Nstart AB jobb

About the Role: We are seeking a Cash Management Analyst to join our Treasury team. In this role, you will be responsible for the day-to-day management of the company's bank accounts, ensuring payments are executed accurately and on time, and that sufficient balances are maintained across all accounts. You will work closely with accounting colleagues and act as an operational point of contact towards our partner banks. The role reports to the Head of Group Treasury and is an opportunity to develop within a growing treasury function. Key Responsibilities: Manage and administer the company's bank accounts, including setting up new accounts with the banks used. Execute and quality-assure bank payments in line with established procedures and approval rules. Monitor liquidity on a daily basis, ensuring sufficient balances across all accounts and initiating transfers where needed. Support cash flow forecasting and internal reporting of the group's liquidity position. Reconcile bank accounts and investigate discrepancies together with accounting. Act as an operational point of contact towards the banks. Contribute to the improvement and automation of cash management processes, and to the documentation of routines. Key Requirements: Previous experience from banking, treasury, accounting, or a similar operational finance environment. Proactive and independent approach to work, with a strong ability to drive results and manage key processes. Strong Excel proficiency and experience from using AI in daily work. Fluency in Swedish and English. Why Join Us? Work in a fast-paced and collaborative environment. Take early ownership of processes that are critical to the company's daily operations. Build a broad foundation in treasury and cash management with room to grow into more advanced areas.

About 0TO9 0TO9 is a profitable European fintech bank with an uncommon model: we don't just run a bank - we build them. Alongside our core banking operations, we act as a venture builder, co-founding entrepreneur-driven fintech companies and giving them capital, licenses, and infrastructure from day one. Each venture targets a different banking product or vertical. We move fast, we're already profitable, and the people around the table have some of the strongest track records in European banking and fintech. The role You'll be our second legal hire, joining a small, senior team and working across both 0TO9 group-level matters and our growing portfolio of fintech ventures. The scope is deliberately broad: part group counsel, part embedded startup lawyer, part regulatory navigator for products that often don't fit neatly into existing frameworks, and increasingly, the person who shapes how we use AI to make all of it faster and smarter. This isn't a role for someone who needs a rulebook. It's for someone who writes them. What you'll do Own corporate and commercial legal work across the group: financing and loan documentation, commercial contracts, NDAs, and whatever comes next. Advise portfolio companies on regulatory matters specific to their product, licensing, consumer credit, AML/KYC, across Swedish and EU frameworks. Get involved early with new ventures: spotting regulatory requirements at the idea stage and finding pragmatic paths through them before they become blockers. Lead how we build AI into the legal function, contract review, compliance monitoring, template generation, working alongside our tech teams to automate what should be automated and keep humans in the loop where it matters. Build the templates, playbooks, and processes that let fast-moving teams operate safely at scale. Manage external counsel strategically, bringing in specialist input where it matters. About you You think in risk and trade-offs, not blanket no's. You're comfortable being the most senior legal voice in the room on a topic you've never seen before, and you know when to call in reinforcements. You're also genuinely curious about how AI is reshaping the legal function, and you want to be the one building that future rather than watching it happen. Specifically, you bring: 5-10+ years of post-qualification experience. A background in banking or fintech, ideally in-house or in a regulated institution (bank, kreditmarknadsbolag, or equivalent). Solid footing across corporate, commercial, and financial regulatory matters. Hands-on curiosity about AI tools in a legal context, you've experimented, formed opinions, and want to go further. Fluency in English; Swedish is a real advantage. What we offer A seat at the table as we build the leading fintech bank and venture builder in Europe. Real scope, broad mandate, genuine ownership, no endless sign-off chains. The chance to build a modern legal function from near-scratch, with AI as a first-class tool rather than an afterthought. An entrepreneurial, international team in a beautiful Stockholm office. Strong trajectory for growth as the group scales.

