Sergio Pereira

CTO

Lisboa, Lisbon, Portugal19 yrs 3 mos experience
Most Likely To SwitchAI Enabled

Key Highlights

  • Expert in building tech products for startups.
  • Proven track record in FinTech innovations.
  • Strong leadership in remote team management.
Stackforce AI infers this person is a FinTech and SaaS expert with a strong focus on startup growth and technology leadership.

Contact

Skills

Core Skills

Start-upsSoftware DevelopmentFintechTeam LeadershipTechnical RecruitingProduct ManagementArtificial Intelligence (ai)Thought LeadershipPublic SpeakingStart-up ConsultingSoftware ArchitectureE-commerceTechnology ConsultingVenture CapitalEntrepreneurshipBlockchainSoftware As A Service (saas)Technical WritingStrategy

Other Skills

C Level ManagementAmazon Web Services (AWS)JavaScriptNode.jsTechnology ManagementPython (Programming Language)React.jsCode ReviewMentoringPHPB2C e-commerceJavaTypeScriptBusiness DevelopmentRuby

About

Hi, I am Sergio Pereira. I’ve been building technology for the last 15 years, and I’ve worked as a Startup CTO since 2014 I love Startups, and love to work with Founders to transform their promising business idea into a product shipped to fulfil that market opportunity, and then help them grow from a nimble operation into a fully fledged company aimed for scale. I’ve been a Startup CTO for 8 years, twice as a co-Founder. And I’ve worked with more than 10 startups as a Fractional CTO. For the last few years I've been focused on Fintech. I launched Income Share Agreements for the first time in Europe, and deployed a successful solution to alleviate the student debt burden in the US. As a Fractional CTO I’ve worked with companies in payments, lending APIs, KYC/AML funnels, NFTs and other Fintech use cases. I’ve also worked with startups in eCommerce, HR, Legal and other fields, despite my focus in Fintech. When it comes to technology I’m “stack agnostic”, as I’ve worked with multiple stacks (Javascript, Java, Python, Ruby, PHP, Solidity), cloud providers (AWS, Azure, GCP, Heroku) and tools. I usually evaluate the constraints and trade offs and decide on the best stack for each specific company context and situation. I’m very bullish on remote work. I have worked remotely since 2017, and have been building remote teams since then. Hiring and managing engineers is one of my specialties, and finding the best talent around the world became also a passion. Embracing a global talent pool has been a key competitive advantage for me as a Startup CTO, and I’ve evolved my async processes to make my teams more performant and inclusive. Some of my duties as a Startup CTO: - Engage closely with Founders to understand the company’s business goals and priorities. - Own tech roadmap, cost structure and discuss scope<>cost trade offs with Founders. - Own recruiting. I source, interview, hire and onboard engineers, designers, data scientists, etc into my teams. - Manage day to day tech delivery, from feature specs, to managing engineers and coordinating releases. - Engage with external stakeholders (clients, partners, vendors, investors) as needed for due diligence, integrations, etc. - Lead compliance and security, usually high stakes in the Fintech space If you're a Startup Founder and feel I could help you with any of the above, feel free to drop me a DM.

Experience

Elys health

Fractional CTPO

Aug 2025Present · 7 mos · Dallas, TX · Remote

  • ELYS is a membership-based preventive and longevity care platform. We give you data you can trust, guidance you can rely on, and a plan you can actually follow, so you can live better today and age stronger tomorrow.

Acegame

Fractional CTO

Jul 2025Feb 2026 · 7 mos · Oslo, Norway · Remote

  • AceGame is a wellness and community platform that offers exclusive workout content from elite athletes alongside tools for scheduling routines and tracking progress. Users can connect with workout partners and participate in group challenges to stay motivated. The mission is to reduce social media scrolling and encourage healthier lifestyles and real-life connection
Start-upsSoftware ArchitectureSoftware DevelopmentTeam LeadershipArtificial Intelligence (AI)

The happy camper

Fractional CTO

Mar 2025Sep 2025 · 6 mos · West Hollywood, California, United States · Remote

  • The Happy Camper has reshaped RV protection and support for today’s adventurers, combining personalized insurance, extended service plans, and dependable roadside assistance into one streamlined experience.
Artificial Intelligence (AI)Python (Programming Language)Technical RecruitingTeam LeadershipSoftware DevelopmentSoftware Architecture+3

Novamera inc.

