Senior Account Executive - Embedded Finance

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 are building 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.

We are seeking a hands-on, execution-driven sales professional to own our go-to-market strategy, accelerate embedded finance revenue, and build strategic partnerships with fintech players across Europe, including payment institutions, credit institutions, wealth management platforms, retail brokers, and treasury management platforms.

As a Senior Account Executive specialized in Embedded Finance, you will own the full sales lifecycle end-to-end, from prospecting and deal structuring to managing distributor partnerships and driving long-term account growth. You will be accountable for revenue performance, partner success, and the expansion of our embedded distribution model.

Reporting directly to the CEO, you will play a critical role in scaling our embedded business, deepening partner relationships, and driving sustained AUM growth across European markets.

• Own the go-to-market strategy and drive end-to-end execution of the full sales cycle, from prospecting to account management for our embedded product (Spiko API)

• Dive deep into product and regulatory nuances to run technically complex sales processes autonomously, without relying on product or engineering support at every step

• Collaborate closely with the product team to translate market and partner feedback into roadmap priorities

• Work closely with the compliance team to navigate the regulatory landscape and deliver solutions that effectively meet customers' needs while fully integrating regulatory requirements

• Represent Spiko at top-tier fintech conferences and events across Europe

• For more senior profiles: as the business scales, you'll help build and mentor the wider sales function.

• Full-cycle B2B sales experience: Proven track record in driving the complete B2B sales cycle.

• Embedded finance or API product expertise: Hands-on experience selling technical or API-based product; embedded finance or BaaS exposure is a strong plus.

• Technical curiosity: You naturally go deep on product details, regulatory nuance, and integration complexity. You don't need an engineering background, but you need the drive and ability to understand what you're selling well enough to lead the conversation from discovery to close.

• European fintech network: Strong knowledge of the European fintech landscape across payments, investment, wealth management, and credit, with an active, high-level network enabling access to key decision-makers across the continent.

• Communication & negotiation: Excellent interpersonal, negotiation, and presentation skills. Full proficiency in English is required.

• Entrepreneurial mindset: Highly ambitious and execution-driven, you thrive in a fast-paced, lean startup environment. You are energised by building from scratch and taking ownership without waiting for a playbook.

• Knowledge of the MiFID regulatory framework

• Experience selling to or from a London-based fintech hub

• Additional European language (French, German, Dutch)

• 💰 Competitive package depending on experience + Stock Options

• 📍 Office: Offices in London

• 🏡 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 (in France): 50% of public transport pass covered or the Forfait Mobilités Durables (FMD)

• 👥 Referral Bonus

• 🎊 Social life: regular afterworks and biannual offsites

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

2. In-depth Interview - 45 mins with Xenia, Head of Embedded Product

3. Business Case: To work on at home and present online or in person to Xenia & Paul-Adrien - Cofounder & CEO

4. Final in-person Interview with Antoine - Cofounder & CTO

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

6. Offer 🎉

At Spiko, we hire for what you can 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.