About AOTO AOTO is a Swedish fintech company building a digital operating system for car dealers, combining inventory financing, end consumer financing packaged together with warranties and insurance, automated bookkeeping and digital services in one platform. The goal is simple: help car dealers make faster, smarter decisions and maximise their buy and sell potential. We're in an exciting early stage, building the product from scratch with clear ambitions to expand across Europe. This role is central to getting us there. About the role As Chief Commercial Officer, you own AOTO's growth. You're the driving force behind everything commercial - sales, revenue, market expansion and the team that delivers it. Sitting on the management team alongside CEO, your job is to turn a product into a category leader across Europe. This is a build-and-scale mandate. You'll set the commercial strategy and then make it happen on the ground: landing our first wave of car dealers, proving the model, and turning it into a repeatable growth machine. As we move into new markets, you're the one designing the playbook and recruiting the people to run it. What you'll own: Commercial strategy - set the direction for growth, pricing and go-to-market across all our revenue streams Sales & revenue - build the pipeline, close the early deals yourself, then hire and lead the sales organisation that scales it The team - recruit, structure and lead a high-performing commercial team from the very first hire European expansion - plan and execute our entry into new markets, adapting the playbook to each Partnerships - build the channels and relationships that accelerate growth About you You've done this before - taken something early and unproven and grown it into something big, in a B2B context. You're deeply commercial, comfortable owning a number, and you treat growth as a system to be engineered. Experience from fintech, financing or automotive is a plus, but what matters more is your drive and trajectory. You bring: A track record of building and scaling commercial and sales functions in a high-growth B2B setting Experience growing a business internationally, ideally across European markets A hands-on builder's mentality - as happy closing a deal as setting the strategy The ability to attract, build and lead a high-performing commercial team Fluency in Swedish and English; other European languages are a plus What we offer Get in at the ground floor, a founding-team role with equity, at the very start of a serious growth journey A role that actually matters, help set the direction and work shoulder-to-shoulder with the CEO Build with proven operators, alongside serial entrepreneurs who've scaled companies before Real financial muscle - backed and financed by a fintech bank, with the firepower to go big A base you'll love - a beautiful office in the heart of Stockholm

About 0TO9 0TO9 is a fintech venture builder and strategic investor designed to redefine how financial giants are built. We act as the "bank for entrepreneurship", providing the vital capital, compliance frameworks, and technical infrastructure that allow founders to redefine the financial market. With presence in Sweden and rapidly expanding in Europe, we don't just invest in fintech, we build the foundation for its future. We move fast and support each other to high standards. Our culture is characterized by curiosity, trust and a genuine drive to build something new that will last. The Role We are looking for a Compliance Manager who thrives at the intersection of regulatory precision, modern tech, and rapid execution. You will join our Chief Compliance Officer to build and shape 0TO9’s global compliance program from the ground up. In a fast-scaling environment, you will bridge traditional banking regulation with compliance solutions leveraging AI and automation to streamline processes. This is a highly operational, hands-on role where you will play a key part in safeguarding our growth while setting new standards for modern fintech compliance. What you will do Deliver pragmatic regulatory advisory and ensure end-to-end compliance across 0TO9 and our portfolio entities. Take full ownership of compliance tracking, keeping our operations audit-ready and proactive. Manage anti-money laundering (AML) and consumer credit regulations, ensuring robust risk management tailored to modern financial products. Conduct continuous horizon scanning and trend analysis to interpret upcoming regulations, industry shifts, and supervisory developments. Deeply understand modern banking products to translate complex regulatory requirements into smooth, actionable operational workflows. Drive the digital transformation of compliance by integrating AI tools and automation with scalable systems. Who you are You bring roughly 5+ years of relevant experience, ideally from fintech, banking, or a fast-paced scaleup environment. You hold a Law Degree (LL.M. / Juristkandidatexamen) or an equivalent legal education. You thrive in a scaleup setting where no task is too big or too small. You seamlessly switch between high-level regulatory strategy and rolling up your sleeves to get things done. You have a proven track record in AML execution, consumer credit regulations, and general regulatory compliance within financial services. You naturally look for ways to automate manual routines. Experience with or a strong curiosity for leveraging AI tools in compliance work is a major plus. You understand what makes a bank work, grasp financial products quickly, and turn regulatory requirements into commercial enablers. You communicate clearly and build trust across teams – with founders, investors, and regulators alike. You lead through expertise and trust, not hierarchy. You are humble and bring good energy to the team – while holding firm on your integrity. What we offer Shape a role and a function that's being built from the ground up. Real ownership from day one. Work directly with the companies in our portfolio and see your work enable their growth. Clear leadership that invests in your development. Grow with us as we scale across Europe. Find out more at 0to9.com, we'd love to hear from you!

