Summary
Fernando San Martin is a product-driven fintech and B2B SaaS leader with 10 years of experience spanning data science, engineering, and founding roles in multiple YC startups. He has built core banking integrations, customer-facing APIs, and credit-underwriting models, and has scaled data infrastructure at high-growth companies including Nexmo, Turo, and Capital One. As a two-time Y Combinator founder and former CTO, he blends hands-on technical execution with product strategy, now driving product at Altruist in San Francisco. His background in physics and electrical engineering informs a quantitative approach to risk and product decisions, and he often bridges ML-driven credit models with production-grade APIs. Notably, he routinely moves between early-stage bootstrapping and scaling engineering teams, making him equally comfortable writing infra and shaping go-to-market product priorities.
10 years of coding experience
9 years of employment as a software developer
Bachelor of Science (B.Sc.), Physics, Bachelor of Science (B.Sc.), Physics at Universidad de Granada
Master of Science (M.Sc.), Electrical and Electronics Engineering, Master of Science (M.Sc.), Electrical and Electronics Engineering at EPFL (École polytechnique fédérale de Lausanne)
Spanish, English, French, Portuguese