Direct Credit - Chief Technology Officer - Fintech Platform

Job Description :

- Product & Platform Engineering Lead end-to-end development of lending platforms across web and mobile.

- Own system architecture, release cycles, and engineering velocity.

- Build for scale, reliability, and speed in high-volume loan processing environments.

Digital Lending & Integrations :

- Design and manage integrations with NBFCs, banks, credit bureaus (CIBIL, Experian), KYC providers, and payment systems.

- Build a robust API-first ecosystem to enable seamless loan journeys.

CRM & Workflow Automation :

- Own the architecture of CRM systems powering sales and credit teams.

- Implement lead allocation, tracking, and end-to-end loan lifecycle visibility.

- Optimize workflows for higher conversion and faster TAT.

Cloud Infrastructure & Scalability :

- Own cloud architecture (AWS/Azure/GCP), CI/CD pipelines, uptime, and infrastructure efficiency.

- Build systems designed for high scalability, low latency, and reliability.

Data, Analytics & Decisioning :

- Develop data infrastructure for dashboards, performance tracking, and credit decisioning.

- Enable real-time insights for business, underwriting, and operations.

Security & Compliance :

- Ensure adherence to RBI guidelines, data protection laws, and fintech compliance standards.

- Build secure systems with strong data privacy and risk controls.

Engineering Organization :

- Hire, lead, and scale a high-performing engineering team.

- Define technical standards, development practices, and a strong execution culture.

Business & GTM Alignment :

- Partner with business, product, and sales teams to align technology with growth.

- Support enterprise partnerships, integrations, and customer-facing technical discussions.

What Were Looking For :

- 12 - 15+ years in software engineering; 35+ years in a leadership role

- Strong experience in fintech / digital lending / NBFC / banking platforms

- Proven track record of building and scaling high-performance systems

- Experience with API-driven ecosystems and third-party integrations

- Hands-on with cloud infrastructure and modern backend architectures

- Strong understanding of lending workflows (Personal Loan, MSME, LAP, etc.)

- Experience managing and scaling engineering teams

- Ability to balance speed, scalability, and compliance in a regulated environment

- Comfortable working closely with founders and driving strategic decisions