About Fuels Capital Fuels Capital is a Nordic private credit firm providing structured, asset-backed financing to entrepreneurs and privately held companies across Northern and Western Europe. We focus on fundamentally sound businesses, unlocking liquidity from illiquid asset bases and ownership structures to enable acquisitions, growth, and shareholder liquidity, always with a strong emphasis on downside protection. Our strategy centres on senior secured and secured subordinated lending, typically backed by real estate, financial assets, or other hard collateral. We invest across two segments: (1) Growth, entrepreneurial capital for SMEs; and (2) Corporate, structured lending within the lower mid-market, with ticket sizes of EUR 5-25 million. Founded in 2025, Fuels is already profitable and on a strong growth trajectory. Joining us means being part of an ambitious, entrepreneurial team building a distinctive European credit platform. The Role We're looking for a Marketing Manager who builds authority, not just awareness. You'll work directly with leadership, set the strategy yourself and own a lot of the output, supported by a freelance bench but not waiting for one. The goal is to make Fuels Capital the name that entrepreneurs, investors and their advisors think of first when capital is tied up in the wrong place at the wrong time. What you'll own Earned media & PR Execute PR activities that generate earned media across European fintech, finance, and national business press. Orchestrate local PR agencies across all markets. Build and manage media relationships, pitch stories, coordinate interviews, and secure speaking opportunities and partnerships. Leadership personal brand Own the leadership team's personal brands by managing LinkedIn, thought leadership, podcasts, conferences, awards, and public appearances. Events & partnerships Plan and deliver customer events, executive dinners, webinars, conferences, and partner events -- from idea to execution. Content & proof Produce LinkedIn content, newsletters, press releases, customer stories, and case studies that strengthen the company's market position. Turn customer wins into compelling stories with measurable business outcomes and named references. Proprietary research Build and own an annual report or data product on the European asset-based financing landscape that earns press and positions Fuels as the credible voice in the category. Paid media & campaigns Lead the planning and coordination of paid media, digital advertising, and campaign execution in collaboration with the 0TO9 Marketing Team. Performance & reporting Measure and report on PR impact, event performance, content engagement, and pipeline contribution. Who you are You've done this before, not just the strategy, but the actual work. You've placed stories, written content that landed, built executive profiles, and run events that opened doors. You know how to work with agencies and freelancers without losing quality, and you connect what you do to pipeline, not just impressions. You're the kind of person who'd rather ship the thing than wait for perfect conditions. Must-haves Solid B2B marketing and communications background, from a high-growth company or agency. Hands-on experience in PR, content, events and founder branding, not just one of them. A strong writer who can turn complex topics into stories people actually read. Commercially minded and self-driven, with low ego and high standards. Nice to have Fluency in the world of entrepreneurs, investors and private credit. Experience running a proprietary research or data product. Multi-market European experience and additional languages. Why Fuels Capital? Shape the marketing function from the ground up, in a category with very little noise and a lot of real need. No layers, no bureaucracy, your calls actually matter. Work closely with a team that has genuine transaction experience and deep credibility in the market. Part of the 0TO9 ecosystem with the backing and reach to grow across Europe. Find out more at fuelscapital.com ,we'd love to hear from you!

