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.
11 years of coding experience