Fractional Tech Lead

Mar 2025Jul 2025 · 4 mos · Toronto, Ontario, Canada · Remote

  • Novamera has developed a suite of technologies that integrate with conventional drilling equipment to enable Surgical Mining. ™ This low-capital, turnkey mining solution, unlocks previously uneconomic deposits, providing a faster and more sustainable path to production for precious and critical minerals.
  • Requiring minimal development, the process is small footprint, does not require blasting, produces 95% less waste and 99% less water discharge then conventional methods- contributing to shorter permitting timelines.
FinTechAmazon Web Services (AWS)PostgreSQLElasticsearchTeam LeadershipPython (Programming Language)+10

Mundo wallet

Fractional CTO

Jan 2025Aug 2025 · 7 mos · Panama City, Panamá, Panama · Remote

  • Mundo is your key to the digital future. A secure, non-custodial wallet designed to simplify asset management and empower users to take control of their finances with confidence. Built for beginners and experts alike, Mundo bridges the gap between traditional finance and the rapidly evolving digital economy
Software DevelopmentTechnical RecruitingBlockchainStart-upsStart-up ConsultingTeam Leadership

Brightcheck

Fractional CTO

Jun 2024Present · 1 yr 9 mos · San Francisco Bay Area · Remote

  • BrightCheck's AI-based APIs verify data to create a safer environment for users of online user-to-user platforms. BrightCheck allows companies to keep their users safe by empowering them with key information about who they meet in person from their platform.
Artificial Intelligence (AI)Software DevelopmentSoftware as a Service (SaaS)Python (Programming Language)Amazon Web Services (AWS)React.js+4

Giggle finance

Fractional CTO

Sep 2023Apr 2024 · 7 mos · Miami, Florida, United States · Remote

  • Despite the Gig Economy representing almost 50% of the U.S. workforce, it is frustratingly financially under-served. At Giggle, we’re here to change that. By powering technology, customer service and above all transparency, we deliver cash into a bank account in a matter of minutes. Whether it’s to take on more jobs, pay for that unexpected expense, solve for your cash-flow needs, Giggle is here for you.
Start-up ConsultingStart-upsTechnical Recruiting

O'reilly

Author & Instructor

May 2023Present · 2 yrs 10 mos · Greater London, England, United Kingdom · Remote

  • Author of the book "AI tools for Software Development", published in 2025.
  • Author and Instructor of several live courses in the intersection of Software Development and Generative AI, with 50+ sessions and 30000+ students so far.
Thought LeadershipPublic SpeakingTechnical WritingArtificial Intelligence (AI)

Ipmedia

Fractional CTO

May 2023Present · 2 yrs 10 mos · Rio de Janeiro, Brazil · Remote

  • IPMedia is a leading company in LATAM, in the online dating space, with multiple successful products in the market and millions of users.
Technical RecruitingTeam LeadershipStart-up ConsultingStart-upsMentoring

Quinncia

Fractional CTO

Nov 2022Apr 2025 · 2 yrs 5 mos · Boston, Massachusetts, United States · Remote

  • Quinncia is an AI-based career development platform that helps students improve interview skills, polish resumes and find jobs. With the mission to make career development a part of academic curriculum, Quinncia allows career service to scale their offerings allowing each student to get personalized feedback on their resume and interviewing skills.
Artificial Intelligence (AI)Software ArchitectureSoftware DevelopmentPython (Programming Language)Amazon Web Services (AWS)Start-ups+1

Bulk mro industrial supply

Chief Technology Officer

Dec 2021Oct 2023 · 1 yr 10 mos · New York, United States · Remote

  • Bulk MRO is a global B2B trade finance platform that services hundreds of Large Corporations, Governments and Healthcare Networks across Europe, North America, India, Middle East, and Africa as a one-stop-shop for millions of products from thousands of manufacturers.
  • Bulk MRO is backed by some of the world’s best investors like Y Combinator, Bain Capital Ventures, Ace & Co., Rebright Partners, Dream Incubator, Refactor Capital and FJ Labs.
  • As the CTO of the company, I was:
  • Owner of recruiting and managing across Engineering, Design and Product in a fully remote team.
  • Champion of setting up a globally distributed remote team, and liaise with local teams across the world.
  • Responsible for setting the Engineering Culture, and maintaining high engineering standards.
  • Key stakeholder in defining the Product and Technology Roadmap to fulfil the company's goals.
  • Lead technology compliance and investor due diligence.
FinTechStart-up ConsultingAmazon Web Services (AWS)Node.jsStart-upsSoftware Architecture+2