About 0TO9 0TO9 is a bank for entrepreneurship, built by and for financial innovators. We provide infrastructure for entrepreneurs ready to start and scale the next generation of financial products and platforms. Founded in 2025, we're already 75+ co-workers across Europe, and growing fast. Our name reflects our mission: from zero to success, from idea to impact, from now to what's next. The Role We're looking for a Senior IT Operations Engineer who enables our organization to grow. You'll be part of a team that delivers IT and cybersecurity to the companies in our portfolio, supporting them whether they're onboarding a new team, setting up a new office, or choosing the right tools. This is a senior role with real strategic weight. You'll shape how we make forward-looking IT decisions on integrations, platforms and tooling, drive the development of our IT operations, and help us navigate technology choices as we scale. At the same time, you're not afraid to get your hands dirty, when a new office needs screens, conference systems and a printer up and running, you're happy to make it happen. You take ownership, drive work forward independently, and work closely with the rest of the team on IT processes, security and regulatory work like GDPR and DORA. What you'll do Own IT operations for both central IT and our portfolio companies as they grow, from day-to-day support to being their long-term IT partner as their needs mature. Deliver hands-on IT setup and support to our portfolio companies: onboarding, tooling, office setup, meeting and conference systems. Drive a methodical, consolidated approach to software licenses, how we buy, manage and follow up on them, and manage the vendor relationships behind our IT portfolio. Make sure the services we buy actually deliver on our contracts, requirements and expectations. Be part of the team responsible for IT and cybersecurity, working hands-on with technical support and integrations and bringing a senior perspective. Build the operating model for how we scale IT support to new portfolio companies as we grow today it might be five companies, tomorrow twenty. Who you are A senior IT operations profile with broad, hands-on experience, comfortable being third-line support one moment and a strategic sparring partner the next. Experienced with Google Workspace and at least one major cloud platform (AWS or GCP). Structured and methodical in IT administration: licenses, vendors, agreements, follow-up. A relationship builder who enjoys being the face of IT toward colleagues and portfolio companies, proactive, approachable and service-minded. Project-oriented and self-driven, you can run initiatives end to end, but you're a doer at heart, not a pure project manager. Comfortable in a fast-growing environment where things change quickly and no task is too big or too small. Bonus points Experience with cybersecurity operations, endpoint monitoring (e.g. CrowdStrike), code scanning, or guiding developers on secure practices. A background close to development or IT product management, giving you an eye for how technical decisions play out over time. Why 0TO9? Shape a role and a function that's being built from the ground up. Real ownership from day one, no layers, no bureaucracy. Work directly with the companies in our portfolio and see your work enable their growth. Grow with us as we scale across Europe. Find out more at 0to9.com, we'd love to hear from you!

