Our mission

Time is money, and earning interest on cash should be effortless. We make it so, putting an end to the conflict of interest between banks and their clients.

Founded in mid-2023 by Antoine and Paul-Adrien, Spiko delivers best-in-class cash management products for SMEs, startups, financial advisors and fintechs via an app or API. We're not a typical broker: we internalize much of the value chain by building the infrastructure that enables us to issue, manage, and distribute these products.

18 months after launch, we have more than 2,500 B2B customers and over €1.2bn in assets under management, with active commercialisation only in France. Yet the problem we're solving isn't French: it's at least European.

Our ambition is to build Europe's top cash manager in a market worth trillions of euros.

We are backed by top-tier investors, including Index Ventures, the CEO of Revolut, the founder of Kyriba, and the CTO of Wise.

Spiko's culture is built on excellence, transparency, open feedback, and humility.

The role : Financial Operations Specialist

As our first Financial Operations Specialist, you'll be hands-on running the operational backbone that moves several hundred million euros of client money every month. This is a production role: you'll execute subscriptions and redemptions, manage multi-currency banking flows, and own reconciliation and settlement - making sure every euro, pound and dollar lands where it should.

Reporting to the Head of Finance, you'll sit at the intersection of banking operations, client order execution, and process improvement. Day to day, that means running live operations and resolving issues as they come up; over time, it means designing the systems and automations that let those processes scale without breaking.

Key responsibilities

Run daily financial operations

• Execute and monitor fund subscriptions and redemptions

• Manage banking flows operations and liquidity management

• Ensure accurate reconciliation and settlement

Strengthen controls and reliability

• Implement and improve first-line controls on client money flows

• Monitor anomalies and resolve operational issues

• Continuously improve the robustness of our processes

Build and scale our financial infrastructure

• Work with Product and Engineering to implement new features

• Contribute to the automation of execution and reconciliation processes

Requirements

• Master’s degree in business or engineering, with a specialization in finance

• 2–5 years of experience in middle office in asset management, or banking / payment operations in a fintech or bank

• Strong understanding of:

  • Payment flows, settlement cycles, and reconciliation

  • Banking and financial regulatory environments

  • Fund subscription/redemption mechanics and NAV cycles

• Comfortable working in an English-speaking environment

• Highly organized, detail-oriented, and able to prioritize effectively

• Curious person, eager to learn, with a problem-solving mindset
  
  

Nice to have

• Experience in middle-office operations for UCITS and AIFs

• Knowledge of blockchain infrastructure or decentralized finance