Signature lacrosse

Fractional CTO

Sep 2021Feb 2022 · 5 mos · Tampa, Florida, United States · Remote

  • Ecommerce startup. I helped defining the product & technology roadmap, MVP scope for go to market, hired first team members, led integration with first tech partners.
  • As a Fractional CTO I:
  • Hired the initial tech team,
  • Led product development for a few months
  • Transitioned knowledge to the newly hired full time CTO, once the company could afford that hire.
FinTechAmazon Web Services (AWS)PostgreSQLElasticsearchTeam LeadershipPython (Programming Language)+10

Rightfoot

Fractional CTO

Oct 2019Jan 2020 · 3 mos · San Francisco Bay Area · Remote

  • Fintech startup. I helped defining the product & technology roadmap, MVP scope for go to market, partnerships with key tech partners and overall architecture.
BlockchainAmazon Web Services (AWS)EntrepreneurshipTechnology ConsultingTeam LeadershipProduct Management+8

Paybyrd

Fractional CTO

Mar 2019Sep 2019 · 6 mos · Amsterdam, North Holland, Netherlands · Remote

  • Fintech startup. I helped defining the product & technology roadmap, team plans and budget, ramp up integrations with key tech partners.
Software as a Service (SaaS)Python (Programming Language)Product ManagementCode ReviewArtificial Intelligence (AI)Enterprise Technology Sales

Studentfinance

Co-Founder & CTO

Jan 2019Nov 2021 · 2 yrs 10 mos · London, England, United Kingdom · Remote

  • StudentFinance is an educational technology company focused on helping partner schools and universities financing students’ education through Income-Share-Agreements (“ISA”) to help increase educational opportunity and empower people to access high-impact careers.
  • As the Co-Founder and CTO of the company, I was:
  • Owner of recruiting and managing across Engineering, Design and Product in a fully remote team.
  • Champion of setting up a fully remote team culture since 2019 (before the pandemic).
  • Responsible for setting the Engineering Culture, and maintaining high engineering standards.
  • Key stakeholder in defining the Product and Technology Roadmap to fulfil the company's goals.
  • Key stakeholder in selecting and managing top Fintech providers, such as Bank Aggregation, KYC/AML, etc.
  • Key contributor in setting up OKRs, and distilling them in roadmaps and delivery plans.
  • Lead technology compliance and investor due diligence.
  • Managed a fully remote team of 15 people, based in 8 different countries.
Technology ConsultingVenture CapitalStart-upsSoftware Architecture

Deepcode (the software revolution) by snyk.io

Fractional Technical Product Manager

Oct 2018Oct 2019 · 1 yr · Zurich, Switzerland

  • Automated code reviews startup (acquired by Snyk). I led the productisation of this cutting edge AI algorithm into a SaaS product, acting as a liaison between the business stakeholders and the AI team. I actively collected user feedback, distilled it into roadmap deliverables, managed the team around those deliveries and led data-driven retrospectives.
FinTechTechnology ConsultingMentoringSoftware ArchitectureSoftware Development

Shiptimize

Tech Advisor

Sep 2018Present · 7 yrs 6 mos · Amsterdam, North Holland, Netherlands · Remote

  • Shiptimize is the technology partner that helps scale global Ecommerce business through connectivity between online stores and carrier companies.
  • Our international client base is composed of:
  • Online stores and Fulfilment Centres using our Ecommerce and Carrier Connectivity solutions
  • Courier, Express and Parcel companies using our White-Label Ecommerce Connectivity solutions.
Start-up ConsultingTechnology ConsultingSoftware as a Service (SaaS)E-commerceStart-upsTechnical Recruiting

510.ventures

Fractional CTO

Sep 2018Jan 2019 · 4 mos · Amsterdam Area · Remote

  • Blockchain venture studio. Helped define the requirements for the engineering team. Lead the process of sourcing, interviewing, hiring and onboarding a team of 10 engineers.
FinTechTechnology ConsultingNode.jsProduct ManagementReact.jsJavaScript+1

Timeless investments

Fractional Blockchain Lead

May 2018Sep 2018 · 4 mos · Berlin, Germany · Remote

  • NFT marketplace for collectibles. Worked with the Porsche Innovation Lab to spin off this blockchain startup. Lead the definition of the token economics and the implementation of the smart contracts for the first version of the product.
Technical Writing

Alerta emprego

Fractional CTO

Apr 2018Sep 2018 · 5 mos · Lisbon, Portugal

  • HR Tech startup. Helped them improve engineering processes, hire key senior engineers, and deliver key milestones.
BlockchainSoftware ArchitectureJavaScriptSoliditySoftware Development

