Role Summary
The CTO will lead the company's technology vision, strategy, and execution, ensuring scalable, secure, and high-performing platforms to support rapid growth in the fintech space. The role requires deep expertise in financial technologies, digital lending/payment systems, and regulatory-compliant architectures, with a strong focus on automation, speed-to-market, and customer experience.
Key Responsibilities
- Define and execute the overall technology strategy aligned with business goals and growth plans
- Lead the development of scalable, secure, and high-availability fintech platforms (e.g., lending, payments, wallets)
- Oversee end-to-end architecture, including cloud infrastructure, APIs, and microservices
- Ensure full compliance with regulatory requirements (e.g., SAMA, PCI-DSS, data privacy)
- Drive automation and system optimization, enabling fast onboarding and near real-time transaction processing
- Lead and scale high-performing engineering, data, and IT teams
- Manage relationships with technology vendors, partners, and regulators
- Implement best practices in cybersecurity, data protection, and risk management
- Collaborate with Product and Business teams to deliver customer-centric digital solutions
- Oversee technology budgeting, cost optimization, and ROI tracking
Key Requirements
- Bachelor's or Master's degree in Computer Science, Engineering, or related field
- 10–15+ years of experience in technology leadership roles, with a strong focus on fintech
- Proven experience in digital lending, payments, BNPL, or financial platforms
- Strong understanding of fintech regulations and compliance frameworks
- Hands-on experience with cloud platforms (AWS, Azure, or GCP) and modern architectures (microservices, APIs)
- Experience building highly automated platforms with minimal manual intervention
- Strong knowledge of data architecture, analytics, and AI-driven decisioning is a plus
- Demonstrated ability to scale systems and teams in fast-paced environments
Preferred Experience
- Experience in B2C fintech platforms, especially micro-lending or instant loan applications
- Background in delivering fast onboarding and disbursement journeys (e.g., loans within minutes)
