Reports to : Chief Executive Officer (CEO) 1. Purpose of the Role To provide strategic leadership and oversight for all technology, innovation, and digital transformation initiatives within the FinTech organization. The CTO drives the development, implementation, governance, and optimization of technology solutions that support business growth, compliance, operational efficiency, and competitive advantage. 3. Key Responsibilities A. Strategic Technology Leadership Develop and execute the company’s technology strategy aligned with business goals. Lead digital transformation to improve customer experience, operational performance, and scalability. Advise the board and executive team on emerging technologies, trends, and innovations in FinTech. B. Technology Development & Operations Oversee design, development, deployment, and maintenance of core FinTech products (e.g., payment systems, mobile money platforms, digital lending, wallets). Ensure high system availability, performance, security, and scalability. Lead software engineering, devOps, cybersecurity, data analytics, and IT support teams. Champion use of modern architectures (APIs, microservices, cloud platforms, AI/ML). C. Business & Product Alignment Work closely with business units to translate business needs into effective technical solutions. Participate in product roadmap planning, customer research, and user experience design. Drive innovation for new revenue streams, partnerships, and digital products. D. Regulatory & Compliance Oversight Ensure full compliance with industry regulations (e.g., central bank directives, data protection laws, AML/KYC standards). Liaise with regulators and certification bodies (e.g., PCI-DSS, ISO 27001). Implement risk management frameworks, secure coding practices, and data privacy controls. E. Governance & Risk Management Establish IT governance frameworks, policies, and standard operating procedures. Lead enterprise architecture, disaster recovery planning, and business continuity strategy. Oversee technology audits, compliance checks, and cybersecurity assessments. F. Leadership & People Management Build and mentor high-performing technology teams. Drive a culture of innovation, agility, accountability, and continuous learning. Manage recruitment, skills development, and performance of technical staff. G. Stakeholder Engagement & Partnerships Work with external partners (banks, telecoms, payment processors, regulators, vendors). Negotiate technology contracts, licensing agreements, and vendor SLAs. Represent the company in industry forums and innovation networks. 4. Required Qualifications Academic Master’s degree in Computer Science, Information Technology, Engineering, or related field. Additional qualifications in Business Administration, Digital Transformation, or Innovation Management are an added advantage. Professional Certifications (Preferred) CISSP, CISM, CISA, CEH, ISO 27001 Lead Implementer. (Preferred) AWS/Azure Cloud Certifications. (Optional) PMP, PRINCE2, Scrum Master/Agile Certifications. 5. Required Experience Minimum 3–10 years in ICT/technology roles, with at least 3 years in senior leadership. Proven experience in the FinTech, banking, payments, or digital financial services sectors. Track record in designing and scaling large financial or payment systems. Experience in innovation management and launching new digital products. Strong background in IT governance, cybersecurity, and regulatory compliance. 6. Key Competencies A. Technical Competencies Software architecture and engineering leadership. Core FinTech technologies (payments, APIs, digital wallets, mobile money). Cloud infrastructure management (AWS, Azure, GCP). Cybersecurity and data protection frameworks. AI/ML, data analytics, automation. B. Business Competencies Strategic planning and business acumen. Understanding of financial services operations. Product development and lifecycle management. Budgeting, financial planning, and cost optimization. C. Regulatory Competencies Deep understanding of FinTech regulation, licensing, compliance, AML/KYC. Experience working with regulators and audit bodies. Knowledge of data privacy (GDPR, local data protection laws). D. Governance Competencies IT governance frameworks (COBIT, ITIL). Risk management, vendor management, and compliance oversight. Strong documentation, policy development, and reporting skills. E. Innovation Competencies Ability to identify, evaluate, and implement emerging technologies. Design thinking, agile methodologies, prototyping. Experience leading hackathons, innovation labs, or R&D units. F. Leadership & Interpersonal Competencies Excellent communication and stakeholder management skills. Visionary leadership with the ability to motivate diverse teams. High integrity, decision-making, and problem-solving skills. Negotiation, conflict resolution, and change management. 7. Key Performance Indicators (KPIs) System uptime, security incidents, and IT service quality. Deli