Tech hq

Co-Founder & CTO

Mar 2018Jun 2020 · 2 yrs 3 mos · London Area, United Kingdom · Remote

  • TechHQ is a dynamic solutions lab purposefully built for Innovation & Technology. We are a motley crew of tech builders, merging left-brain business savvy with right-brain intuition. We live in the future and research the most promising trends, insights and ideas, so we can start building tomorrow’s world today. TechHQ provides independent and innovative technology focused consultancy. We collaborate with innovators worldwide to define and develop disruptive technology solutions across the major industries and geographies.
  • As the Founder and CTO of the company, I was:
  • Owner of the company vision and focus, mostly around Blockchain and Decentralised Finance (DeFi).
  • Owner of external communication, delivering keynote speeches in some of the largest tech fairs in Europe.
  • Owner of all recruiting and staffing activity, finding the best talent and attracting them to the company.
  • Key stakeholder in the sales process, meeting with clients (Founders, CTOs, Innovation Directors and other Tech and Innovation Leaders), harvesting requirements and making decisions on project pricing.
  • Key stakeholder in crafting the product proposition, architecting the technology approach, and managing delivery.
  • Managed a team of up to 20+ people spread across Middle East, Europe, Africa and Latin America, working on up to 3 projects in parallel.
  • Part of the delivery team on some projects, mostly writing smart contracts on the Ethereum network.
FinTechAmazon Web Services (AWS)EntrepreneurshipTypeScriptNode.jsTeam Leadership+12

Sergiopereira.io

2 roles

Author, Instructor & Public Speaker

Jan 2018Present · 8 yrs 2 mos

  • I have an audience of 100k+ people across Twitter, Linkedin and Medium. I'm frequently invited to speak at public and private events, in topics like:
  • Software Development
  • Remote Work
  • Tech Startups
  • Some notorious Tech Summits I've spoke at over the last few years include:
  • WebSummit, in Portugal
  • London Blockchain Week, in the UK
  • The Next Web Conference, in the Netherlands
  • TNW Hard Fork, in the UK
  • Infoshare, in Poland
  • DevTalks, in Romania
  • Blockchain Solutions World, in Spain
  • I’ve also delivered workshops, webinars, guest articles and other private formats for enterprise clients and media outlets. Some notorious companies I worked with in this capacity include:
  • O'Reilly Media
  • Linkedin Learning
  • Bank of America
  • BMW
  • Travelers Insurance
  • Globalization Partners
  • Pragmatic Engineer
  • Email me at speaker@sergiopereira.io for inquiries.

Fractional CTO & Tech Advisor

Jan 2017Present · 9 yrs 2 mos

  • As a Fractional CTO and Tech Advisor, I've worked with exciting companies across industries and geographies. I have had clients worldwide, ranging from early stage startups to $50B+ global corporations.
  • The typical use cases I help with are:
  • Help Startups build MVPs and find product-market-fit
  • Help non-technical Founders hire Software Engineering teams
  • Work as interim CTO during leadership transition phases
  • Lead new "startup-like" innovation units inside larger enterprises
  • Make software development processes remote-friendly
  • Mentor and advise young tech leaders at Startups
  • My typical client company:
  • Is an early stage tech startup
  • Raised Seed / Series A funding (or bootstrapped to product-market-fit)
  • Doesn't have an experienced CTO in the team
  • Successful startups I worked with include:
  • StudentFinance
  • DeepCode
  • Candidly
  • Giggle Finance
  • BrightCheck
  • Shiptimize
  • Quinncia
  • Besides the startups, I've worked with some well known enterprise clients, such as:
  • Bank of America
  • Porsche
  • BMW
  • Travelers Insurance
  • Roche
  • European Commission
  • Email me at cto@sergiopereira.io for inquiries.
Start-upsSoftware DevelopmentEntrepreneurshipStrategyTeam LeadershipTechnical Recruiting+44

The cycles book

Co Author

Jan 2018Jan 2019 · 1 yr

  • I was one of 24 co-authors of this book on Entrepreneurship and Innovation. I co-wrote the chapter B ("Build"). Although the book was published only in November 2021, most of the work and actual writing was conducted during 2018 and 2019.
BlockchainTeam LeadershipJavaScriptTechnical RecruitingSolidity

Candidly

CTO

Oct 2016Apr 2018 · 1 yr 6 mos · Greater Boston · Remote

  • Student debt repayment made easy for the enterprise: Introducing a new category of employee benefit in the form of student debt repayment, Candidly (formerly FutureFuel) empowers organizations of all sizes to attract and retain scarce talent while enabling students and growing professionals to crush their debt at an accelerated pace. FutureFuel.io offers an enterprise SaaS solution via its student debt repayment rails (SDRR), enabling employers to effortlessly scale this benefit throughout the organization.
  • As the CTO of the company, I was:
  • Owner of the Tech Roadmap and its coordination with Product Vision and Sales Milestones,
  • Owner of the Tech Recruiting, Team Leading, Culture Building and Evangelization,
  • Key stakeholder in the Sales<>Product feedback loop,
  • Key decision maker in the Build vs Buy vs Outsource dilemma,
  • Key individual in the coordination of Outsourcing resources with InHouse teams
  • Managed teams spread across 3 continents, in 4 time zones (West Coast US, East Coast US, Portugal, India)

