About Finom

Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.

We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.

Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.

At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.

Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.

About the Role

As a RAM, you’ll own a book of accounts across European markets. This isn’t a passive renewal role. We want someone who treats their portfolio like a sales territory: proactively growing wallet share, spotting upsell and cross-sell moments, and building the kind of client relationships that make churn a non-starter. This role looks after customers for their first 90 days after activation (first subscription paid). Your main objective is to drive quick, thorough product adoption, with a focus on revenue and turning new customers into High Value Clients (HVCs).

Day to day, you’ll explore clients’ businesses and needs in depth, then position our products to address the opportunities you uncover.

You’ll be measured on what matters: expansion revenue, ARPA growth and voluntary churn. If you’re the type who reads their book every Monday morning and spots the opportunity before the client asks, this is your seat.

What you'll be doing

Own a portfolio of high-value SME clients across European markets and drive sustainable revenue growth from it.

Prioritise well: not all clients deliver the same value, so qualify quickly and accurately, then prioritise accordingly.

Proactively engage your book through outreach and check-ins, rather than just reacting to inbound requests.

Identify and execute upsell and cross-sell opportunities across Finom’s product suite (plans, card spend, invoicing, credit).

Build genuine relationships with decision-makers and be the person they call when something needs sorting.

Use account data, usage signals and portfolio trends to inform your outreach priorities and commercial conversations. Gut feel is a start, but data is what makes it repeatable.

Monitor account health signals and step in early on at-risk accounts before churn becomes likely.

Maintain a clean pipeline and activity tracking in Salesforce – no black holes.

Use Modjo, our AI call intelligence tool, to sharpen your performance and share learnings with the team.

Work closely with onboarding, product and support to make sure clients get what was promised.

What we're looking for

Languages: fluent English, plus German at Native Level

At least 2 years of account management experience in fintech or B2B SaaS.

At least 1 year of outbound or business development experience: you know how to open a conversation and create urgency without being pushy.

Hungry: you want to win, and you push for results without being chased.

Commercially sharp: you think in terms of revenue per account, expansion potential and portfolio mix, not just satisfaction scores.

Data-driven: you use data to make decisions, whether that’s spotting a usage drop before it becomes a churn risk or finding the right moment for a plan-upgrade conversation.

Comfortable in a fast-moving scale-up where the playbook is still being written in places.

Confident communicator: you can run a QBR, push back when needed and escalate the right things.

Proficient in Salesforce, Google Workspace and Slack. Experience with Modjo or a similar call tool is a bonus.

What You Will Get In Return

Make a genuine impact on the product

Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.

Work in the EU

Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.

Become a stock options holder

Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.

Receive unwavering support and care

Finom stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.

Work & Swim program

Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work-life balance while enjoying breathtaking Mediterranean views.

Equal Opportunity Statement

At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.

About the company

Finom is a European fintech that offers an all-in-one financial management platform for freelancers, entrepreneurs, and SMEs, combining business banking, invoicing, expense management, and accounting reconciliation in a mobile-first dashboard. The product provides local IBANs and Visa debit cards under an EMI license, supports payments and multi-banking, and automates tasks like transaction categorization and invoice reconciliation, with AI accounting and AI-powered credit scoring. It differentiates itself by delivering a single end-to-end financial workflow in one product, backed by partnerships with banking rails like Solaris and Treezor and a focus on European markets. Finom aims to simplify financial administration for European small businesses and help them grow by offering accessible banking and financing options through a scalable subscription model.

Company Size

501-1,000

Company Stage

Series C

Total Funding

$302.6M

Headquarters

Amsterdam, Netherlands

Founded

2019

Get referred to Finom

See people who can refer or advise you

Benefits

Remote Work Options
Flexible Work Hours
Hybrid Work Options
Stock Options

Company News

Financial IT

Jun 18th, 2026

Finom launches Metal premium business card built to pay for itself.

Finom launches Metal premium business card built to pay for itself. * Banking * 18.06.2026 02:56 pm Finom, a European financial platform for SMEs and entrepreneurs serving over 200,000 businesses, today launches Metal, its first premium business card. The Visa debit add-on offers 1.2% cashback on business spend (up to €5,000/month), no added Finom markups on up to €100,000/month of non-EUR card spend and subscription refund on leading AI tools. Metal is available from €29.99 per month and is included at no extra cost on the Grow plan. Finom said the card targets two rising costs for small businesses: FX markups on international card spend, which can reach 5%* on top of the exchange rate, and AI software subscriptions, which the company said have grown more than 98% among its customers in the past seven months. "Premium business cards have sold status for a decade. We built Metal to sell payback," said Kristjan Kaar, chief product officer at Finom. "For a business spending at scale across currencies, the case isn't the metal, it's the math: cashback on what you spend, and no added Finom markups on what you spend abroad." What Metal includes: * 1.2% cashback on business spend, up to a €5,000/month payout. This is Finom's highest cashback rate. * No added Finom markups on non-EUR card spend, up to €100,000/month (out-of-hours conditions apply). * One airport-lounge visit, two fast-track passes and two eSIMs (1GB each) every month. * The first month of leading AI tools (including ChatGPT, Claude, Perplexity and Cursor) refunded when paid with Metal (new subscribers only; within the monthly cashback cap). * An 18-gram metal Visa debit card with express delivery. Metal is a €29.99/month add-on for Finom's Pro and Grow customers, with one Metal card included at no additional charge on the Grow plan. It is available across all European markets. Customers on Solo, Basic and Smart plans can become eligible by upgrading. "SMEs are spending more on AI tool subscriptions and cross-border transactions than ever before," said Ivan Kolykhalov, product manager for cards at Finom. "Metal turns these line items down while rewarding the everyday spend that keeps a business running." Metal is the first step in Finom's premium-card roadmap, with further benefits and market-specific features to follow. *Visa applies a daily wholesale conversion rate, benchmarked against ECB rates; providers and banks add their own markup on top (see Visa's European exchange-rate calculator, which itemises the bank fee separately). Independent pricing analyses put that added markup at roughly 3-5% on foreign-currency card spend (June 2026). Figures describe third-party providers, not Finom or Visa.

