Our mission

Money sitting idle is money lost. We're fixing that..

Founded in 2023 by Antoine and Paul-Adrien, Spiko gives SMEs, non-profits, financial advisers and fintechs access to institutional-grade cash management, via app or API. We build the full infrastructure: issuing, operating, and distributing the products ourselves.

Two years after launch, we serve thousands of organizations across Europe and process hundreds of millions of euros in flows every month.

Our ambition: become the world's leading treasury management infrastructure in a market worth trillions.

We are backed by Index Ventures, the CEO of Revolut, the founder of Kyriba, and the CTO of Wise.

Spiko runs on excellence, transparency, and straight talk.

The role : Fund Operations Analyst

As our first Fund Operations Analyst, you'll be hands-on running and building the operational backbone that moves several hundred million euros of client money every month - across multiple funds, multiple currencies, and a regulated entity.

This is a hybrid role: part production (executing daily operations end-to-end), part build (designing the systems, controls and automations that let those operations scale as Spiko grows across Europe).

Reporting to the Head of Finance and working closely with Product, Engineering, and our Legal & Compliance team, you'll sit at the intersection of fund operations, payment flows, financial infrastructure, regulatory reporting and customer experience. You'll have real autonomy and a direct hand in shaping how Spiko's operational backbone works as we expand.

Key responsibilities

Run daily middle office and payment operations

• Execute and monitor fund subscriptions and redemptions

• Manage banking flows: SWIFT, SEPA, multi-currency settlements

• Match incoming wires with client orders; identify and resolve mismatches and blocked operations

• Manage liquidity and ensure timely settlement across all flows

• Maintain reconciliation across funds, banks and entities

Own fund operations and valuation support

• Run the operational cycle of Spiko's 5 funds, each with distinct technical specifics

• Contribute to NAV and share-value calculation alongside our external fund administration partners

• Monitor and coordinate the portion of fund operations delegated to external partners

• Identify, escalate and resolve operational anomalies in fund mechanics

Contribute to financial infrastructure and new products

• Partner with Product and Engineering on infrastructure projects - instant withdrawals, segregation (cantonnement), creation of individual client accounts, routing across products

• Participate in the launch of new financial products end-to-end

• Work with our Legal & Compliance team on new agreements with banks, fund administrators and other partners

• Continuously automate and improve operational processes to scale without breaking

Contribute to regulatory reporting and risk

• Participate in regulatory and risk reporting - including prudential reporting to ACPR

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

• Strengthen the auditability and robustness of operational processes

Support clients on operational matters

• Track and accompany clients on subscriptions, redemptions, transfers and withdrawals

• Resolve operational issues affecting client money movements

• Act as a bridge between operations and our customer-facing teams

Who we're looking for

We're open to several backgrounds - what matters most is operational rigor, autonomy, and a builder mindset in a regulated, fast-moving fintech environment.

Requirements (must-haves)

• 3-5 years of experience in one of:

  • Middle office at an asset manager (fund operations, settlements, NAV support)

  • Banking or payment operations at a bank or fintech

  • Audit specialized in banking or investment funds

• Strong working knowledge of:

  • Banking systems and payment flows (SWIFT, SEPA, settlement cycles, multi-currency)

  • Fund subscription/redemption mechanics and NAV cycles

  • The French and European financial regulatory environment

• Fluent in French & Comfortable working in an English-speaking environment

• Highly autonomous and rigorous; comfortable owning operational outcomes end-to-end

• Builder mindset: you'd rather design a process once than execute the same manual task twice

• Curious, problem-solving, eager to learn

Nice to have

• Hands-on experience with UCITS or AIFs middle-office operations

• Experience in a fast-growing fintech, regulated or not

• Familiarity with prudential reporting (ACPR or AMF deliverables)

• Familiarity with blockchain infrastructure or decentralized finance

What we offer

• 💰Compensation: €50-65k depending on experience + Stock Options

• 📍 Office: in the heart of Paris

• 🏡 Remote work: up to 2 days per week and one full remote week per month

• 💻 The best tech for your job: latest-generation laptops and industry-leading software

• 🏥 Health insurance: 100% covered by Spiko

• 💳 Monthly Budget to cover different perks of choice

• 🚇 Transport: 50% of public transport pass covered or the Forfait Mobilités Durables (FMD)

• 👥 Referral Bonus

• 🎊 Social life: regular afterworks and biannual offsites

Our hiring process

1. Screening Interview - 30 mins with Nathalie, Talent Acquisition

2. Hiring Manager interview - 30 mins with Paul-Armand, Head of Finance

3. Business Case: To work on at home and present in person

4. Final in-person Interviews with the Founders

5. Reference Check: we'll reach out to your references to gather further insights

6. Offer 🎉

At Spiko, we hire for what you bring - your skills, your judgment, your drive - not for what you look like, where you come from, or what your background is. We're committed to building a team that reflects the breadth of the customers we serve, and to creating an environment where everyone can do their best work.

If something in this job description doesn't match your background perfectly but you believe you'd thrive in the role, we encourage you to apply anyway. Tell us why.