Chief Technology Officer - Digital Lending

Role Overview:

Define and execute the company's long-term technology roadmap and align technology strategy with business, lending and growth objectives.

Advise CEO/MD and senior management on technology investments and emerging technologies. Drive technology modernization and digital transformation.

Key Responsibilities:

- Lead technology for LOS, LMS, Collections, CRM, ERP and digital lending platforms.

- Build scalable customer onboarding and digital loan journeys.

- Manage integrations with KYC providers, credit bureaus, GSTN, banks, payment gateways and other financial APIs.

- Improve automation across loan origination, underwriting, disbursement, repayment and collections.

Architecture & Infrastructure:

- Design scalable enterprise and application architecture.

- Lead cloud strategy across AWS / Azure / GCP.

- Ensure high availability, scalability, performance and business continuity.

- Establish DevOps, CI/CD, API and microservices best practices.

Cybersecurity, Risk & Compliance:

- Ensure technology systems comply with applicable RBI IT, cybersecurity, data protection and regulatory requirements.

- Strengthen information-security controls, monitoring and audit mechanisms.

- Work closely with CISO, Risk, Compliance and Internal Audit.

- Establish effective DR, BCP and incident-response frameworks.

Data, AI & Analytics:

- Drive adoption of AI/ML, advanced analytics and automation.

- Enable data-driven credit decisioning, fraud detection and customer risk assessment.

- Build robust data platforms, dashboards and MIS systems.

Team & Vendor Management:

- Build and lead a high-performing technology organization.

- Manage engineering, infrastructure, product technology, data and IT operations teams.

- Manage technology vendors, system integrators and strategic partners.

- Define SLAs, KPIs and technology governance mechanisms.

Technology Governance & Budget:

- Own the technology budget and optimize technology expenditure.

- Establish IT governance, SDLC, project management and technology-risk frameworks.

- Ensure timely delivery of critical technology projects.

- Present technology strategy, risks and performance to senior management/Board.