Financial IT

Mar 16th, 2026

Finom Launches Interest Account, Offering European Businesses Daily Returns on Idle Cash

Finom launches Interest Account, offering European businesses daily returns on idle cash. * Banking * 16.03.2026 08:35 am Finom, the integrated financial management platform for freelancers and SMEs in Europe, launched the Interest Account: an embedded, fully MiFID-regulated feature that lets business customers earn daily returns on EUR balances. The launch addresses a gap in European business banking. The ECB deposit facility rate currently sits at 2%, yet most eurozone banks pay significantly less on small business current accounts, leaving freelancers and SMEs with limited options to earn returns on working capital. Larger corporations have dedicated treasury teams to solve this, but SMEs and freelancers do not. The result is billions in working capital sitting idle across Europe, while business owners focus on running their companies. To close this gap, Finom Interest Account offers eligible Finom business customers up to 5%** annualised interest on their EUR balances. Returns accrue daily and are credited automatically, with no lock-up period, so customers can access their funds at any time, with instant withdrawals. There are no setup or ongoing fees for eligible users. "Most business banking features treat idle cash as an afterthought," said Andrew Petrov, CEO and co-founder of Finom. "Our Interest Account flips that. It is designed around how businesses actually operate: funds need to be accessible, returns need to be predictable, and the whole thing needs to work without extra effort on the owner's part." The feature is powered by a partnership with Aksys Global Markets Europe Ltd. (CySEC License No. 456/25), a fully licensed EU investment firm. Customer funds are invested in low-risk Money Market Funds (MMFs) under a complete MiFID-regulated structure. "Whenever European SMEs have cash balances, those usually generate nothing while sitting in a current account," said Imad Assio, Executive Director at Aksys. "Through our partnership with Finom, we're making it straightforward for small businesses and freelancers to put their working capital to use within a regulated, low-risk structure and no special knowledge required." This launch is the first MiFID-powered investment feature within the Finom ecosystem. The Interest Account is available to Finom customers on Solo, Basic, Smart, Pro, and Grow plans across EEA markets. EUR balances are supported at launch. * 16.03.2026 01:05 pm * 16.03.2026 10:45 am * 13.03.2026 02:05 pm * 12.03.2026 12:25 pm * 12.03.2026 12:15 pm * 12.03.2026 08:25 am * 11.03.2026 10:15 am * 11.03.2026 08:45 am * 11.03.2026 08:25 am * 09.03.2026 10:15 am * 09.03.2026 08:55 am

Financial IT

Nov 24th, 2025

Finom Launches Premium Business Cards for Growing SMEs

Finom launches premium business cards for growing SMEs. Finom, the digital financial services platform for European SMEs, today announced the launch of Finom Prime, a subscription-based business card for European SMEs. The new card addresses a specific market gap: businesses that have outgrown basic card offerings but find existing premium cards overpriced. As micro-organizations notably exhibit greater resilience and growth compared to other enterprises, according to the European Commission, mid-tier solutions that provide functional benefits without status-driven pricing become increasingly relevant. Finom Prime addresses a practical challenge for growing freelancers, micro-organisations and SMEs: managing multiple business cards to optimize transaction benefits. The card consolidates payment needs into a single solution, allowing savings of up to €20,000 annually compared to managing multiple card products. "Small and medium-sized businesses working with international suppliers or paying for significant SaaS subscriptions lose money on FX fees and capped rewards, and every euro of those losses is a euro that could fuel growth," said Kristjan Kaar, CPO at Finom. "Entrepreneurs shouldn't have to think about payment optimization - they should think about building their business. Prime removes this friction so founders can focus on what they set out to do." * 1% cashback on all card payments, with a monthly cap of €1,000 per company * Zero foreign exchange fees on non-EUR transactions up to €20,000 per month * Two complimentary business lounge visits per quarter * Monthly eSIM data package (1GB) * Free express card delivery Finom Prime is launching initially in Germany and Italy, with additional European markets to follow. The subscription model charges €9.99 monthly per card, with pricing prorated based on activation date within the billing period. This launch follows Finom's recent expansion of services across Europe, including the introduction of AI Accounting in Germany, credit lines for SMEs in the Netherlands, as well as direct tax payment features for Italian users. The company continues to strengthen its position as a European fintech leader, serving over 200,000 business customers across Germany, France, Spain, the Netherlands, and Italy.

Brown Brothers Media

Jun 23rd, 2025

After €92.7M, Amsterdam's FINOM raises €115M from AVP and others

Amsterdam-based FINOM, a digital banking solution for SMEs and entrepreneurs, has secured €115M in a Series C funding round led by AVP (previously AXA Venture Partners).

EU-Startups

Jun 23rd, 2025

With €115 million in fresh funding, Dutch FinTech startup Finom sets sights on one million customers by 2026

Warda Shaheen will join Finom's board of directors as part of the funding round.

Finom

Ramp-up Account Manager - German Speaker

About the job

About the Role

What you'll be doing

What we're looking for

About the company

Get referred to Finom

Benefits

Company News