About Fatma
Hands-on interim leader with 15+ years across fintech, banking, and entrepreneurship. I step into complex or scaling environments to bring structure, align product and finance, and drive execution. Unique blend of CFO leadership, product ownership, and founder experience, enabling fast diagnosis of issues and pragmatic delivery of scalable solutions. Proven track record in launching products, optimizing operations, and supporting growth phases (incl. fundraising and transformation).
English
Native or bilingual
French
Native or bilingual
German
Conversational
Spanish
Conversational
Can work on-site
Zurich (up to 50km), Lausanne (up to 50km)
Experience
- Circle ToysFounder / CEOE-COMMERCEOctober 2022 - Today (3 years and 9 months)Zurich, Switzerland
- Built and operated e-commerce business end-to-end
- Owned product, pricing, supplier management and customer experience
- Led marketing and growth initiatives (acquisition, partnerships, campaigns, content)
- Reduced operational workload by 70% through AI-based automation
- Drove continuous improvement through data-driven decisions
- Switzerlend AG (Lend.ch)CFO & Product developmentBANKING AND INSURANCEOctober 2017 - October 2022 (5 years)Zurich, Switzerland
- Closed two funding rounds (CHF 7M), leading investor materials and financial models.
- Built financial, HR, and governance foundations to support scale.
- Established KPI, forecasting and financial frameworks to support scaling
- Led conception and launch of a new SME loan product from business case, to MVP and rollout.
- Cembra Money BankB2C Digital Solutions LeaderBANKING AND INSURANCEJuly 2016 - October 2017 (1 year and 3 months)Zurich, Switzerland
- Led digital product strategy for core B2C platforms (web, mobile, payments).
- Team manager responsible for Content Management, User Experience and Digital Innovation.
- Led the new mobile application Design and User Experience testing for implementation
- Managed cross-functional teams (UX, content, delivery).
- Owned digital roadmap, budget, and website relaunch.
- Drove customer-centric digital innovation through data, usability testing, and experimentation.
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Education
- Master in International BusinessMacquarie University2007Master in International Business
- Bachelor in European BusinessOxford Brookes University2006Bachelor in European Business