Fractional CTO — Fintech SaaS Transition
Exec Capital
Job at a glance
_*]:min-w-0 gap-3"> Exec Capital is retained by an established, profitable B2B fintech SaaS business currently navigating a pivotal transition from a mature desktop platform to a modular, cloud-native SaaS architecture. With a loyal customer base across the UK, Ireland and EU and growing competitive pressure from cloud-native entrants, the business is at an inflection point where the quality and speed of technical execution will determine whether it leads or follows in its category.
_*]:min-w-0 gap-3"> The CEO requires a seasoned Fractional CTO to take an independent, evidence-led view of the current technology function, delivery model, and organisational design — and then move decisively from diagnosis into execution. _*]:min-w-0 gap-3"> The Engagement _*]:min-w-0 gap-3"> This is a 3-day-per-week fractional engagement, initially scoped across a 5–6 week diagnostic phase culminating in a report to the Board at the end of May.
The appointed CTO will be expected to cover five interlocking areas: _*]:min-w-0 gap-3"> Technical & Architecture Assessment — viability of the current architecture for the SaaS transition, codebase health, integration strategy, and scalability Delivery Model Assessment — end-to-end flow from idea to production, identifying structural bottlenecks and integration between internal (~8) and outsourced (~16) engineering teams Product & Organisational Design — the effectiveness of the current Product Committee model and the conditions under which a dedicated Product Lead becomes non-negotiable AI & UX/UI Evaluation — root-cause analysis of why prior investment has not translated into shipped product Perception vs Reality Audit — surfacing the factual delta between internal narrative and evidenced delivery _*]:min-w-0 gap-3"> The output is a structured, actionable report that must be the catalyst for committed decisions, not further deliberation.
A 90-day execution plan will be in flight within a week of the report landing. _*]:min-w-0 gap-3"> Beyond the Initial Engagement _*]:min-w-0 gap-3"> The incumbent CTO has tendered their resignation. For the right individual, there is a genuine, open pathway from fractional engagement into a permanent CTO appointment. This is not a diagnose-and-exit mandate unless the candidate wishes it to be.