Chief Technology Officer (Fintech)

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)