Om 0TO9 Team Is All Ideas matter – but people make them real. In finance, that’s harder than it should be. Innovation shapes how we live, but progress is slowed by complexity, regulations, and outdated systems. Too often, great people go elsewhere. 0TO9 exists to change that. We’re a fintech venture builder and investor – a bank for entrepreneurship, founded in Stockholm in 2025 by serial entrepreneur Oliver Hildebrandt. Our mission: bring the right people, skills, and resources together so fintech founders can focus on building. From capital and compliance to tech and talent, we create an infrastructure for success. Numbers are the building blocks of finance and with zero to nine, we can build anything. Our name says it all: From you to a team. From idea to impact. From now to what’s next. With offices in Stockholm and Berlin, operations across the Nordics, and a growing portfolio – we’re just getting started. Om tjänsten Du blir en central del av vår digitala arbetsmiljö: du stöttar kollegor i vardagen och bygger hållbara lösningar som skalar. Ge löpande IT-support och ta ägarskap från ärende till lösning Delta i förbättringsprojekt för IT och digital arbetsmiljö Installera, konfigurera och uppdatera datorer (Mac & PC) Hantera användare, enheter och säkerhet i Microsoft 365 och Google Workspace Administrera identitet och åtkomst i Okta och Entra ID Livscykelhantera datorer via Kandji (Mac) och Intune (Windows) Automatisera flöden (framförallt i Okta) för snabbare onboarding/offboarding Utforska hur AI och nya verktyg kan effektivisera processer Om dig Du är nyfiken, serviceorienterad och trivs med att lösa problem – och du vill bygga bredd snabbt. Genuint intresse för IT och viljan att utvecklas Bekväm i både Mac och Windows Grundläggande kunskaper i Microsoft 365 och Google Workspace Nyfiken på identitetshantering och automation (gärna Okta) Intresse för att använda AI-verktyg i vardagen Flytande i svenska och engelska Tidigare erfarenhet är meriterande - men inte ett krav Vad vi erbjuder: Du får möjlighet att utvecklas inom områden som automatisering och AI Du omges av erfarna kollegor som stöttar och delar med sig av sin kompetens En modern och innovativ arbetsmiljö där nya idéer uppmuntras Tydliga utvecklingsvägar och stort utrymme att påverka arbetssätt och processer Flexibelt arbetssätt med möjlighet till hybridarbete

Vill du arbeta på ett bolag där tempo möter kundfokus och professionell rådgivning? Plus1 fortsätter att växa, och nu söker vi dig som vill ta ett större ansvar. Som Customer Advisor ringer du inte bara för att sälja, du ringer för att vägleda, utbilda och optimera kundens ekonomiska resa från start till mål. Om rollen I rollen som Customer Advisor är du kundens trygga hand genom hela processen. Du arbetar med befintliga case där ditt jobb är att guida kunden genom beslutsfattande och uppföljning. Du ansvarar för att förvandla en ansökan till en hållbar lösning genom kvalificerad rådgivning. Dina huvudsakliga uppgifter: Du pratar med inkommande ansökningar (inbounds) och agerar expertstöd genom hela kundresan. Du analyserar kundens behov på djupet och presenterar skräddarsydda lösningar som gör skillnad på riktigt. Du driver dina egna case framåt och säkerställer att kunden känner sig trygg i varje steg, från första kontakt till avslut. Du bygger långsiktigt förtroende och fungerar som länken mellan kundens utmaningar och Plus1. Vem är du? Du har tidigare erfarenhet av försäljning eller rådgivning, gärna inom Bank & Finans eller försäkring. Du är van vid att hantera kunddialoger och trivs med telefonen som verktyg. Du behärskar svenska och engelska obehindrat. Du är resultatorienterad men prioriterar alltid kvalitet och kundens bästa i varje beslut. Varför Plus1? Vi växer snabbt. Här finns ingen gräns för hur långt du kan gå om du levererar. Det här är platsen för dig som vill göra karriär inom Bank och Finans. Vi sitter i hjärtat av Stockholm i det som nominerats till Sveriges snyggaste kontor 2025. Du gör faktiskt skillnad. Vi har redan sparat över 2 miljarder kronor åt våra kunder

