About Us

UMO is a stealth-mode FinTech venture aiming to evolve the way people experience money by building a unified, AI-powered, yet deeply human modern money platform across fiat, crypto, and investments - subject to regulatory approvals. The platform is being designed to break down traditional barriers to money across access, assets, and experience, enabling simpler, more adaptive ways for people to interact with financial services.

We are currently developing our MVP and navigating licensing requirements, with a multidisciplinary team of 100+ people representing 20+ nationalities. With our headquarters in the UAE and offices in Portugal and Ukraine, we are united behind a shared ambition and a relentless focus on serving our customers.

About the Role

We are seeking a senior finance leader who combines strategic vision with hands-on execution to establish and grow the Finance Organization. As VP/Director of Finance, you will:

• Build and operate the core financial infrastructure from the ground up (for both: crypto custody + exchange and traditional banking services).
• Lead across five responsibility pillars: Financial Operations/Accounting, Treasury & Liquidity Management, Financial Planning & Reporting (FP&A), Pricing, Team Leadership.

This role is to grow into our future CFO. At the startup stage, you will be wearing two hats.

• Leading the finance department teams, processes, structures, and systems needed for scale
• Heading the Accounting & Fin. Ops. Function
  
  

Key Responsibilities:

Financial Operations & Accounting

• Build and oversee end-to-end financial operations, including settlements, reconciliations, and ledger management across fiat, crypto, and investment products.
• Manage relationships with liquidity providers, PSPs, Fireblocks, custodians, Visa/Mastercard, and settlement partners.
• Establish and maintain accounting policies and processes (IFRS, UAE GAAP, crypto asset treatment).
• Ensure accurate and timely financial close, consolidation, and reporting across multiple entities and currencies.
• Oversee regulatory reporting, audits, and tax compliance (corporate tax, VAT, transfer pricing).
• Implement strong internal controls and ensure audit-readiness at all times.

Treasury & Liquidity Management

• Develop and execute the treasury strategy: cash management, liquidity buffers, and working capital optimization.
• Oversee funds flow management across fiat, crypto, and cross-border payment rails.
• Manage hedging strategies for FX and crypto exposure.
• Monitor and optimize capital allocation and liquidity reserves in line with regulatory and business needs.
• Set up treasury systems and reporting dashboards to give real-time visibility to management.
• Collaborate with banks, EMIs, custodians, and partners to optimize settlement cycles and liquidity use.

Financial Planning & Analysis (FP&A)

• Lead the budgeting, forecasting, and long-term planning cycles.
• Build financial models and scenario analyses to support new product launches, strategic decisions, and growth planning.
• Develop and track unit economics, profitability metrics, and cost drivers.
• Provide clear dashboards and financial performance reporting to the CEO and leadership team.
• Support capital allocation decisions to ensure disciplined and efficient use of resources.
• Partner with Product, Compliance, and Tech to embed financial considerations into product design and business strategy.

Pricing

• Design and oversee the pricing framework for products and services (payments, crypto exchange, investments).
• Conduct profitability and sensitivity analyses to balance competitiveness with margin targets.
• Establish discounting, fee structures, and cost allocation models.
• Collaborate with Product and Strategy teams to test, evaluate, and optimize pricing models in line with market trends and regulatory requirements.
• Ensure pricing decisions are aligned with unit economics, customer acquisition, and long-term profitability goals.

Team Leadership & Culture

• Build and lead a high-performing Finance team (Ops, Accounting, Treasury, FP&A).
• Define roles, responsibilities, and career paths within the finance function.
• Mentor and develop team members to ensure professional growth and succession readiness.
• Foster a documentation-first and control-oriented culture that balances compliance with business enablement.
• Act as a strategic partner to the CFO and executive leadership, providing financial insights and decision support.
  
  

Requirements:

• Seniority: Proven track record in a senior finance leadership role (VP, Director, or equivalent) within highly regulated fintech environments.
• Breadth of Finance Expertise: Demonstrated experience across key finance domains, including Financial Operations & Accounting, FP&A, Treasury, Pricing, and Financial Reporting.
• Industry Background: Strong mix of experience in both FinTech startups/scale-ups and established financial services organizations.
• Banking & Crypto: Hands-on experience in retail banking (digital or traditional) combined with exposure to crypto exchanges is highly preferred.
• Regulatory Exposure: Direct interaction with UAE and EU regulators in digital banking and crypto (e.g., EMI, VASP, CASP, MiCA) is a significant advantage.
• Accounting Standards: Deep and practical knowledge of IFRS.
• Startup Build-Out: Proven success in building finance organizations, processes, systems, and policies from scratch in fast-growth fintech environments.
• Leadership & Culture: High level of ownership, decisiveness, and strategic foresight. Thrives in a fast-paced, high-growth startup environment. Values integrity, mutual respect, and mission-driven execution. Comfortable building and leading globally distributed, multicultural teams.

Certificates & Languages:

• CMA, CPA, CFA, ACCA preferred.
• Background in Finance/Accounting.
• Fluency in English required; proficiency in Russian or Ukrainian.
  
  

The UMO Standard:

• Dynamic Work Environment: Vibrant offices and strong local teams across Lisbon, Dubai, Kyiv, and Lviv — with openness to remote for the right fit.
• Rest & Recovery: 24 days of annual leave, dedicated paid sick leave, and observance of Public Holidays to keep you at your best.
• Recharge Week: After your first year with us, enjoy two consecutive 4-day work weeks annually — a built-in reset to help you sustain peak performance for the long run.
• Full Setup: Top-of-the-line hardware and a home office stipend so you can do your best work anywhere.
• Growth Ecosystem: A dedicated learning budget and a clear, accelerated path toward executive-level leadership within the UMO ecosystem.
• Impact & Ownership: Your work directly shapes the product and company direction — not just executes it.