Financial Services
Professional Services
Technology, Information and Media
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Benjamin Cotte

Fractional CPO & Innovation Leader | 10+ Years Scaling Ventures, SaaS & Fintech Products

Jurisdiction

Spain | France

Notable Employer

  • CPO in Residence at Stellar
  • Venture Architect at Banco Sabadell

Experience

Seniority LevelExecutive
Years of Experience10-15 years
Current StatusActive
CPO in ResidenceNotable
2024 - Present

Collective of 30 Chief Product Officers supporting scale-ups and corporates in accelerating product and innovation impact. Lead product and innovation advisory for high-growth clients (BPI France, Smeetz, Genesy AI, Allshare, etc.). Designed “Rapid Product Audit” and “Growth Sprint” frameworks enabling 4× faster delivery cycles and 20% higher adoption. Mentor VPs and Heads of Product on organizational design, discovery methods, and data-driven decision making. Built partnerships to expand Stellar’s presence in the Spanish market and the broader EU startup ecosystem.

VP of Product
2023 - 2025

B2B risk-management and compliance platform. Drove transformation of product and innovation strategy, doubling ARR in 12 months. Scaled the organization from 2 to 13 people and implemented a squad-based structure improving delivery velocity 5×. Introduced analytics stack (Power BI, Metabase) to embed data in all decision processes. Delivered a scalable multi-market platform rolled out across 5+ countries.

Associate & Head of Incubation
2022 - 2023

European VC & pre-seed fund. Designed and led incubation programs for 60+ founders across 3 cohorts. Supported fintech and mobility ventures on MVP definition, GTM strategy, and fundraising readiness. Built training programs to institutionalize lean experimentation and investor-readiness methodologies.

Head of Product
2019 - 2021

Embedded banking & compliance infrastructure provider (EMI licensed). Built and led a 10-person cross-functional team across PM, UX, BI, and operations. Scaled platform transaction volume from €200M to €1B+ through new financial APIs (KYC, PSD2, payments). Delivered cross-market architecture and compliance execution across Spain and LatAm. Championed product–compliance collaboration, accelerating regulatory approvals and market rollout.

Venture ArchitectNotable
2017 - 2019

Corporate Venture Builder. Co-founded and launched digital ventures including Nomo (SMB banking, acquired), Trioteca (mortgage marketplace), and Mitto (youth banking app). Defined business models, MVPs, and GTM strategies bridging agile startup practices and corporate governance. Enabled Sabadell to institutionalize an internal innovation model combining startup incubation and investment.

Co-Founder & COO
2014 - 2018

Edtech and Agile development Startups. Launched Pistache (500K+ downloads); raised €323K, exited successfully Built 12MVP, an MVP-as-a-service agency; raised €500K+ and delivered 20+ startup MVPs Led product and market strategy for edtech and family-focused apps

Education

Degree of Business AdministrationHEC Montréal
2009 - 2013
Masters of FinancesESADE
2013 - 2014

Skills

Core skills0
Languages3

Languages

English
French
Spanish