Är du en av de vassaste på KTH som tar examen till sommaren? Ser du Claude, Cursor och V0 som dina närmsta kollegor snarare än bara verktyg? Då vill vi att du bygger framtidens lösningar tillsammans med oss på 0TO9. Om rollen Vi söker en junior stjärna inom Machine Learning och datalogi till vårt Maskin Inlärnings Team. Här handlar det inte om att sitta och harva i gamla legacy-system. Vi bygger nytt, snabbt och smart. Vi letar efter dig som anammat "vibe coding"-filosofin: du fokuserar på arkitektur, logik och kreativitet, medan du låter de absolut senaste AI-verktygen sköta grovjobbet med koden. Vem är du? Du läser sista terminen på en relevant civilingenjörs- eller masterutbildning med planerad examen till sommaren. Du har förmodligen byggt egna projekt där du använt LLM:er för att accelerera din utveckling. Du är "power user" av verktyg som Cursor, Replit eller liknande. Du har en stabil grund i datalogi och förstår mekanismerna bakom ML, men du föredrar att applicera dem praktiskt snarare än att bara teoretisera. Att förstå och utmana kod/arkitektur är dock ett måste. Du fattar att den bästa koden är den som löser problemet snabbast och säkrast. Verktyg Objektorienterad Python, Numpy/Pandas, Pytorch , Sklearn Teoretiskt passion & förståelse för klassiska som nyare ML algoritmer Vad vi erbjuder Jobba från "Sveriges snyggaste kontor 2025" mitt i hjärtat av Stockholm. En internationell miljö med högt tempo och entreprenörsanda, där ditt arbete gör verklig skillnad. Enorma möjligheter att utvecklas tillsammans med ett team som genuint älskar det de gör. Bli en del av den ledande venture buildern som stöper om framtidens finansbransch. Ansökan Vi bryr oss mindre om ditt CV och mer om vad du faktiskt har byggt. Skicka med din GitHub eller berätta om ett projekt där du använt AI för att bygga något snabbare än vad som borde vara möjligt.

Om Plus1 Plus1 är ett snabbväxande Fintech-bolag med ett tydligt uppdrag: att ge människor total kontroll över sin personliga ekonomi. Vi erbjuder inte bara lån, utan bygger digitala lösningar och erbjuder expertis och rådgivning som gör verklig skillnad runt om i Europa. Vi skalar just nu upp vår verksamhet i Italien, och från vårt huvudkontor i Stockholm bygger vi det team som ska driva expansionen! Detta är din chans att bli en del av ett högpresterande team i ett tidigt skede, påverka vår kultur och hjälpa till att skapa nästa stora Fintech-framgångsresa direkt från Stockholm. Som en av våra nyckelpersoner för den italienska marknaden kommer du att stå i centrum för vår expansion. Du kommer att arbeta nära vår Head of Sales och kommer inte bara att följa en färdig manual, du blir högst delaktig i att forma hur vi stöttar våra italienska kunder från grunden. Ditt mål är att hjälpa kunder att optimera sin finansiella situation genom att analysera kreditansökningar och guida dem genom hela refinansieringsprocessen. Uppdraget I den här rollen balanserar du expertanalys och rådgivning med den energi och spänning som en ny marknadslansering innebär. Dina dagliga uppgifter inkluderar: Äga och följa upp kreditansökningar från våra digitala kanaler på den italienska marknaden. Upprätta kreditbedömningar och utvärdera återbetalningsförmåga för att säkerställa ansvarsfull kreditgivning. Ge finansiell rådgivning i toppklass till våra italienska kunder via telefon och digitala verktyg för att hjälpa dem att sänka sina lånekostnader. Vem är du? Vi söker dig som har en "pionjärmentalitet". Du är tekniskt skicklig, resultatdriven och trivs i en miljö där allt rör sig snabbt. Du väntar inte på en att göra-lista, utan ser själv vad som behöver göras och ser till att det blir gjort. Språkkrav: Du talar och skriver italienska på modersmålsnivå (eftersom du kommer att arbeta direkt mot den italienska marknaden) samt har goda kunskaper i engelska eller svenska. Du motiveras av att nå mål och drivs av att ge exceptionell service. Erfarenhet inom bank, finans eller kundrådgivning är meriterande, men din inställning och energi är det allra viktigaste. Varför denna roll? Det här är en "Plus 1"-position, vilket innebär att du får stabiliteten från ett etablerat bolag kombinerat med den energi som finns i en startup. Du blir en grundbult i vårt italienska team, med bas på vårt fantastiska huvudkontor i Stockholm. Är du redo att hjälpa oss bygga framtidens italienska finansmarknad från Stockholm? Skicka in din ansökan idag så påbörjar vi resan tillsammans!