
Engineering team size for Series B
Time to Market
6-12 months
Typical development cycle at Series B
What Investors Expect from Series B FinTech Companies
Technical Requirements
- FinTech-appropriate architecture and security measures
- Compliance roadmap for PCI-DSS
- Scalable tech stack proven in FinTech companies
- Clear technical roadmap aligned with Series B milestones
- Strong engineering team or hiring plan
Key Metrics
- Product velocity: Consistent feature releases
- FinTech user engagement and retention metrics
- System reliability: 99%+ uptime for production systems
- Security posture: Zero critical vulnerabilities
- Technical efficiency: Cost per user or transaction
Our Approach for Series B FinTech Startups
Stage Expertise
Deep understanding of Series B dynamics: Multi-Product Platform, Global Scale.
Industry Knowledge
Proven experience with FinTech compliance, tech stacks, and best practices.
Network Access
Connect with vetted FinTech engineers, advisors, and technical partners.
Success Story
Series B enterprise platform, 120 people, $45M raised, $18M ARR, expanding to multiple product lines and international markets
Challenge
CTO (promoted from VP Eng) struggling with strategic challenges while managing day-to-day. Engineering org of 65 can't support 3 different product lines efficiently. Each team building redundant capabilities. Infrastructure costs at $85K/month growing faster than revenue. Enterprise customers in EU requiring data residency. Board pushing for $50M ARR in 18 months requiring 2x engineering productivity.
Solution
Fractional CTO engaged as strategic advisor to CTO and board technical observer. Key initiatives over 24 months: 1) Defined platform strategy extracting common capabilities (auth, billing, notifications, integrations), 2) Created platform engineering team building internal developer platform, 3) Restructured org into product divisions with shared platform services, 4) Led FinOps initiative reducing infrastructure costs 40% while improving performance, 5) Designed multi-region architecture for EU/US data residency, 6) Coached CTO on strategic thinking and executive presence, 7) Recruited 3 senior directors to build leadership bench, 8) Established architecture review board and technical strategy process, 9) Built ML platform supporting AI features across products.
Result
Scaled from $18M to $62M ARR in 24 months with engineering org of 135 (vs. planned 180 - higher productivity). Platform reduced time-to-market for new products from 9 months to 6 weeks. Infrastructure costs decreased from $85K to $72K/month despite 3.5x growth (improved unit economics). Successfully launched in EU with compliant data residency. Three product lines on shared platform with consistent capabilities. CTO promoted to Chief Product & Technology Officer. Engineering NPS improved from 6.8 to 8.4. Raised $80M Series C at $850M valuation with strong technical diligence.
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