Chief Technology Officer (CTO) Digital Lending / NBFC

Role Overview

We are looking for an experienced CTO to lead technology strategy, architecture, engineering, and digital lending platforms for a fast-growing NBFC focused on unsecured/short-term consumer lending.

Mandatory Experience:-

- 15–20 years of overall technology experience.
- CTO / VP Engineering / Head of Technology / Engineering Head-level leadership experience.
- Mandatory experience in an NBFC, fintech lender, or digital lending organisation.
- Solid hands-on exposure to unsecured consumer lending, personal loans, short-term/payday lending.
- End-to-end understanding of the digital lending lifecycle.
- Experience scaling high-volume customer-facing financial platforms and large engineering teams.
- Strong expertise in cloud, APIs, microservices, DevOps, distributed systems, and modern engineering practices.
- Willingness to work from Gurugram office, 5 days a week.

Key Responsibilities:-

- Define and execute technology strategy aligned with business and lending goals.
- Lead the complete digital lending technology ecosystem, including eKYC, credit bureau integrations, underwriting, LOS, LMS, disbursement, payments, collections, servicing, fraud and partner APIs.
- Own application, data, integration, cloud and infrastructure architecture.
- Drive microservices, API-led and event-driven architectures, scalability, high availability, DR and observability.
- Build and lead engineering, architecture, DevOps, infrastructure and data teams.
- Establish engineering KPIs, delivery standards, security and technology governance.
- Ensure compliance with RBI, digital lending,



cybersecurity, data governance and information-security requirements.
- Strengthen data, risk, fraud, analytics and decisioning capabilities.
- Manage technology vendors, budgets, partnerships and build-vs-buy decisions.
- Partner closely with the CEO, Board, Risk, Credit, Compliance and Business teams.

Required Technical Exposure:- Strong understanding of several of the following:

- Java / Python / Golang
- Microservices & REST APIs
- Kafka / Event-driven architecture
- SQL & NoSQL databases
- AWS / Azure / GCP
- Kubernetes & Containers
- CI/CD & DevOps
- Infrastructure as Code
- Distributed systems & high-volume transaction processing
- Data platforms, AI/ML, security and observability

Preferred
- Digital-first NBFC / fintech lending experience.
- Real-time underwriting and decisioning engines.
- Fraud and risk analytics.
- Large-scale payment integrations.
- Cloud migration / platform modernisation.
- Data/ML-driven lending or collections solutions.

Critical Screening Criteria :- Candidates must have all of the following:

1. 15–20 years of technology experience.
2. CTO / VP Engineering / Head of Technology-level experience.
3. NBFC / digital lending experience.
4. Unsecured / personal / short-term lending exposure.
5. End-to-end digital lending technology knowledge.
6. Strong architecture and engineering leadership.
7. Experience scaling platforms and technology teams.
8. Willingness to work 5 days a week from Gurugram.

Candidates from generic IT services, payments, insurance, wealth-tech or SaaS without substantial unsecured lending experience should not be considered.

📌 Chief Technology Officer- Digital Lending/NBFC (Gurugram)
🏢 Bridgexcel
📍 Gurugram