← WerkstudentIn Founders Associate Aufbau BWL-Fuchs – 100% remote Implementation Expert → Per E-Mail Facebook X / Twitter LinkedIn Xing Reddit Mehr ++ Pinterest Tumblr WhatsApp Evernote Pocket Trello Slack Startup Gründer CTO & Technical Co-Founder (m/w/d) - Juni 2, 2026 Startup Driptip Job Titel CTO & Technical Co-Founder Department C-Level Typ Gründer Position Senior Ort / Land München / Deutschland Remote Onsite Kompensation Undisclosed Equity Ja Beginn Sofort Kontaktperson Narmin Al-Hamawandi Bewerben Infos / Bewerben Infos / Bewerben Kontakt Bewerben / Mail Bewerben / Mail Die Beschreibung: CTO & Technical Co-Founder als Startup Gründer We’re looking for our third co-founder. We're developing a mobile app that sits on top of your existing bank account and automatically saves and invests a small portion of every expense – a self-tip – into ETFs. No financial knowledge required. No switching banks. No new habits. We're a behavioral layer that quietly changes what happens to your money by default. We're built on an Open Banking infrastructure, where customer funds are managed by an established licensed banking partner that also provides our regulatory liability framework. The team, CEO & CFO with backgrounds in strategy, marketing, finance, and operations, is based in Munich. Five months in, we have an early alpha MVP, a first-place pitch win, banking infrastructure partners on board, and investor conversations well underway. What's missing is the person who owns everything technical. 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 → info@driptip.app 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 Du interessierst dich für diesen Startup Job? Bitte folge dem Link oder schreibe eine Mail. Mehr Infos / Klicken pointer-filled Mehr Infos / Mailen mail-heart Alle Kategorien für diesen Startup-Job Bayern / Best / C Level / Chief Technology Officer / Deutschland / Most Viewed / München / Onsite / Startup Mitgründer / Technical Co-Founder / TOP / Trending Alle Tags für diese Startup-Stellenanzeige AI-Native Development / API Management / Automatic Investments / Backend Architecture / Backend Strategy / C Level / Chief Technology Officer / CI/CD / Co-founder / Compliance Architecture / Computer Science / Crash Reporting / Cross-Functional Collaboration / CTO / Encryption Implementation / Entrepreneur / ETF / FinTech / Full-stack Development / Full-Stack Lead / Germany / Journey Optimization / Mitgründer / Mobile Product Architecture / Mobile Savings App / Mobile UI / München / Open Banking / Open Banking Integration / PII Protection / PSD2 / React Native / Release Management / Secure Financial Infrastructure / Security-Minded Engineering / Software Engineering / Startup Mitrgründer / Strategic Product Direction / System Monitoring / Team Leadership / Technical Co-founder