CTO - Egypt

Location:Egypt

Who AreWe?

M2P Fintechis a leading Banking Technology Platform, shaping the future of digitalfinance. Established in 2014 and headquartered in Chennai, we have a strongfootprint across 30+ countries in the Asia-Pacific, Middle East & Africa(MEA), and Oceania regions.

At theforefront of next-gen fintech, we drive innovation in banking, lending, andpayments infrastructure. Powering global fintech transactions, ourcomprehensive technology stack enables seamless banking solutions, lendingplatforms, Buy Now Pay Later (BNPL) services, customized credit cards, prepaidcards, and more.

About the Role

This role will lead our product and engineering teams todeliver best-in-class digital payments and lending solutions in theMiddle East & Africa (MEA), you will be responsible for driving productinnovation, ensuring regulatory compliance, and overseeing the development ofscalable, secure, and reliable technology. You will play a pivotal role inshaping the customer experience, expanding our financial ecosystem, andenabling long-term growth through product-led and technology-driven strategies.

What Will You Do in This Role

Product Leadership – Payments & Lending

• Define and execute a unified product vision and roadmap for digital payments, credit, and lending solutions.
• Lead product strategy that enhances user trust, accelerates time to funds, and maximizes credit accessibility.
• Identify opportunities to innovate in transaction processing, alternative underwriting models, credit scoring, and embedded finance.
• Partner with risk, compliance, and legal teams to embed regulatory standards (KYC, AML, PCI DSS, fair lending, etc.) into the product lifecycle.
• Ensure seamless user experiences across web and mobile platforms, optimized for performance, transparency, and ease of use.

Technology Strategy & Execution

• Architect and scale a secure platform to support high-volume transactions, credit decisioning, and loan servicing
• Lead the adoption of modern, scalable technologies, including cloud infrastructure, API-driven microservices, and real-time data pipelines.
• Oversee core system integrations with banking partners, payment processors, credit bureaus, fraud prevention tools, and data providers.
• Build and maintain resilient cybersecurity protocols and robust infrastructure that comply with industry standards and regulatory requirements.

Leadership & Organizational Development

• Lead, grow, and mentor high-performing teams across product, engineering, data science, and IT operations.
• Cultivate a culture of innovation, accountability, and cross-functional collaboration.
• Align product and technology goals with business KPIs, OKRs, and customer impact metrics.

External Engagement & Partnerships

• Represent the company with key stakeholders including regulators, investors, banking partners, and strategic vendors.
• Evaluate and manage strategic technology partnerships, fintech collaborations, and platform expansions.

What You’ll Need to be Successful in this Role

• 18+ years of experience in product and technology leadership roles, including at least 5 years in fintech, specifically in digital payments and/or lending.
• A deep understanding of the payments ecosystem (e.g., card networks, ACH, RTP, digital wallets) and the lending lifecycle (e.g., LOS, LMS, underwriting, servicing, collections).
• Proven experience scaling consumer or SMB financial products within regulated environments.
• Demonstrated success in building secure, compliant, and user-centric fintech platforms.
• Technical expertise in scalable architectures, cloud-native applications, APIs, and data analytics.
• Strong leadership, strategic thinking, and stakeholder management skills.