European commission

Technology & Innovation Expert

Jan 2016Jan 2022 · 6 yrs · Brussels Metropolitan Area · Remote

  • Independent expert appointed by the European Commission to assist with research and innovation assignments including the evaluation of proposals, monitoring of projects, evaluation of programmes, and design of policy.
  • The scope of work is the Horizon 2020 and the Multiannual Financial Framework 2021-2027 programmes, which cover activities related to science, technology, innovation, social sciences, ethics, communication, project management and more.
Amazon Web Services (AWS)PHPTeam LeadershipE-commerceProduct ManagementStart-ups+4

Clickly

Co-Founder and CTO/CPO

Aug 2014Oct 2016 · 2 yrs 2 mos · The Randstad, Netherlands

  • Clickly is the first in-text content discovery platform that allows online audiences to discover relevant content in an interactive native format that seamlessly blends into the content they are engaging with.
  • As the Tech & Product Founder, my main responsibilities have been:
  • Building the Product and grooming the Roadmap,
  • Technology Recruiting, Team Leading, Culture Building and Evangelization,
  • Key stakeholder in the Sales<>Product feedback loop,
  • Help defining Sales Processes and Managed Services Guidelines,
  • Training new Sales People on product and demos,
  • Coordination of Teams in 4 countries, serving B2B clients in 9 countries,
  • IP strategy and Patent Filling,
  • Tech, Product and Operations Due Dilligence,
  • Business Development and ongoing Client Support.
Amazon Web Services (AWS)Team LeadershipC Level ManagementProduct ManagementStrategyReact.js+4

Goalstat

Founder and CEO

Jan 2014Oct 2014 · 9 mos · Lisboa, Lisbon, Portugal

  • Goalstat is a SaaS performance-driven productivity technology for sports managers. As the solo Founder, my responsibilities were:
  • Build the first version of the Product from scratch: mobile app, web platform and backend services,
  • Develop business, both going to clubs directly as well as sourcing online on relevant social media groups and forums,
  • Own the whole product roadmap and build a small team to get further product iterations shipped.
  • Support 80+ paying customers.
Amazon Web Services (AWS)PHPC Level ManagementE-commerceTechnology ManagementStart-ups+7

Accenture

Senior Software Engineer

Jan 2011Feb 2014 · 3 yrs 1 mo · Lisboa, Lisbon, Portugal

  • I worked in projects across industries as diverse as:
  • Retail,
  • E-commerce,
  • Media,
  • Logistics,
  • Road Tolling.
  • I helped build awesome technologies across such areas as:
  • Computer Vision,
  • Machine Learning,
  • Big Data,
  • Real-time end-to-end billing systems,
  • CRMs,
  • Continuous Integration and Disaster Recovery.
  • My responsibilities during these 3 years ranged across:
  • SW Lifecycle: Architecture. Development. Process Design. Maintenance. Improvement.
  • Team Leader: Newjoiners Onboarding. Offshore Team syncing across different countries, time-zones and roles. Onsite team leading.
  • Client Relationship: Functional data collection, Rollout strategies and expectations management.
  • Enterprise Sales: Detect client's needs and frame possible upselling opportunities.​
Early Stage CompaniesAmazon Web Services (AWS)Software as a Service (SaaS)StrategyStart-upsSoftware Architecture+2

Self-employed

2 roles

Day Trader

Jan 2008Jan 2010 · 2 yrs

  • Started day trading for fun and for money while in college. I earned an interesting amount of money trading manually, but after learning some cool stuff about Artificial Intelligence and Machine Learning I built a bot to implement my trading strategies on Betfair and Forex markets, with self-improving pattern recognition capabilities.
Technology ConsultingSoftware ArchitectureJavaEnterprise Technology SalesSoftware Development

Programming Teacher

Jan 2006Jan 2009 · 3 yrs

  • While in college I established my own local business to teach programming languages to younger students who were struggling to achieve their academic goals. Helped a total of 80 students during 4 years.

Education

Universidade Nova de Lisboa

M.Sc. — Computer Science

University of Cambridge

Advanced Certificate — Global Business

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