Teemu "Timmy" Karuluoto
CEO & Co-founder
As a seasoned entrepreneur, I know firsthand how frustrating financial management can be for small business owners. We founded NOCFO to make their lives easier with smarter, more efficient financial tools. I'm constantly coming up with new ideas — sometimes out of necessity, sometimes simply out of passion for making things better. Wannabe football pro and AI evangelist.
Teemu "Teme" Mankinen
COO & Co-founder
An “Operations Officer” who tends to get involved in just about everything and often unintentionally. I make sure things move forward and get done on time, always keeping customer satisfaction in mind. I'm a third-generation entrepreneur who gets excited about structure, regular exercise, and the occasional session with a robot vacuum.
Juho Enala
CTO & Co-founder
I develop the core tech at NOCFO, including accounting automation and AI that makes our users' lives easier. I'm into elegant systems, efficient programming, and solving practical challenges. Still proud of my days as a tractor train driver.
Vili Raunola
Tech / Full-stack developer
I build everything from sleek front-end interfaces to solid back-end systems. I like to keep things simple and clean, because I believe simplicity is the ultimate sophistication. When I'm not coding, you'll probably find me playing video games or experimenting with new recipes in the kitchen.
Joonas Aaltonen
Tech / Mobile developer
I'm crafting the mobile app to make finance tools simple, smart, and actually enjoyable to use. I love testing out new technologies and turning ideas into smooth mobile experiences. Off-hours? I'm probably smashing padel balls somewhere – yes, all seven days of the week.
Md. Al-Naim
AI / Full-stack developer
I design and build the AI agents that give NoCFO its intelligence, bridging the gap between cutting-edge algorithms and practical financial tools. My goal is to turn experimental tech into robust features that effortlessly drive value for our users. When I'm not teaching our systems how to think, I'm writing more code for my own side projects… I just can't stay away!
Badrudduza Ahmed Fahim
AI / Full-stack developer
I build systems and AI features that turn complex financial workflows into simple, practical tools. I enjoy solving technical problems and experimenting with AI to make everyday business tasks smarter and faster. Outside of coding, I like walking in Finnish nature, watching movies, or getting lost in a good video game.
Tomas Varila
Sales & Business Development
I help businesses find better ways to manage their finances. My work combines sales, customer insight, and building new opportunities. I strive to simplify complex matters and find solutions that genuinely make life easier for entrepreneurs. In my free time, I enjoy sports, especially tennis and golf.
Want to join our team?
A position we need
Want to join our team now or in the future? Let us know, and we'll keep you up to date on openings!
